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.