EMPLOYEE BENEFITS

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We understand that offering competitive and affordable benefits is essential for attracting and retaining top talent, and we're here to help you navigate the complexities of employee benefits administration with ease and confidence. 

We take a personalized approach to employee benefits. We understand that every organization is different, which is why we work closely with you to develop customized benefits packages that align with your company's goals, culture, and budget. Whether you're a small startup or a large corporation, we have the expertise and resources to design benefits plans that meet the needs of your workforce and support your business objectives. 

We pride ourselves on being reliable, accessible and responsive to our client's at all times.  One of the biggest frustrations clients face with other agencies is the lack of responsiveness. That's not the case with us.  We prioritize accessibility and responsiveness, ensuring that every call, email, or message is promptly returned – often within minutes.  Our clients can count on us to provide knowledgeable responses and resolve issues immediately. 

Employee Benefits Administration

• Full Customer Service Support 24/7: Your company, its employees and their dependents have access to our customer service department any time of the day any day of the week.
• Day-to-Day Adds/Terms: Our team manages day-to-day benefits administration tasks, including adding new employees to the system, processing terminations, and making adjustments to coverage as needed.
• Compliance Documents: We handle all aspects of benefits compliance, ensuring your plans adhere to relevant laws and regulations, including HIPAA, ERISA, ACA, section 125 plan, Summary Plan Document (SPD) and COBRA.  
• Enrollments: Our streamlined enrollment process makes it easy for employees to enroll in benefits plans, with personalized guidance and support every step of the way.
• Employee Guides: We prepare comprehensive employee guides that explain benefits offerings, coverage details, enrollment procedures, and other relevant information, empowering employees to make informed decisions.
• Online Tools: We provide Employee Navigator to all of our clients at no additional cost.

Comprehensive Benefits Offerings

We offer a wide range of employee benefits options, including:

• Medical Insurance: Provide your employees with access to quality healthcare coverage, including medical, prescription drug, and mental health services.
• Dental Insurance: Ensure your employees maintain optimal oral health with comprehensive dental coverage for preventive, basic, and major dental services.
• Vision Insurance: Help your employees maintain good vision and eye health with vision insurance plans that cover routine eye exams, eyeglasses, and contact lenses.
• Life Insurance: Provide financial security for your employees and their families with life insurance coverage that offers peace of mind in the event of unexpected tragedies.
• Disability Insurance: Protect your employees' income and financial stability with short-term and long-term disability insurance options that provide income replacement during periods of disability.
• Accident Insurance: Provides financial protection in the event of accidental injuries, covering medical expenses, ambulance services, hospital stays, and other related costs not fully covered by health insurance.
• Critical Illness Insurance: Offers a lump-sum payment upon diagnosis of a covered critical illness, such as heart attack, stroke, or cancer, providing financial support to cover medical expenses and other financial obligations during recovery.
• Cancer Insurance: Provides coverage for various expenses associated with cancer treatment, including medical bills, chemotherapy, radiation therapy, surgeries, and other related costs, helping individuals manage the financial burden of cancer treatment.
• Hospital Indemnity Insurance: Pays a lump-sum benefit for covered hospital stays and related expenses, such as room and board, intensive care, and surgical procedures, helping offset out-of-pocket costs associated with hospitalization not fully covered by health insurance.
• Wellness Programs:  Promotes employee health and well-being through initiatives such as health screenings, fitness programs, smoking cessation support, nutritional counseling, and stress management resources. 
• Employee Assistance Programs (EAP):  Offers confidential counseling, support, and resources to employees and their families for personal and work-related issues, such as stress, mental health concerns, financial challenges, and more. 
• Health Savings Account (HSA):  Offers a tax-advantaged savings account paired with a high-deductible health plan, allowing employees to contribute pre-tax dollars to pay for qualified medical expenses now or in the future. 
• Flexible Spending Account (FSA):  Allows employees to set aside pre-tax dollars to pay for eligible out-of-pocket medical expenses, such as deductibles, co-pays, prescription medications, and certain medical supplies. 
• Health Reimbursement Account (HRA):  An employer-sponsored benefit plan that helps employees pay for qualified medical expenses not covered by their primary health insurance plan. 
• Dependent Care Flexible Spending Account (DCFSA):  Offers employees a tax-efficient way to save on eligible dependent care expenses, helping them manage the costs of caring for their dependents while they work. 
• Legal Assistance Plans: Provides access to legal services and resources for employees and their families, including consultation, document review, representation for certain legal matters, and discounted rates for additional services.
• Identity Theft Protection: Offers monitoring, alerts, and assistance in the event of identity theft or fraud, helping employees safeguard their personal and financial information and mitigate potential damages.
• Travel Assistance Programs: Provides emergency assistance services for employees traveling domestically or internationally, including medical referrals, evacuation, repatriation, and assistance with lost passports or travel documents.