Employee Benefits: Programs and Strategies
Specific Benefit Programs That We Assist With
- Health Insurance
- HMO, PPO, POS, EPO
- Consumer Driven Health Care
- Health Savings Accounts (HSA)
- Health Reimbursement Arrangements (HRA)
- Flexibile Spending Accounts (FSA)
- Dental Plans
- Vision Plans
- Group Life Insurance
- Basic Life
- Supplemental Life Insurance
- Group Disability Coverage
- Statutory Disability Coverage (NYS DBL)
- Supplemental Short Term Disability Coverage (STD)
- Long Term Disability Coverage (LTD)
- Voluntary Benefit Programs
- Home and Auto Coverage
- Accident & Cancer Plans (Like AFLAC)
- Legal Service Plans
- Long Term Care (LTC) Insurance
- NYS Partnership Programs
- Traditional LTC Coverage
Analyzing Benefit Programs on Multiple Fronts
We approach your benefits plan from several directions at once. Our initial analysis and any recommendations will include a thorough look at:
- Your company's previous plans and performance
- Benefit cost objectives for the coming year and 3-5 year projections
- Your competition's offerings
- New innovative services from carriers
- Wellness and disease management strategies
- Voluntary benefits to meet expanding employee interests
- Employee education programs
- Self-funding options
- Applicable compliance regulations
- Consumer funding options
By considering all these factors and more, we will work with you to create a comprehensive plan that is specific to your company’s needs. You will receive the highest possible benefit for your employees while staying within your budget.
Wellness and Disease Management
An excellent example of our comprehensive analysis is considering wellness and disease management programs. This is a proactive strategy with a double benefit of helping contain plan costs while promoting healthier lifestyles for your employees.
Coordination and Packaging of Benefits Programs
Plan administration and employee satisfaction can frequently be enhanced by packaging multiple benefits with a single carrier. Reducing the amount of paperwork and administrative burden associated with the ongoing operation of your plans, is an important part of what we do. In many cases, this also results in lower rates through package discounts by the carriers.
