Group Benefits
What we offer.
➤ Life Insurance, Accidental Death & Dismemberment, Dependent Life, Optional Life
➤ Short Term Disability, Long Term Disability
➤ Extended Health and Dental
➤ Paramedical Practitioners
➤ Employee Assistance Program (EAP)
➤ Health Care Spending Account (HCSA)
➤ Health and Wellness
➤ Critical Illness
➤ Out of Country Coverage
➤ Administrative Services Only (ASO) and fully insured Retention Accounting plans.
How we work.
ONE
We represent and act on behalf of our clients to ensure that their benefit program is efficient, sustainable, and tailored to suit the specific needs of the organization.
TWO
We negotiate renewals, funding arrangements, and administrative and claims expenses with the insurance carrier on behalf of the employer.
THREE
Market surveys are conducted with our network of insurance carriers to offer benefit costs that are fair and competitive.
FOUR
We support employers through the transition and plan implementation with alternate insurance carriers when market results that we conducted indicate that a change in carriers will produce cost savings and enhanced plan design.
FIVE
Financial statements and claims experience reports are sent to clients on a monthly basis to provide an analysis on claims trending and utilization of the benefit plan to keep employers updated on plan performance. This ensures that employers are always aware of plan utilization prior to renewal.
SIX
Ongoing customer service and a variety of administrative support is provided to meet the needs of employers and plan members.
SEVEN
We support plan members with claims reimbursement and resolutions.
EIGHT
Updates are provided to employers advising of any legislative changes that have an impact on the plan design or administration of the plan.
NINE
Cost containment analysis of benefit plan design is performed to ensure the financial sustainability of the plan
TEN
Benchmarking data is provided to employers which analyzes trends and how the benefit plan compares to other employers within their industry
ELEVEN
Underwriting arrangements are available on a fully insured Retention Accounting and Administrative Services Only (ASO) basis.