Employee Benefits

In the old days, it was a lot easier than it is today to implement and manage an Employee Benefits Program. We have simplified the process.

We start from the beginning:

Eligibility Determination/Healthcare Reporting and Compliance

Our superb technology will define, track and report all Eligible Full-time Employees and Variable Employees (Part-time). We will advise you on the best fit for your company for the:

  • Stability Period
  • Administration Period
  • Enrollment Period

Defined Contribution Solution

By disconnecting its contribution from the health insurance premiums, an employer can re-gain control of its employee benefits package. Instead of offering just one or two plan options – instead of defining the benefit for the employees – the employer instead defines the contribution and lets the employees choose which benefits they want. The contribution amount becomes the benefit, and the employees get to go shopping!

If you would like to implement a “Defined Contribution” we will educate you and your employees on this concept. We have a variety of contributions solutions to keep it simple for you.

Health Insurance

As ACA has mandated that everyone have health insurance or pay a penalty, this program is the most important and costly to all of us.

We will advise you on the selection of health plans that you would like to offer your employees. We recommend two to four plans. Our plans include fully insured, HRAs, HSAs, 501 plans, partially self-funded programs and captive programs.

Samples of our Fully Insured Carriers are:
  • Florida Blue
  • United Healthcare
  • Aetna
  • Humana
  • Anthem
  • Blue Cross Blue Shield
  • Bluegrass Family Health Plan
  • Coventry
  • Cigna

Cafeteria Plans

Our services include preparing the documents and administration for the following plans:

  • Premium only plan (POP)
  • Flexible Spending Account
  • Dependent Care
  • Transportation

Voluntary Benefits

In this age of rising benefits expenses and tighter bottom lines, no one would blame employers for looking for ways to enhance his or her employee benefits menu at little or no cost. For many companies, voluntary benefits have fulfilled that role over the years. However, organizations often fall short conveying the value that these offerings add to the total rewards package.

Voluntary benefits are offered through an employer but paid for partially or solely by workers through payroll deduction with pre-tax benefits of a Cafeteria Plan. The attraction of these benefits is that they can offer individual employees group rates on a guaranteed issue basis that they would likely be unable to obtain on their own.

We offer the following voluntary benefits:
  • Dental
  • Vision
  • Guarantee Issue Life Insurance
  • Guarantee Issue Short and Long- Term Disability
  • EAP
  • Cancer
  • Accident
  • Critical Illness
  • Hospital Indemnity
  • Long Term Care
  • Identity Protection (Life Lock)
  • Pet Insurance
  • Tuition program
  • Prepaid Legal
  • Wellness Program
  • Retirement Plans