Corporate Care International

From manufacturing & repair, design, to distribution and retail, we understand the apparel industry's unique insurance needs and create risk management and benefits programs

Comprehensive Employee Benefits Programs: From the executive suite to the warehouse, serving the needs of manufacturers, repairers, retailers, importers, distributers, suppliers and designers requires experts who can successfully tailor an employee benefits program to meet your specific needs.

Our approach is aimed at helping you attract and retain key talent, assuring complete Health Care Reform Compliance, while preserving the bottom line.

Services Provided, but not limited to:

• Group & Individual Benefits plan design • Voluntary Benefits • In-house Health Care Reform legislative compliance consulting • In-house COBRA & FMLA legislative compliance consulting • Health and Wellness consulting • Compensation consulting • Retirement and 401(k) planning • Customized wellness and productivity services • In-house actuary services

Corporate Care International

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Innovative Risk Management Solutions In the apparel industry, understanding where your liability begins and ends can be a key differentiator in the success of a brand.

CCI’s Apparel Industry insurance professionals are well versed in the world of trade dress, supply chain, special event, and repair/restoration coverages. Our global reach provides clients with a seamless integration between national and international coverages, ensuring your product and bottom line are protected from manufacturing to retail.

Specialized Expertise, but not limited to:

Intellectual property, patent and trade dress coverages Supply chain analysis In-House OSHA Compliance Consultants Exclusive workers' compensation program Claims advocacy Specialized Fleet Programs On-site compliance audits

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Whether you need a custom tailored employee benefits plan, a risk management strategy to cover your global distribution, or access to exclusive apparel industry programs, we can provide you exactly what you need to insure your success.

Health care reform law has vast implications for all companies and their employees. For the first time, US employers must provide affordable health coverage to their employees or face penalties. Responding to health care reform is not an option — it’s law. CCI is here to help. We can help you navigate the complexities of US health care reform.

Our core skills — CCI will help you & your staff understand and identify both the risks and opportunities this new legislation brings.

Our team will work with you to: Analyze the implications of the Patient Protection and Affordable Care Act (PPACA). Provide recommendations around the risks and opportunities of health care reform, and how it applies to your specific business/ industry. Help you execute an action plan that addresses the risks, costs, and compliance and strategic obligations that health care reform brings. -------------------------------------------- Traditional retirement and benefit programs can be a huge drag on business performance. Yet many companies have had little latitude to make meaningful changes.

The economic crisis and the emergence of health care reform legislation, has scaled back employee expectations – and set a precedent for companies to rethink programs that have long outlived their usefulness. Transforming a company’s benefits and retirement programs requires deep experience with benefits plans and a solid grounding in actuarial science. Compliance is of the essence. But that’s just the beginning. In many cases, the only way to see past the status quo is through a strong financial perspective. Corporate Care International has access to deep experience in human resource (HR), finance and actuarial services to help organizations such as S Rothschild identify opportunities and solutions others might miss. As a leader in organizational change consulting, we help organizations turn innovative ideas into reality. I've outlined our unique approach & services below: A critical moment for action Health care reform is now the law of the land, creating profound changes in how medical benefits are delivered to employees and retirees and impacting workforce planning, including industries that rely on part-time workers. Most benefits programs were designed for a different era when people stayed with the same company for their entire careers, expected full healthcare and benefits, and looked forward to a quiet retirement.

But in today’s business world – where people hop from one company to the next and then retire early – that model of lifelong obligations just doesn’t make sense. Moreover, many programs waste money on benefits that large segments of the workforce don’t really care about. Factor in the skyrocketing cost of healthcare, and it’s clear that something needs to change. CCI provides businesses with an opportunity to rethink their benefits programs and design new ones that are more attractive to their employees, with more manageable and predictable costs as well.

How we can help Transforming a company’s benefits and retirement programs requires deep experience with benefits plans and a solid grounding in actuarial science. But that’s just the beginning. CCI has access to deep experience in HR, finance and actuarial services to help organizations identify opportunities and solutions others might miss. As a leader in organizational change consulting, we help organizations turn innovative ideas into reality. Our services are designed to help organizations in the following areas:

• Redesign of overall benefits packages • Health care strategy development

including consumerism and wellness considerations and the proper reaction to health care reform

• Transition of pension plans into defined contribution plans

• Employer cost reduction studies • Evaluation of benefit plan value to

employees • Communication of employee benefits

programs Bottom-line benefits

Effective actuarial, retirement and benefits strategies can help an organization in its efforts to: • Make benefits and retirement costs more

manageable and predictable • Reduce costs for the business • Provide benefits that today’s employees

value • Reduce legacy obligations that make it

hard for a business to remain competitive from one company to the next and then retire early – that model of lifelong obligations just doesn’t make sense.

Moreover, many programs waste money on benefits that large segments of the workforce don’t really care about. Factor in the skyrocketing cost of healthcare, and it’s clear that something needs to change. CCI provides businesses with an opportunity to rethink their benefits programs and design new ones that are more attractive to their employees, with more manageable and predictable costs as well.

CCI’s Unique Approach: Five ways to get more value now

Through our work & intensive pro-active health care reform education, CCI has developed insights that we believe can help organizations in their efforts to get more value from their actuarial, retirement and benefits strategies. Consider these lessons learned: Clarify the objective. Most companies we service want to reduce cost and cost volatility. But understanding that objective is not as simple as it sounds. Are you looking for immediate cash savings, or reduced expenses on financial statements? Are you willing to invest in the short term to meet your long-term goals, or do need to achieve net savings in the first year? What trade-offs are you willing to make to reduce costs versus keeping employees happy? Start with critical workforce segments. Benefits programs should reflect the special needs of workforce segments that drive the organization’s performance. Focus on what today’s workers want. Many programs waste money on benefits that workers no longer value. Often, different generations of workers have different priorities. Focusing on the needs of the present and future workforce – instead of dwelling on the past – can boost attraction and retention while reducing costs. Make communication an early priority. When designing or modifying benefits programs, many companies make the mistake of treating communication as an afterthought. Building consensus around key messages – before employees find out what is going on – will make it easier for them to understand and accept the changes. Monitor and adjust. CCI Continuously monitors programs' effectiveness both in terms of financial effectiveness and employee satisfaction. We adjust programs annually as needed. Too many companies make changes without ever reviewing the impact. Contact a CCI Specialist for more information: info@ccibenefits.com