Employee Benefits

We have discovered that most of our competitors are competent at placing insurance products with their clients, but rarely understand how managing risks and costs can play a positive role in employee benefits. Our team has been very successful in working with our clients to discoverand implement the right benefits and service providers to meet your unique needs based on risk tolerance and tools to manage and report those costs.

Our process to discovering and developing these solutions is simple and obvious, but rare in this environment: we listen, get a strong understanding of your goals and objectives and the financial investment and expectation you want to set for your employees. It means looking at the insurance carriers who offer different products, knowing what each product does (and doesn’t do) and then how that fits into your goals as an employer, as a buyer and as a consumer of that product.

We think differently. While this ought to be a part of the first element of our job, for nearly all of our competitors it isn’t. We take that part of our job seriously. It means bringing new ideas and real analysis to your situation to create a long-term, price-stable solution for your benefits needs. Ebenconcepts will produce a higher level of stability and do a better job preparing our clients for the ups and downs of benefit management for their employees.

Brokerage and Consulting services include but are not limited to:

  • Request For Proposal (RFP) submission and review to qualified insurance carriers
  • Detailed market analysis of bid results
  • Preferred Provider Organization (PPO) comparison by ZIP code
  • Cost containment strategies
  • Healthcare reform planning
  • Return on Investment (ROI) analysis from Wellness Programs

Insurance Solutions

Employer Sponsored:

• Medical

• Dental

• Vision

• Life & AD&D

• Short Term Disability

• Long Term Disability

• Long Term Care

• Critical Illness

• Key Man /Executive Life Plans

 

Voluntary Benefits:

• Dental

• Vision

• Life & AD&D ($150,000 Guarantee Issue)

• Short Term & Long Term Disability

• Long Term Care

• Voluntary Accident & Cancer Plans

 

Individual Plans:

• Short term medical

• Individual medical & dental

• High Risk Pool Coverage (in applicable States)

• Medicare products