Benefits Brokering & Administration

•  合同变量的协商 & Rates
  • 对所提出的所有计划进行合同审查
  • 与当前和建议的集团产品的比率比较
  • Identify key components affecting rate increase/compare to market and current plans
  • Review utilization data
• 核对所有福利供应商的账单
  • 协助集团产品对账
  • Provide reconciled statement
  • 解决影响注册和/或保费收取的问题
• 所有福利计划的管理和沟通
• 为所有合资格参加者提供雇员福利倡导服务
• COBRA Administration
• 有限的访问员工导航，明升体育app下载在线注册工具

当涉及到员工福利中介, are you ready to say goodbye to multi-vendor relationships and hello to an efficient, cost-effective approach to running your business and securing competitive benefits package rates for your employees?

Offering great benefits can give an employer a competitive edge over other companies seeking to attract top talent. But, before landing the perfect benefits package在美国，企业首先必须找到合适的员工福利中介.

Benefits are likely to be one of a company’s largest expenses aside from payroll and finding the right representative to manage that money is no small task.

Here are some tips for choosing the best employee benefits broker for your business:

1. Start early. The best time to start the hiring process for a new employee benefits broker is right after renewal, when all the challenges from negotiating last year’s benefits package are still fresh. At the very least, companies should start the search for their employee benefits broker six months ahead of open enrollment.
2. Build a large pool of candidates. 员工福利经纪人不缺, 公司不应该限制自己在搜索领域的选择. 通过与几个不同的经纪人交谈, employers can learn more about what services are out there and what may benefit their company.
3. Ask for recommendations. It’s easy to find a list of brokers using the Society for Human Resources Management (SHRM), 但最好是向周围的人征求建议. Other business owners, HR managers, or board members are a good place to start when looking for a great recommendation.
4. 在问卷上要深思熟虑. 如果你的公司选择通过RFP或问卷调查过程, 选择适合公司具体需求的问题. 除了询问福利本身, 公司应该向经纪人询问他们的客户服务, fees, and other services.
5. Every company is different. Location matters. If you are a Tennessee-based company, you should have a Tennessee-based employee benefits broker. 其他考虑因素还包括公司规模和增长潜力.

1. The broker should communicate and educate the client on their benefit offerings, 以及协助会员的注册过程.
2. The broker should act as a liaison for Wellness and Risk Management activities, 以及与适用的供应商建立关系.
3. The broker should provide Advocacy Services that assist all benefit-eligible and benefit-enrolled members with explanations of benefits, explanation of E.O.B.’s, 为会员提供理赔方面的支持, offer prescription assistance, 并提供计划条款和供应商援助.
4. 经纪人应该提供COBRA和125计划管理, including COBRA notices and reconciliation of premiums received (at a separate fee).
5. The broker should assist in reconciliation of billing statements from all benefit providers.
6. 经纪人应进行市场营销，审查，分析，并提出更新计划.
7. The broker should be knowledgeable and work with vendors to help ensure compliance with PPACA.
8. 保险公司应该提供在线福利登记工具.

As a full-service broker, LBMC Employment Partners can provide companies with access to the most competitive benefits package rates available. 明升体育app下载全方位服务方式承担了福利选择的负担, enrollment, education, compliance and administration from our clients allowing them to focus on their business.

In case you weren’t aware of the full palette of services available from LBMC Employment Partners, 下面是明升体育app下载经纪服务明细，让你看得更清楚一些.

• Shop and quote medical, dental, vision, LTD, STD, Life, various supplemental and voluntary products
• 与主要保险公司的持续合作关系
• 客户计划产品和招生教育
• 在线报名平台，不额外收费

Plan Design

• 提供设计策略以帮助实现覆盖范围和财务目标
• ACA Compliance
• 协调其他福利，包括HSA, FSA和HRA账户

Administration

• 客户将有一个专门的客户经理
• 客户与利益承保人之间的联络
• 日常维护和后台管理
• 所有保险的每月保费发票对账
• 不额外收费的参与人辩护和索赔援助
• COBRA administration, including the collection of payments at no additional cost
• Form 5500 preparation
• Plan document preparation

Clients who also use LBMC EP’s payroll services 将享受工资和福利活动之间的无缝集成.

All content and services on this page are offered by LBMC Employment Partners, LLC. LBMC Employment Partners, LLC, is part of the LBMC Family of Companies and is an independent entity with services and products being provided exclusively by LBMC Employment Partners, LLC.