Group Benefits
We maintain elite status with all major insurance carriers. Our agency has an excellent relationship with each carrier, and we offer an unbiased point of view. As a trusted steward for our clients' benefits, our goal is to work hard to continually meet your needs. We look forward to providing a competitive benefits package to you and your employees.
We broker the following products, which are offered on a fully insured or partially / self-funded basis:
- Health
- Dental
- Vision
- Cafeteria / FSA / Section 125
- Health Reimbursement Accounts
- Health Savings Accounts
- Life / AD&D
- Short Term Disability
- Long Term Disability
- Supplemental Products
Value-Added Services
Underwriting
We have an aggressive approach to underwriting. By combining our underwriting
department's expertise with our producers’ knowledge and carrier data, we are
able to achieve the most desirable renewal.
We have identified a unique formula from data that carriers use to develop
rates for groups. Each element of this formula provides us leverage in negotiation.
Small Employer (2 - 50 Employees)
- Preparation of underwriting packets
- Limited plan utilization review
- Comprehensive electronic application and underwriting
- Screening of health applications for accuracy
- Participation calculator, ensure compliance and contribution
- Employee class analysis and industry review
Large Employer (Experience Rated)
- Compilation of data into a management reporting tool
- Quarterly analysis and presentation of reports and plan utilization
- Recommended plan design and funding changes with long term cost benefit
- Package client information to aid in achieving the most aggressive rate proposals
- Plan and budget projections for future rating actions
- Review rating actions directly with carrier underwriters to verify that rating information is accurate and fair
Cobra Administration
We provide complete COBRA administration. We enroll and maintain
participants, track time frames, and collect and reimburse premiums.
Our team effectively and accurately manages the IRS mandated forms
and language requirements. We become the intermediary between
employers and COBRA participants.
This process ensures full COBRA compliance and peace of mind for the client.
Sample Notices Include:
- General Notice
- Qualifying Event Election Notice
- Conversion Notice
- Premium Billing Notification (Invoices)
- Notice of Divorce
- Expiration Notice
- Notice of Insignificant Premium
- Underpayment
- Notification of Plan Change and Rate
- Notification of Termination for nonpayment
Employer Reports:
- Monthly Premium Report
- Reimbursement Check
- Monthly Termination Report
Human Resources Services
We offer a full spectrum of Human Resource services support.
We recognize experience varies in each company’s Human Resource
department. Therefore our services range from validating simple
issues to resolving complex matters. The unbiased consulting we
provide is responsive and available with unlimited access.
Work Shops
- ADA (Americans with Disabilities Act)
- Effective Communication/Feedback
- FLSA (Fair Labor Standards Act)
- FMLA (Family and Medical Leave Act)
- Hiring/Firing Guidelines
- Sexual Harassment Awareness
- Title VII (discrimination)
- Leave of Absence
- Union Advice
- Workers Compensation
- USERRA (Uniformed Services Employment and Reemployment Rights Act)
Templates
- Employee Handbooks
- Employee Opinion Surveys
- Job Applications
- Job Descriptions
- Leave Request Forms
- Severance Agreements
Support & Training
- 24-Hour Phone Access
- Timely Email Response
- Weekly Newsletter
- Performance Review Training
- Job Description and Postings
- Wage and Hour Issues
- Job Application Review
- I9 Compliance
- Union Advice
- Updated Human Resource Forms
- Discounted background checks and drug testing available
Wellness
Our wellness services include a wide range of resources, programs
and support to assist clients with worksite wellness initiatives.
Most adults spend more of their waking hours at work than anywhere
else, making it a prime venue for promoting healthful habits.
Importance of Worksite Wellness
- Reduce absenteeism
- Improve productivity and presenteeism
- Control increasing health care costs
- Improve employee morale and retention
- Reduce injuries
Through our experience, we have found the success of the wellness
campaign depends on the communication and support of the management
team. The result of this finding was the genesis of the wellness
department and the implementation of the listed services.
- Coordination of Carrier Programs and Resources
- Employer Workshops
- Workplace Evaluations
- Employee Interest Surveys
- Event Support (Including Health Fairs)
- Planning and Coordination of Biometric
- Screening Services*
- Health Education Materials, Tips and Newsletters
*A fee may be associated with actual screening services.
Online Services
HRconnection
HRconnection is an easy-to-use employee website that serves
as a custom company information and employee benefits expert.
For employees, it provides 24-hour access to company and benefits
information from any computer with internet access. For employers
and human resources personnel, HRconnection increases productivity
and cost savings by providing employee self-service and improving
employee communication efforts.
HRconnection Helps Employers:
- Comprehensive on-line enrollment
- Communicate with employees and solve human resources challenges
- Improve employee satisfaction
- Save money
HRconnection Helps Employees:
- Instantly access up-to-date company and benefits information and useful forms
- Connect to comprehensive human resources information 24-hours-a-day, 7-days-a-week
- Learn about career growth opportunities, job postings, and training programs
HRconnection Helps Human Resources:
- Efficiently showcase benefit programs to employees and their families
- Communicate important company information to all employees in a consistent, timely and useful manner
- Attract and retain valued employees by portraying a high-quality image
MyWave
MyWave is your pass to a dynamic world of employee benefits and human
resources tools and information. MyWave is an Internet-based client
center that gives you real-time access to our products and services.
MyWaveHR:
MyWaveHR provides access to articles covering a variety of topics,
comprehensive legislative guides, HealthShop newsletters, and
links to industry related websites.
Benchmark Surveys:
Allows you to determine how your plans and programs compare to other employers across the U.S.
MyWave Community:
Share information and resources via the community's interactive forum,
post questions to your peers, provide insight into other users' questions,
and track responses based on topics or individual questions.
Collaboration Center:
Our two-way document posting capabilities allow a seamless exchange of
information sharing and collaboration. You can download and share documents,
make updates, and track a document's history-simplifying updates to reports,
worksheets, questionnaires and policies.
