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.
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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.
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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
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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.
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More Information
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