Employee Benefit Services

We provide businesses with employee benefit strategies that create a clear and competitive advantage in attracting and retaining the highest quality personnel. We work with small, mid-sized, and growing companies to maximize the overall value of their annual employee benefit expenditures.

We build and deploy employee benefit programs using a five-step approach - plan design, product procurement, implementation, communication and administration. Throughout each of these phases, we utilize detailed service schedules, interact continually with our clients and their employees, and keep our pulse on the marketplace.

We also enjoy long-standing relationships with all of the major health/life insurance carriers and leading vendors in the industry. These partnerships allow us to bring our clients competitively priced products and new ideas.

Benefit Plan Design & Consultation

Core, Voluntary & Key Executive Benefits
Existing Plan Evaluations
Cost vs. Value Analysis
Doctor & Hospital Network Mapping
Customized Programs
Plan Analysis & Actuarial Services
Alternative Funding Methods/Captives/Self-Insured Plans

Product Procurement

In-House Underwriting Capabilities
Electronic Submissions & Proposals
Core Products
Group Health, Life, Dental Vision, Disability, Long Term Care; 401(k) & Pension Programs; Flexible Benefits; Employee Assistance Programs
Voluntary Products
Supplemental Life, Disability, Dental, Vision & Indemnity Plans; Auto & Homewoners Programs; Long Term Care/Medicare Supplements
Key Executive Products
Selective Life and Disability Plans; Deferred Compensation/401(k) Wrap; Travel Acciden Plans; Critical Illness; Kidnap & Ransom; Specialized Accident;
Financial and Estate Planning Services

Implementation/Enrollment

Critical Document Conversions
On-Site Handling & Availablity
Quality Control Checkpoints
Professional Group Enrollment Meetings
Unbundled Approach Available
Benefit Booklets
Web-Based Communication Tools

Administration

Mid-Term Reviews
Pre-Renewal Consultation
Ongoing Communication Standards
Trouble-Shooting Liaisons
Personal Advocates for Complex Issues
Loss Ration Analysis
Executive Claims Summaries

Management Services

We help companies sharpen their competitive edge and increase profits by putting greater focus on employee-related issues.

We work with firms to develop attractive alternative employment options, such as Professional Employment Organizations (PEO's) and Administrative Service Organizations (ASO's). We also work with companies that have a need to outsource various functions related to human resources.

"We can put insurance to work for you."