Group Benefits

We tailor your benefits programs to meet your needs and budget. Our proactive renewal planning and communication ensure an attractive, sustainable package for your firm. Our dedicated benefits specialists will respond promptly to your questions and concerns. As seasoned professionals, we work diligently to keep you informed about state and federal legislation that affects your employee benefits program.

Comprehensive benefit packages are attractive to job seekers, particularly if benefits extend to their families. Offering a competitive benefit package can give you the edge you need to hire and maintain a quality, dedicated staff. Offering quality, competitive benefits is simple with the help of our experienced staff.

We Provide These Coverage Plans
Employee Benefits	Group Life, Medical, Dental Group Long-Term Disability Group Vision Care Flexible Benefits/Section 125 Programs Group Travel Accident Employee Assistance Programs
Retirement Plans	Qualified Pension, Profit Sharing and 401(k) Plans
Carriers	Access to Major Insurance Companies
Services	HR Support Center Buy-Sell Agreement Consultation Seminars Informational Newsletters Claims Advocacy FMLA and HPAA Compliance Informative Materials for Employers Electronic Plan Documents Employee and Administrative Meetings COBRA Administrative Software National Toll-Free Number

Services We Provide
Renewal Negotiation and Marketing	Negotiate renewal rates for all coverages. Obtain proposals if renewal terms are unfavorable or if client wishes to reviews alternative offers from comparable insurers. Review premium saving options and discuss possible plan changes. Discuss additional types of coverage.
Contract Review	Review all existing and future employee benefit contracts. Obtain up to date Summary Plan Descriptions (SPD), Plan Documents, and Contracts. Facilitate amendments (changes) to contracts as needed.
ERISA and COBRA Compliance Support	Assist employer with ERISA compliance disclosure requirements. Coordinate required data for 5500 Forms. Consult with client about internal COBRA compliance systems and extend discounted fee for enrollment in a nationally recognized COBRA seminar.
Administrative and Employee Meetings	Schedule administrative meetings in preparation for a renewal, following plan changes or when a new administrator needs specific training. Conduct employee meetings. We encourage employee meetings at open enrollment intervals, before plan changes and for general educational purposes.
Communication	Be continually available to clients by telephone, voicemail, fax and the Internet. Assist with the communication to and enrollment of employees in new programs or modified plans. Provide written materials explaining benefit choices and specialized communication material as needed. Serve as consumer advocate on behalf of our client’s employees and their dependents relevant to claims and or coverage issues.