Today’s business owners are acutely aware of the fact that offering high quality and affordable employee benefits is critical to both attracting and retaining valuable talent.

We are contracted with the top health, ancillary, and supplemental insurance carriers to help you offer the very best benefits packages to your employees. We are skilled negotiators, able to effectively communicate your unique needs in order to create a personalized insurance program that meets them.

Your employees are your biggest asset! We recognize that each organization's employees are unique, and that they deserve a benefits program that meets their specific needs. Simply put, one size doesn't fit all. Our first step in building an appropriate employee benefits program is to listen and learn about your business and its employee base in order to gain an understanding of your specific needs and objectives.

HERE IS WHAT YOU CAN EXPECT:

Customized Benefit Design

Every company and industry has a unique employee base. We will design an employee benefits package that provides valuable yet cost-appropriate solution for your workforce. Offering the right options at the right price correlates to value for both employees and employers.

Employee Support

Associates Insurance Agency will provide your employees with support in navigating and understanding their benefits. Through the utilization of customized applications and text messaging, we will help you educate your employees and illustrate to them the value of your investment. Ongoing communication will help steer and improve claim utilization. Our team of benefits advisors is available to help answer coverage questions and resolve claim issues.

Wellness

It has been proven that having a healthy workforce drastically improves production. We fully support and help to create a wellness program that rewards both employers and employees for engaging in healthy behaviors. A small change in culture can drastically reduce claims and ultimately impact renewal rates. Onsite biometrics, fitness resources, employee communication, and coaching are just some of the wellness services we promote.

Benefit Administration

Open enrollment can be an overwhelming undertaking without the correct support. We will handle all the logistics and create a plan that minimizes disruption to your business. Whether they are accessible onsite at a warehouse at 6am, or through a call center or employee portal, we have all the necessary enrollment solutions and resources. You have a company to run; we have the flexibility needed to minimize downtime by making our bilingual enrollment team available on your schedule.

Our job isn't done after open enrollment. Leave chasing down new hires to complete enrollment to us! Our benefits advisors track eligibility and connect directly with employees to explain coverage, answer questions, and collect elections. All communication is recorded to ensure your compliance.

Electronic Benefit Platform

Paper enrollment forms are hard to track down and can be even harder to decipher. Our electronic enrollment and administration platforms eliminate paper enrollment forms. Employees appreciate electronic forms, and employers rest assured knowing that employee data is safe, secure, and accessible. Information is accessible 24/7 to both employees and dependents.

Compliance

As an employer offering health insurance, you have responsibilities under ERISA, IRS, and ACA guidelines. Do you understand those responsibilities? We guide you through compliance requirements and go one step further by creating your written plans and distributing notices to your employees. Our benefits platforms provide all the record keeping and documentation to support a compliance audit.

The political landscape relating to healthcare is in constant flux; we can help advise you on law changes and how they may affect you.

Protecting your Business

The sudden death or disability of a key employee or owner is detrimental to any business. We can help you mitigate that risk through the provision of life and disability insurance, either for a key employee or to support the buy-sell agreement of an owner. We have access to all the major life and disability carriers.