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Employer News

Expert: CDHPs Can Succeed with Right Incentives
Feb. Webinar: Communicating with Benefit Plan Participants in the Digital Age
New Year Brings Extra W-2 Duty for Many
In Brief:
In Brief: DOL Delays Benefits Summary Rules

Employee Benefits

Services

Five Reasons We Have An Impact On Your…, Real Bottom Line!

1)We focus on what you need, instead of what you should pay. Cost is critical, but it’s impossible to evaluate risk management and employee benefit costs without a clear, thorough understanding of your business objectives and challenges. That’s why we won’t begin work on a proposal until we develop that understanding by listening to you and your employees.

2) Our evaluation is disciplined and broad-based. What we recommend isn’t our opinion or the best bid. It’s the product of a disciplined, structured analysis using state-of-the-art, proprietary tools and conducted by a team of professionals with proven experience and expertise.

3) We emphasize value over price. Because our approach is comprehensive, we’re better able to develop strategies that offer the greatest overall value, instead of “inexpensive” strategies that frustrate employees, create unnecessary risks, and back you into corners at renewal time.

 4)We eliminate the unknowns. We guide you through implementation and give you access to powerful technology resources that simplify administration. We continue to work with you, too – providing proactive guidance to ensure that details and deadlines aren’t missed, so you always have plenty of time and information to make decisions.

5) We target the biggest variable: your employees. Making sure your employees understand your benefits program, your workers compensation safety awareness program and how their own choices affect it. This is the key to keeping it cost-effective. That’s why we use proven education and communication strategies to ensure that employees appreciate the value of your investment and how healthier lifestyles and smarter choices pay off for them.

Products

LIFE & FINANCIAL SERVICES

  • Funding of Buy/Sell Agreements
  • Deferred Compensation Funding
  • Executive Bonus
  • Key Person Insurance
  • Estate Planning
  • Retirement Planning
  • Life Insurance Programming
    - Level Term Life
    - Whole Life
    - Universal Life
  • Annuities
  • Disability Income Protection

EMPLOYEE BENEFITS

  • Group Health Insurance
  • Dental
  • Long and Short-Term Disability Insurance
  • Vision
  • Group Life
  • Flexible Spending Accounts
  • Section 125 Cafeteria Plans
  • Self Funding
  • Voluntary Life, Dental, Disability
  • HMO's, PPO's, POS's, Indemnity Plans
  • Employee Benefit Statements
  • 401K Programs

Consumer Driven Health Plans

Simply Put…. a Consumer Driven Health Plan (CDHP) is an approach for providing healthcare benefits that combines a core contribution of funding by employers with increased choice and responsibility for employees and increased accountability for health plans and providers.

Typically, an employer makes it’s core contribution toward either a “Plan” or an “Account”, or both, and then gives employees choices as to how the money will be spent.

These plan designs or models include:

  • Defined Contribution Plans
  • Health Reimbursement Accounts (HRA’s)
  • Health Savings Accounts (H.S.A’s)

    Among others.