Employee Benefits Managing the Full Spectrum of Risk

THE BENEFITS OF SIMPLICITYCompetitive benefits are a requisite part of attracting and retaining the best talent. A comprehensive program can also improve the health and productivity of your workforce. But along with health, dental, vision, life and disability options there is a complex regulatory environment to navigate; from ERISA to the Affordable Care Act.

Get past the complexity and realize the business value of world class employee benefits and wellness programs.

Improve the health and productivity of your workforce.

ON YOUR TEAMPart of a top 25 insurance brokerage with offices across the United States, Risk Strategies’ health and welfare team provides sophisticated consulting and brokerage services to create customized, cost-effective, quality employee benefits programs that align the interests of Finance, Human Resources and Senior Management.

From healthcare to higher education, manufacturing and construction to professional and social services, our people understand the details of your world and your particular needs. You’ll get the benefits programs you need to hire and retain the best talent; fully compliant, expertly designed and administered.

No headaches. No surprises.

Programs that align the interests of Finance, Human Resources and Senior Management.

WELLNESS FOR HEALTHY BUSINESSThe state of your employees’ health has real consequences for your business, even beyond the cost of medical claims and benefits premiums.

Beyond lowering your healthcare cost trends, a focus on employee well being pays proven dividends by boosting productivity, lowering absenteeism, improving employee safety and increasing overall worker engagement with their job and workplace community.

Risk Strategies health and welfare team develops strategies that match both cultural and fiscal objectives using evidence-based methods to achieve measurable reductions in health risk among your employees.

Match both cultural and fiscal objectives.

INTERNATIONAL BENEFITSBusiness is an increasingly global activity. Protecting the health and safety of your workforce around the world should be a seamlessly integrated part of an overall benefits program.

Risk Strategies works with local country and expatriate programs, multi-national risk pools and accident and health benefits for international business travelers to ensure your people have the right coverage no matter their circumstance.

From temporary or permanent international health insurance to evacuations and global rescue services, Risk Strategies’ health and welfare team can build out a custom, cost-effective approach to comprehensive international coverage that reduces complexity so employees can focus on the business at hand.

As business goes global, benefits must keep pace.

MERGERS & ACQUISITIONS SUPPORTMergers and acquisitions are complicated undertakings. Every deal is different, requiring close scrutiny and keen insight to combine operations in ways that increase efficiency and boost the bottom line. Employee benefits programs are an important, but complex and sensitive, piece of that puzzle.

Using data-driven methods to inventory existing programs, Risk Strategies’ health and welfare team reviews and analyzes existing benefits programs; delivering a concise report detailing compliance issues and financial liabilities.

With this insight in hand, our team can help you move smartly ahead with financial projections, plan integration and consolidation or plan termination.

Benefits are an important, but complex and sensitive, piece of the mergers and acquisition puzzle.

READY FOR THE ROAD AHEAD The employee benefits and wellness landscape is constantly evolving – new rules, regulations, technologies and trends. Our scope of industry experience and full access to all major health and welfare insurers means we can keep you right in step with the times and a step ahead of your competition.

WAYS WE CAN HELP ENSURE YOU HAVE THE BEST BENEFITS AT THE RIGHT PRICE INCLUDE: Strategic Benefit Consulting• Systematic analysis of benefit plans• Financial modeling• Plan design review and benchmarking• Compliance review and guidance (ACA, COBRA, HIPAA, ERISA)

Carrier Selection and Management• Vendor procurement and implementation• Renewal assessment and negotiation

Benefit Plan Administration• Online management platforms• On-line enrollment facilities• Communication content and design• Client claims advocacy

Wellness & Employer Health Asset Management• On-site Biometrics screenings• On-site Health Fairs• Wellness seminars

International Benefits• Temporary and permanent health insurance• Medical evacuations and global rescue services• Business travelers accident and health

Merger & Acquisition Support• Current benefits environment inventory• Compliance and financial liabilities analysis• Financial projections• Plan integration and consolidation• Employee disruption modeling

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