Assistance in design or re-design of benefit programs, including Flexible Benefit plans and Health Spending Accounts.

Obtaining quotations from insurers based on detailed specifications, analyzing the quotations received and providing recommendations in a report format for selecting appropriate insurers.

All necessary assistance in the implementation of any benefits, plans or changes including preparation of announcement material.

Reviewing of policy documents and assistance in the design of employee booklets.

Negotiations and reviewing premium rates with the insurers on renewal.

Analyzing the financial information from insurers on renewal and commenting on the underwriting approaches or concepts best suited to the group.

Assistance in design, financial analysis and management of self-insured plans.

Specific studies, such as: cost containment, absentee control and disability management, effect of aging population, demographic shifts, etc.

Assistance to whatever extent is required in resolving unusual claims and administration problems.

Help with Union negotiations as they pertain to our sphere of responsibility.

Third Party Administration, Claims Adjudication, U.S. Benefits, Travel Insurance, International Insurance.