Employee Benefits
Benefits strategy and brokerage for employers of every size. A local team runs your program from one plan year to the next and brings in national specialists when the work calls for them.
Solutions, in three groupings
Every program draws on the same set of solutions. They are grouped here by the kind of work involved.
Optimized solutions
Plan design and funding that fit your workforce and your budget.
- Health plan strategy
Plan design, carrier strategy and renewal planning, built on your own claims experience.
- Alternative funding
Level-funded and self-funded arrangements for employers ready to look beyond a fully insured plan.
- Captives
Group captive arrangements in which employers share stop-loss risk with one another.
- Pharmacy
Pharmacy benefit strategy, contract reviews and oversight of the pharmacy benefit manager.
- Benchmarking
How your plans compare with those of employers like you, by size, industry and region.
- Actuarial and finance
Cost projections, funding rates and reserve analysis from benefits actuaries.
- Life and disability
Group life insurance and short-term and long-term disability coverage.
- Absence management
Leave policies and their administration, including FMLA and state leave programs.
- Voluntary benefits
Employee-paid coverage such as accident, critical illness and hospital indemnity plans, and the enrollment that goes with it.
Personal partnerships
The people side of benefits: HR, communication and the employee experience.
- HR consulting
Policies, handbooks, compensation and workforce questions, with HR specialists to call on.
- Communications
Enrollment guides and plain-language explanations that employees read and use.
- Wellbeing
Programs for physical, mental and financial health that fit your culture.
- Individual coverage and Medicare
Guidance for employees and retirees choosing individual or Medicare coverage.
- Benefits administration
Eligibility, enrollment and the technology that keeps both accurate.
- Compliance
ACA reporting, COBRA, ERISA plan documents, and legal alerts when the rules change.
National collaboration
Programs and specialists that come from the size of the group.
- PEO solutions
Help deciding whether a professional employer organization fits, and choosing one if it does.
- Population health analytics
Claims and health data turned into a clear view of where costs come from.
- Total program management
One team coordinating carriers, vendors and renewals across the whole program.
- International benefits
Coverage for employees who live or work outside the United States.
By the size of your business
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Small business
A plan that is simple to run, a team that handles the renewal, and someone to call when an employee has a question.
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Middle market
Funding options, a plan strategy based on your claims data, and HR support as headcount grows.
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Large and complex
Self-funded programs, several locations and workforces, and national specialists for each part of the program.
How the work is shared
One relationship, with the depth of the group behind it.
- Your local team
- Knows your organization, leads every renewal and answers your calls.
- National specialists
- Join for a specific question, such as a pharmacy contract review, a captive or an actuarial projection.
- One calendar
- Compliance deadlines, open enrollment and the renewal, planned together for the whole plan year.
Talk to a benefits team
Tell us about your workforce and your current plans. A local team will follow up.
Headquarters, Deerfield, Illinois (847) 457-3000