Services

  • Group and Individual Medical Insurance
  • Group and Individual Life Insurance and Accidental Death Insurance
    • Term or Whole Life Insurance
    • Dental and Vision Insurance (Both Basic And Voluntary/Supplemental Plans)
  • Disability Insurance (Short- and Long-Term)
  • Section 125, Cafeteria Plans, and Voluntary Benefits
  • Flexible Spending Accounts (HRAs, HSAs, FSAs, and MSAs)
  • Long-Term Care
  • Group Wellness programs
  • ERISA Information
  • HIPAA / COBRA Compliance
  • Key Man and Buy / Sell Agreement
  • Annuities and IRAs
  • Pension and Retirement Savings Plans
    (i.e.: Simplified Employer Pension Plan, 401(k), or Private Pension Plans)
  • Executive Bonus / Executive Deferred Compensation
  • On-Line Human Resource / HR Benefit Administration / Payroll Administration
  • Professional Employee Organizations / Staff Leasing
  • We also provide the following property and casualty services through an affiliated agency:
    • Business Auto Policies
    • Business Overhead Income and Liability Insurance
    • Business Package Policies
    • Errors and Omissions Insurance
    • Workers Compensation

Our Value-Added Benefits

As your broker, we provide the following services and support to your company:

  • Research and analyze client’s groups benefits needs and physician networks.
    • Review current plans and level of satisfaction.
    • Determine key person’s objectives.
    • Collect census.
  • Survey the marketplace for appropriate plans and carriers.
    • Analyze the available carriers and plans.
    • Check that key person’s physicians are in proposed network.
  • Present plan alternatives that meet client’s benefits and budgetary needs.
    • Prepare presentation.
    • Explain plan differences.
  • Define eligibility
    • Explain the requirements for group coverage.
    • Acceptable waivers.
    • Participation requirements.
  • Prepare master application, supporting documents and employee enrollment.
    • Group Application which defines the terms of the plan.
    • Eligibility documents supplied by group and included with the application.
    • Employee enrollments completed by employees defining their status and named dependents.
  • Educate employees about the plan.
    • Install the plan upon acceptance by the carrier.
  • Support your employee benefits and HR needs.
    • Be available to respond to questions regarding the plan, claims and eligibility.
    • Keep clients ahead of the curve by notifying them of changes in laws-issues that will directly impact their businesses.
    • Provide customer support throughout the plan year such as enrollment changes, claims and insurance I.D. cards.
    • Provide support when COBRA issues come up or mini-COBRA needs for less than 20 employees.
  • Help with open enrollment issues.
    • Provide support at open enrollment time with explaining choices and assisting enrollment.
  • Provide documentation such as SPDs when needed.
    • Arrange to provide the documents at inception and for changes in the plan.
  • Facilitate renewal and eligibility verification.
    • Provide explanation of renewal.
    • Design plan alternatives in line with budget and priorities.