Products and Services

Health and Welfare

Employee Benefit Business Strategies

Today, employee benefits is one of the fastest rising expenses for many companies. There is a great need to thoroughly review all the options, and correctly match the needs of the company with its economic realities. Because of the diversity of plans available today, it is important to have a knowledgeable partner who can analyze all relevant factors and make informed, prudent recommendations.

There are many factors that influence health plan selection that we can assist you with, such as:

• Health care benefits offered by each provider
• Employee out-of-pocket costs
• Employee premium contributions
• Employee attitudes towards the FFS plan or HMO
• Communication of benefits
• Enrollment process

• Review your existing benefit program and assess the feasibility of first dollar or self insured plans
• Evaluate benefit providers based on premium levels, plan design, and network match
• Negotiate with group medical, dental, vision, LTD and AD&D providers to bring you a quality plan at a reasonable cost
• Enroll employees and their dependents into available benefit options through the use of traditional enrollment, online enrollment, or a combination
• Respond to employee questions or concerns regarding their group benefits. We are available to all your employees, anywhere in the world, through our 800 phone number
• We will provide all the necessary plan materials, enrollment and claim forms, provider directories, benefit summaries, and summary plan descriptions
• Assistance in completing IRS 5500 filing
• Communicate with health care providers on behalf of your company or employees regarding such issues as billing discrepancies or mispayment of claims
• Comprehensive COBRA administration
• Integrated benefits
• Online assistance providing answers to you and your employees' questions
• Section 125/Cafeteria plan.
• Wellness programs
• Long Term Care
• Employee Assistance Programs
• Human resource assistance including sample HR policies and procedures, performance evaluations and consultations on HR questions

• International Audit
  • Employees - create and/or scrub international census. Captures each location, number of employees, type of employee, payroll origination, etc.
  • Benefits - Discover what is currently being offered in each location, plans, products, effective dates, policies, etc.
• Ascertain benefits philosophy
  • Discover via surveys and conversation, where you would like to be in offering benefits to your international population, on-par, better than average or exceptional in each country or overall in your international strategy.
  • What kinds of plans would you like to offer locals, in addition to local government plans.
• Country Specific Information
  • Country Profiles and business practice reports - For each country you operate in, we give you benchmark data around what are typical supplemental benefits offered, average costs and trusted carrier options.
  • Legislative updates - Keeping up on each countries legislative mandates and requirements for benefits offerings to make sure you are compliant and stay compliant.
• Recommendations, implementation and ongoing service
  • Go through options we have narrowed down as best practice options, based on your philosophy, employee needs, and country specific legislation and help you to choose the best option.
  • Create a multi year implementation strategy around ongoing audits, service, pooling options and carrier selection.