“Small business employee loyalty has steadily declined from 62% to 44% over the last three years. Small business employers believe that employees are just as loyal as they were three years ago. ”

- MetLife, Address Growing Flight Risk with Benefits-Based Strategies white paper

Making a Difference

Our clients get an extension to their management team. As our client, you enjoy a personal, one-on-one relationship with a partner in our firm. It means when you need assistance, you have access to a dedicated expert who truly knows you and your business. Our clients are the boss, but they appreciate how we own and drive everything around employee benefits plans, compliance, administrative systems and their group insurance carriers - allowing them to focus on what matters most, their business.

Understanding the Employee Benefits Marketplace

We filter through to make sense of all the carrier offerings, sort through the pricing, and keep up with government regulations to take away the annoyance and time demands from our clients. Whether you are an experienced HR executive with deep benefits knowledge or the business owner who doesn't know much about benefits – and wants to keep it that way – we take away the agony of information overload.

It's All About Their Health

For the time being, health insurance is still the vehicle to enable employees to access and finance the best healthcare possible. However, providing that is not and will not be enough.

Regardless of the end game in Healthcare Reform, managing population health is the must-do for employers of all sizes and their employees. Sounds obvious, but managing costs and improving health go hand in hand. T Business owners need to start finding their way now.

Knowing your financing options

One of the key aspects to providing benefits, especially medical and dental, is how to finance the programs. The key is to figure out the level of benefits in parallel with setting up the correct balance of risk taking. Our clients get clarity on the new options available to them on who bears the risk – the corporation, the employees or insurance carrier. With the changing economic and regulatory environment, financing vehicles such as self-insurance, captives and high-deductible health plans are all tools that are being evaluated by small and large companies alike.

Educating Employees

Benefit programs cost and significant amount of money and the healthcare system is becoming more – not less – complex as it evolves. These two facts demand that employees get the best support in making choices and navigating the system. We've found that the best way to educate employees is the old fashioned way – face to face. Group meetings are a good start and individual meetings are priceless. And to help navigate the healthcare system, our clients benefit from our consultants or the services of Health Advocate to get personal advice on how to deal with their specific circumstances.

Best of breed benefit administration systems

Just as we scour the market for the best benefit programs, we search the marketplace for the best benefits administration and HR systems. Why be jammed into a broker's system that was built as one-size-fits-all? We take a broad perspective across all HR systems – payroll, HRIS, timeclock – when recommending and implementing benefit systems to make life easier for our clients. We negotiate on your behalf to find comprehensive options and ensure seamless delivery throughout the process.

What our clients get
The Agony Filter
Managing Population Health
Funding Alternatives
More Than Talk
Search and Deploy

REFORM - A DIFFERENT TYPE OF REFORM

Our lawmakers in D.C. are getting all the attention for trying to reshape (fix) the delivery and financing of the American health system, but the real action on the street is happening at companies that are taking the bull by the horns and addressing the root cause of the hyper-expense of our medical system – it’s used too often, at the wrong time and people research the value of their TV purchases 100 times more than the value of their healthcare services. Here are two blogs that discuss specific remedies to manage down the cost of healthcare and provide a glimpse of what you might see at your company in the coming years.

Change: Healthcare | The Company That Solved Healthcare

When You choose EMBROOK BENEFITS as your partner

you have expertise and dedication at work for you.

Group medical, dental, vision, life and disability
Employee benefit administration systems
Voluntary benefits
Employee assistance, advocacy and wellness programs
1:1 employee education

Phone:Toll Free: 866.582.8992
Phone: 267.386.8200
Fax: 866.903.2013
info@embrookbenefits.com

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