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Employee Benefits

Comprehensive Benefits are a huge part of an employee’s total compensation package. It is very important for employees to understand their coverage and appreciate the employer. Often times it’s a challenge unless you have the right tools to effectively communicate the complexity of benefits programs.

  • Open enrollment and new hire orientation
  • Benefit plan evaluation and design to maintain consistency and expectations
  • Affordable cost strategies that reaches objectives
  • Employee benefit summaries and handbooks
  • Account management and claims
  • Online benefits portal
  • Benchmarking data to help compare costs and effectiveness of programs
  • Mid-year review
  • Personalized service, response to requests within 4 hours.

Initial Program Design and Reviews

In this tough economic times, it is very important to design a benefits package that is win-win for both employees and employer. Our experience team of benefits consultant will work with you to achieve your goals.

Some of the key ways we accomplish this are:

  • Detailed fact finding
  • In-depth discussion of our clients’ goals and objectives.
  • Numerous Market Analysis and Design Meetings
  • Plan designs that focus on long-term cost effectiveness.
  • Programs that take care of the employees locally and nationwide.
  • Post Implementation Reviews
  • Mid Year Reviews
  • Renewal Strategy Meetings
  • Employee choice with PPO and HMO plan options
  • Local, national and Global programs

Employee Communications

Providing the simple and easy to read benefit details is very important. We work with clients to:

  • Create benefit guides which reflects client’s corporate philosophy
  • Organize educational open enrollment meeting.
  • Manage carrier representatives
  • Set up a customized online portal for company benefits.
  • Review the benefits during a mid-year review meeting with the client.
  • Develop materials that are branded with our clients logos.
  • Produce new hire and open enrollment kits.
  • Provide a benefits consultant at clients site at least once a month.

Plan Implementation and process

We work together with our client to create most cost effective strategies for our clients.
As a broker we work with all major carriers and provide our clients with:

  • Well researched proposal with various insurance carriers
  • Market analysis and comparisons against current plans.
  • Complete analysis of potential carriers and vendors
  • The implementation process and underwriting requirements.
  • Selecting insurance carrier that is most suitable for our clients.
  • Collecting employee applications and reviewing it.
  • Creating enrollment spreadsheets if needed.
  • Open enrollment meetings

Administration Services and Claims Management

Some of our administration services include:

  • Claims management and resolution
  • Account manager assigned to each client
  • Administrative issues resolution
  • On-site support and workflow design
  • Additions, Terminations and Changes.
  • Customized online administration portal.
  • Customized benefits binder and reference guide
  • Employee surveys if requested by clients.
  • On-site support and training
  • Direct carrier contacts

Compliance Support

We offer help with regulatory compliance in areas including:

  • SPD (Summary Plan Descriptions)
  • Having an ERISA/Benefits Attorney on retainer to support our clients’ needs
  • Organizing seminars with on various subjects Like HIPAA, COBRA, ERISA, International Benefits, etc.
  • Providing assistance with Health Care Reform Requirements
  • Email updates
  • COBRA/HIPAA administration

Outsourced COBRA Administration

Some of the ways we help with COBRA Administration are:

  • Evaluation and selection of COBRA vendors
  • Implementation of COBRA administration solutions
  • Participation and payment tracking
  • HIPAA certificates
  • COBRA legislation updates

Global Insurance Plans

With the economy going global, we see the needs of many employers to provide coverage for their employees who travel outside US on a regular basis. Whether the need for benefits is for US expatriates or non-US citizens in the US or abroad, we have access to a full line of international medical insurance products:

  • International medical insurance
  • Travel medical insurance
  • COBRA & HIPAA compliant expatriate group medical insurance
  • Multi-trip coverage
  • Plans for expatriates, third-country nationals, and local nationals
  • Multinational pooling
  • International employee benefit packages including Medical, Life, Disability & Dental programs