Benefits Communication

  • Onsite Face-to-Face Meetings
  • Call Center – Inbound & Outbound
  • Shared-Screen Video Conferencing
  • Online Scheduling for Employee Appointments
  • Perpetual Enrollment / New Hire Onboarding
  • Benefit Guides, Videos, Email & Text Campaigns
  • Paperless Enrollment

Benefits Administration

There are many variables to consider when deciding which benefits administration system may or may not be the right fit. We take an agnostic approach to technology because our belief is that there is no one-size-fits-all system. Our team has enrollment experience with many platforms on the market and can help consult with clients and brokers to identify specific needs, as well as, cost. In most situations we are able to leverage our platform and carrier partnerships to subsidize some or all the cost.

If a benefits administration is already in place our team can simply enroll on the existing platform. In situations where a benefits administration system isn’t needed, our team can enroll all lines electronically as a “one and done” on our internal platform and send the eligibility files to the carriers for processing. In any event, we aim to eliminate paper and ensure we are capturing clean data to make implementation a much smoother process for all parties.

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

Work Opportunity Tax Credit (WOTC)