EMPLOYEE BENEFITS CONSULTING
Assist in maintaining a competitive benefit program for their employees.
Help ease the burden of developing and maintaining a successful employee benefit plan.
Work as a resource for development of plan.
Advise on the changing legislation, market dynamics and demographics of the workforce, which all contribute to the ongoing need for expertise and assistance of benefits professional to stay ahead of the curve.
We specialize in the design and delivery of employee benefit programs.
Consultation is provided on a day-to-day, monthly, annual, and as needed, for project and account service.

MARKETING AND RENEWAL NEGOTIATION
Conduct comprehensive market studies.
Ascertain competitive rates.
Review appropriate plan options and funding arrangements.
Negotiate with carriers.
Complete in a timely basis for planning, budgeting and communication purposes.

STRATEGIC PLANNING
Assist and recommend during initial planning phase of any project, marketing, or decision making process as it is key to successful implementation of change or ongoing management.
Coordinate objective setting, timeline development and implementation scheduling.
Assist in determining the foremost method in achieving each of the desired goals. We believe success requires an understanding of our client's business and culture, as well as their current benefit programs and objectives.

NETWORK EVALUATION
Review and analysis of Geo-access reports, provider listings and customized employee provider surveys
Providing full provider disruption analysis based on the actual provider utilization patterns of your employees

HUMAN RESOURCE ASSISTANCE
Committed to addressing your inquiries in a timely basis.
Return of phone calls and e-mails within one business day.
Established data base enabling access to maintain your current plan information.

PROVIDER SUPPORT
Serve as a liaison between you and the carrier.
Our relationships with the various insurance companies help us better service your needs.
Act as a troubleshooter for problem claim issues.

EMPLOYEE COMMUNICATION & EDUCATION
Coordinate activity surrounding annual open enrollment.
Attend and help organize enrollment meetings and presentation of benefit options.
Facilitation of plan communication material and benefit comparisons.
Coordination of educational events and surveys to effectively communicate plan benefits.

FINANCIAL PROJECTIONS AND COST ANALYSES
Prepare comprehensive financial studies including current plan cost projections, contribution scenarios, plan alternatives, and future cost projections.
Provide comparative information which affects important decisions on plan and funding options each year.
Communicate regularly with carriers to keep abreast of changes in regulatory or market conditions that may effect future costs.

PRODUCTS & SERVICES
Union Insurance Group offers a full spectrum of Employee Benefit Plans, including:
Health
Life
Long & Short Term Disability
Vision
Dental
Voluntary Products
Section 125 and 105 Plan Administration
401(k) Retirement Plans
We also offer Benefit Administration Out-Sourcing Services:
Compliance Support including COBRA Administration
Employee Communication Materials
Training of Benefit Managers
Special Projects (reporting, training manuals, Summary Plan Descriptions)