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We fully customize each component of your employee benefits program to ensure that you are obtaining affordable features most appropriate to your organization’s needs and those of your employees.
Full Range of Employer Services.
Fairview provides numerous services to help employers effectively monitor the quality and success of their employee benefits program. With the support of a dedicated service team and easy access to our employee benefits experts, we help you to get the most mileage from your benefits dollars. Our services include:
Strategic Planning. We help you perform a complete evaluation of your employee benefits program, including a benefit and financial analysis. Measured against your short- and long-term goals and any applicable collective bargaining agreements, we help to determine benefit levels that are both compliant and cost effective. If you need to change or upgrade your existing plans, we can help you develop bidding specifications and RFPs to send to prospective providers. We can then help evaluate the responses you receive.
Many of our clients work with labor unions. Fairview knows how to work within union constraints, and can provide you with relevant benefits information for union contract negotiations. This information includes rate information, marketplace trends, and methods for municipalities and employers to combat this crisis.
Vendor Oversight. Fairview provides oversight of your benefit vendors’ contractual compliance. We work with your carriers to establish a regular reporting schedule so that we can analyze data for financial forecasting and to establish other trends and norms.
Document Review and Quality Assurance. Relying on our in-house technical expertise, we review all of your plan documents and contracts for compliance with applicable laws and the terms of any collective bargaining agreements your organization may have.
Renewal Evaluation. Fairview has a proactive renewal process. Throughout the plan year, we build a cost profile based on account-specific claim results, as well as market trends. Through careful monitoring and ongoing analysis of monthly and year-to-date claim activity, we generally approach renewals with clear anticipation of appropriate carrier rate action. Prior to the actual renewal date, we will meet with you to review your goals. Depending on your goals, anticipated rate actions, labor contracts and expected budget constraints, we develop a plan for carrier negotiations. This may include plan redesign, modified employee contribution schedules, alternative funding considerations and specifications for a bidding process to market the program to competing carriers.
Best Rates. Fairview successfully negotiates the best rates with existing and alternative carriers. We provide succinct and effective spreadsheet analyses for rate/plan determination, aligning each carrier bidding for the business side by side with the incumbent carrier. The analysis breaks out of your monthly and annual benefits costs, as well as those of your employees.
Claim Settlements. Fairview is available to handle your employees’ insurance claim inquiries, resolutions and appeals. Your employees may either file their claims directly with the carrier or first speak to one of our Customer Service Representatives.
Ease of Administration. Fairview makes your administration of your employee benefits program as easy as possible. We will work closely with you and and assist you with all aspects of your benefit program, implementation to day-to-day service.
Billing. Fairview provides full billing support, including invoice auditing, reconciliation and consolidation.
COBRA and HIPAA Administration. For clients that do not wish to take on the responsibility of COBRA or HIPAA, we will provide competitive proposals from a variety of vendors, depending on your specific needs. Fairview will assist in the implementation of the services as well as on-going assistance.
Updates on Legislative and Carrier Changes. Fairview stays ahead of regulatory and insurance trends. We are capable of providing our clients with regular updates on legislative changes (including COBRA, HIPAA and ERISA), carrier changes, new state programs and more.
Employee Participant Services.
Providing the right services to your employee participants is critical to helping them get the most out of their benefits, therefore making your employee benefits program truly effective. Your participants will have access to our specialists for assistance with specific benefits issues. Our employee participant services also include:
Enrollment and Education Meetings. Fairview coordinates and conducts open enrollment programs. Carrier representatives will discuss plan designs and answer questions from employees. We can coordinate the mailing of pertinent materials for the plans, such as I.D. cards, individual carrier benefit booklets and network directories. Fairview can also support employee education meetings and other events such as health fairs, as well as orientations for new employees.
Communications. We assist you in the preparation of communications materials for open enrollment periods, new benefit offerings, benefit modifications, benefit values, legal notices (including legislative updates), health fairs or other special events, and any other times when employee benefit communications are critical.
We provide comprehensive employee benefit statements for employees, showing the benefits they and their dependents receive and the cost of the benefit to the employer as well as employees. This is effective in showing how much you are spending on your employee benefits program (an especially valuable tool for union negotiations) and for communicating employees’ total compensation.
Providing All Components of an Effective Employee Benefits Program
Fairview can design plans for your employee benefits program that encompass any of these features:
Health Insurance. Fairview can help you design a group health insurance plan, including major medical, dental, vision and prescription coverage. We can help you determine whether to offer traditional indemnity plans, managed care plans or both. Most companies today share the cost of coverage with their employees, with a “cafeteria” approach that enables them to choose the health coverage that fits their needs and budget. Whether you pay the entire premium for your employees or share the cost, Fairview can help you choose the right plans. We can also help you set up a partially self-funded plan, which may enable you to save money if you have a low number of claims.
Disability Insurance. Short- and long-term disability coverage provides income for employees who become disabled and can no longer work. Fairview will help you find affordable disability insurance programs that will give your employees this important protection.
Life Insurance. Group life insurance helps you cost-effectively protect your beneficiaries and those of your employees. We offer several types of group life plans.
Life insurance is also an important business tool for employers because many succession and planning strategies are funded by life insurance. With our knowledge of life insurance and business planning strategies, Fairview can work with your other financial advisors to design life insurance plans to help you achieve your business planning goals.
Long-Term Care Insurance. Health insurance does not typically cover the high costs of long-term care in a nursing home, assisted living facility or your own home. You can protect your own assets and help your employees protect theirs by offering a group long-term care insurance. In addition, employers now may receive tax advantages by offering long-term care insurance to their employees.
Retirement Plans. As you are probably aware, Social Security will not provide adequate retirement funds for you or your employees. That’s why a retirement plan can be one of the most important features of your employee benefits program. Fairview’s Financial Services Group can design the type of retirement plan that meets your objectives and budget, including defined contribution plans such as 401(k), 403(b) and various IRAs, and defined benefit plans. We can build or redesign your plan with the features (including payroll deduction) and investment options you seek, assist you in the enrollment process and provide you with education communications for your plan participants.
Individual Insurance Coverage
Fairview not only offers group insurance for your company but also individual coverages. These include:
Life Insurance. Protect your loved ones when you die, with the right life insurance coverage. Life insurance will enable you to leave them money to cover expenses like outstanding bills, mortgages, funeral expenses, child-care and college tuition. Life insurance is also an important estate planning tool, with tax advantages that may help you lower estate taxes for your heirs.
Health Insurance. Fairview helps individuals handle the high cost of health care with major medical, dental, vision and prescription insurance.
Disability Insurance. Especially important for self-employed individuals, disability insurance protects you in the event you experience an accident or other debilitating condition that prevents you from working. Fairview can find you the best short- and long-term disability insurance for your budget.
Grow Your Business by Rewarding Your Workforce.
Attracting and retaining the right employee base may depend on the type of employee benefits you offer. For more information on how Fairview can help you offer a superior employee benefits plan, please contact Ryan Graham at 800.372.2558, 973.857.0870 or rgraham@fairviewinsurance.com. You may also contact Joseph Graham in our Cherry Hill office location at 800.452.5376 or by email at jagraham@fairviewinsurance.com.
| Relationships with Highly Rated Insurance Companies Fairview’s Employee Benefits Group offers insurance plans from the following carriers: Medical Aetna, Amerihealth, Cigna, Healthnet/Guardian, Horizon Blue Cross Blue Shield, IBC, Oxford and United Healthcare. Dental, Vision and Prescription Aetna, BeneCard Services, Bollinger Rx, Maxor, Cigna, Delta Dental, Fortis, Guardian, Met Life, Principal, Prudential, Standard Insurance, United Concordia and UNUM Provident, Avesis, BeneVision. Life, Long-Term Care and Disability AIG/American General, ING, Jefferson Pilot, John Hancock, Lincoln, Manulife, Met Life/GenAM, MONY, North American, Principal, Prudential, Transamerica, Travelers and West Coast Life. |
| DISCLAIMER- In no event shall Fairview Insurance Agency Associates, Inc. or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect or consequential damages, exemplary damages, or any damages whatsoever resulting from loss of use, data information, or profits arising out of or in connection with the use or performance the data, information, or material included in this Web site or on the Internet generally, or on any other basis.
Copyright 2006 Fairview Insurance Agency Associates, Inc. 1-800-452-5376 Site last modified: November 2006 |
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