We live in a mobile society! This means people are on the move in their business as well as their personal life. We offer benefits training to our employer clients. When our clients lose key individuals or simply need benefits training for existing personnel, we can help bridge the gap.

Curriculum

I. INTRODUCING BENEFIT PLANS

1. Communication of current plans and how they work (new employee enrollment packets)

2. Timeliness of adding new employees (risks involved in not getting employees enrolled) - Techniques used in assuring employees are properly enrolled or waived.

3. Administrative procedures in adding new employees- documentation with the particular insurance company, HMO or financial institution.

4. Documenting prior coverage under a new health plan- certificates of credible coverage, prior individual coverage etc., etc.

5. Open enrollments - HIPAA (30 day period prior to anniversary)

II. MAINTAINING / SERVICING EXISTING EMPLOYEES & PLANS

1. Cost questions / benefit questions (resolved direct with employee).

2. Claims questions or problems (insurance company and Clark Benefit Group).

3. Adding late employees and dependents after their initial / timely enrollment period has expired (special enrollees / late enrollees).

4. Implementing changes for existing employees - Adding new eligible dependents, deleting dependents, beneficiary change, etc.

5. Billing questions - grace periods, credits, etc., etc.

6. Summary plan descriptions- a requirement of ERISA.

7. Annual announcements to employees- open enrollment, pre-tax changes.

III. TERMINATION

1. State conversion / continuation

2. COBRA - (Federal continuation)

3. Certificates of credible coverage - HIPAA (certificate issued by insurance company)

4. Administrative procedures involved in terminations (see Admin. kit for insurance company)

5. Timeliness of deleting terminating employees (credit issues as well as status issues).

IV. SAMPLE NOTICES

1. Open enrollment

2. Annual Pre-tax changes

3. Pre-tax example

4. Reminder - Pre-tax

5. Acknowledge receipt of enrollment packet

6. Questions during enrollment

7. COBRA - Initial general notice and cover letter (Date of hire / Enrollment packets)

V. RENEWAL OF EXISTING BENEFIT PLANS

1. Involvement of benefit broker/consultant

2. Timeliness of updating current plan information (census, billing history, serious health issues, other evaluation issues) thus allowing all involved to properly evaluate current plans.

Call us when benefits training is an issue!
No task is too small for us to handle.

 

 

 

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