Benefits Communication

  • Health, Dental, Vision, Life, Disability
  • Accident, Critical Illness, Cancer, Hospital
  • Telemedicine, Health Advocacy
  • Legal, ID Theft, Auto, Home, Pet
  • Beneficiary Updates, Wellness, and More

Technology

  • Benefit Administration (In-House Case Builds on Selerix)
  • Human Resources Information System
  • Mobile Employee Communication App
  • Online Enrollment Scheduling

Dependent Eligibility Verification

This is an advanced verification process that validates the healthcare eligibility of each employee’s dependents. On average we find that 3-8% of dependents on health insurance plans are ineligible for coverage. The estimated annual cost per dependent when factoring in premiums, administrative costs, and claims exceeds $4,000. Any significant claim incurred by an ineligible dependent will negatively impact the bottom line of a business, whether full-insured or self-insured.  Employees may be negatively impacted as well through premium increases passed on to them at renewal by the health carrier.

Business Example:

  • Self-Insured Plan with 25 ineligible dependents at $4,000 in annual cost
  • Company has 5% Profit Margin
  • Company would have to generate $2,000,000 in sales to cover the ineligible dependents on the plan

WOTC Administration

Work Opportunity Tax Credit (WOTC) is a Federal tax credit available to employers who hire and retain veterans and individuals from other target groups with barriers to gainful employment. There is zero net cost to brokers and clients to verify new-hire eligibility and administer filing for available tax credits. WOTC credits range from $1,200 – $9,600 per qualified individual from the following target groups:

  • Veterans
  • TANF Recipients
  • SNAP (food stamp) Recipients
  • Designated Community Residents
  • Vocational Rehabilitation Referral
  • Ex-Felons
  • Supplemental Security Income Recipients
  • Summer Youth Employee
  • Qualified Long-Term Unemployment Recipient