Employee Benefits

Providing an employee benefits package that includes quality, affordable health care coverage continues to be one of the greatest challenges for today’s employers. We put our considerable experience in this field to work on delivering alternatives to our clients. We evaluate the design of different benefits packages to achieve the best pricing structure and advice on implementing such options as cafeteria plans that allow for employee cost-sharing through tax deductible contributions. As well, we administer the benefits program, assisting employers with the claims filing procedure.

Risk Management Analysis

Implementing a risk management program is fundamental to a company’s ability to protect itself against the loss of key personnel through death or disabling injury or sickness. We offer expertise on selecting life and disability insurance coverage for such a program.

We conduct a financial security analysis to determine the appropriate protection for companies and their key executives, which encompasses evaluating risk management needs and balancing them with living or wealth accumulation objectives. We design risk management programs to be affordable, to fill corporate and individual needs, and to be flexible enough to allow for a change as needs change. Our analysis also involves a review of any existing coverage to ensure it is cost effective and includes up-to-date features.

Through risk management analysis, we can deliver solutions in the form of policies valued and designed according to our clients’ needs.