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Employee Benefits

Personalized
solutions for
your workforce.

Our team specializes in creating tailored employee benefit strategies, uniquely aligned to your business objectives. Our advanced tools simplify decision-making while our deep understanding of your aspirations allows us to adapt benefits strategies to support your growth initiatives and drive employee engagement.

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Individualized Approach
We align your employee benefits strategy with your business goals, delivering personalized solutions that promote employee well-being and drive organizational success. Your unique challenges are our primary focus.
Data-Driven Solutions
Leveraging comprehensive analytics, we identify gaps and cost drivers in your benefits plan, enabling us to formulate a uniquely optimized program, tailored to your organization's unique needs and goals.
Technology Enabled Support
Our cutting-edge technology enhances your HR processes, streamlines  administration, reinforces compliance, and enables insightful, data-driven decisions to boost productivity and manage costs effectively.
Holistic Solution
Ledgestone’s comprehensive insurance solution lowers your cost of risk by proactively attacking the root-cause drivers of loss and risk.
Employee benefits offerings

Driving success through tailored employee benefits.

Addressing every facet of employee benefits insurance, our services blend strategic solutions, comprehensive coverage, and value-added benefits, tailored specifically to your organization’s unique needs.

Key plan components

Group Medical
Voluntary Benefits
FSA / HSA
Group Dental
Life
COBRA
Group Medical

Attracting and retaining top talent while controlling costs is crucial in today's business landscape. Our group medical benefits offer a strategic solution that fosters employee engagement and health, while ensuring regulatory compliance. From strategic planning to compliance support, we're committed to innovatively addressing your specific challenges. With rising healthcare costs, turn administrative hurdles into opportunities. Leverage our expertise and analytic capabilities to navigate evolving group medical benefit needs, keeping your workforce vibrant and healthy. Stay ahead with a robust group medical plan that enriches your organization and its people.

Key services provided:
Strategic Benefit Planning
Benefit Program Benchmarking
Employee Contribution Strategies
Client Advocacy and Program Marketing
Vendor Selection & Management
Benefit Renewal Analysis
Benefit Funding Analysis
Benefits Communication Strategy
Benefits Implementation Support
Technology-Enabled Administration & Support
Voluntary Benefits

Attracting and retaining top talent while controlling costs is crucial in today's business landscape. Our group medical benefits offer a strategic solution that fosters employee engagement and health, while ensuring regulatory compliance. From strategic planning to compliance support, we're committed to innovatively addressing your specific challenges. With rising healthcare costs, turn administrative hurdles into opportunities. Leverage our expertise and analytic capabilities to navigate evolving group medical benefit needs, keeping your workforce vibrant and healthy. Stay ahead with a robust group medical plan that enriches your organization and its people.

Categories of voluntary benefits to consider:
Group Life and AD&D (Accidental Death and Dismemberment)
Group Vision
Group Dental
Short-Term Disability Insurance
Long-Term Disability Insurance
Critical Illness and Cancer Insurance
Accident Insurance
Gap Health Insurance
Identify Theft Protection
Pet Insurance
Tax-Advantaged Accounts

Elevate your benefits with tax-advantaged accounts: FSAs, HRAs, and HSAs. These tools reduce healthcare costs for you and let employees cover eligible expenses with pre-tax dollars. Our expertise ensures a seamless implementation and administration, supported by robust compliance resources. We offer customizable plans that integrate FSAs, HRAs, and HSAs with other benefits, delivering a hassle-free, value-rich experience. Trust us to simplify tax-advantaged accounts, providing valuable, cost-efficient benefits.

Pros of tax-advantages accounts:
Tax Savings
Lower Healthcare Costs
Employer Savings
Flexible Choices
Portable & Personal
Cons of tax-advantages accounts:
Higher Deductible Requirements
Administrative Complexity
Benefits Implementation Support
Limited Coverage
Group Dental

We offer versatile Group Dental coverage solutions, tailored to individual needs and budgets. From Indemnity and Self-insurance plans allowing flexibility in dentist selection, to Closed Panel and Preferred Provider Organizations offering care at discounted rates, we guide you through the options. Our team's deep understanding enables us to craft effective strategies, boosting your overall health benefits program with the addition of dental coverage. Let us amplify your benefits package with our customized dental solutions.

Various types of dental plans:
Preferred Provider Organizations (PPO)
Dental Health Maintenance Organizations (DHMO)
Indemnity Plans
Client Advocacy and Program Marketing
Direct Reimbursement (DR)
Point of Service Plans
Discount or Referral Plans
Exclusive Provider Organizations (EPO)
Table or Schedule of Allowance Plans
Dental Care Service Plans
Group Life

Empowering your workforce with robust life insurance coverage enhances peace of mind and job satisfaction. Our suite includes options such as Group Term, Whole Life, and Variable Universal Life insurance, as well as Critical Illness and Disability coverages. We tailor these offerings to your employees' diverse needs, ensuring a secure financial future for their families. Ease of access is facilitated through simplified and guaranteed issue options, with coverage continuity even after employment through conversion privileges. Trust our team to develop comprehensive, intuitive life insurance strategies, bringing value and assurance to your most important asset - your employees.

Life insurance coverages & considerations:
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Variable Life Insurance
Key Man Life Insurance
Dependent Life Insurance
Survivorship Life Insurance
Conversion Privilege
Critical Illness Rider
Disability Rider
COBRA

Navigating the complexities of COBRA, the federal law extends temporary health coverage under specific situations, can be daunting for employers. Missteps carry severe consequences, prompting many to outsource COBRA administration. Our services include day-to-day management, participant and employer support, and protection against compliance penalties. We handle notifications, premium collections, and open enrollment, providing a comprehensive, reliable COBRA solution for employers and former employees.

COBRA services:
Notification Management
Enrollment Processing
Premium Collection
Compliance Assistance
Communication Services
Reporting & Record Keeping
Open Enrollment Management
Self-funded solutions

Alternative approach to benefits.

Discover the financial flexibility and cost control advantages of Alternative Funding Solutions. From self-funded programs to employee benefits captives, our team will work to create a self-funded strategy that meets the unique needs and objectives of your organization.

Employee Benefits Captives

Employee Benefits Captives empower businesses to jointly manage risk, mirroring the benefits of larger firms. This collaborative approach reduces risk, stabilizes healthcare costs, and increases flexibility. Participants gain improved data transparency, potential tax reductions, and fewer state-mandated coverages. Each captive, governed by its members, offers a customizable solution, enabling you to retain your preferred network and TPA while reaping the benefits of collective strength.

Self-Funded Programs

Self-Funded Medical Insurance enables organizations to pay for health claims directly, removing fixed premiums. This strategy provides customizability, aligning coverage with workforce needs and demographics. It boosts cash flow, allows interest income from health plan reserves, and circumvents state mandates under federal law (ERISA). Self-funded strategies are most ideal for organizations with ample cash flow as it involves a degree of risk due to healthcare's unpredictable costs.

Level-Funded Plans

Level Funded Plans bridge the gap between fully insured and self-insured plans, offering security with potential cost savings. Employers pay a consistent fee monthly, covering administration, third-party administrators, and stop-loss insurance. These plans benefit particularly healthy employee populations, avoiding community rates. At the end of the year, employers may receive a surplus refund if claims are lower than projected, while stop-loss coverage protects against excessive claims.

Consultative Services

Driving success through
tailored employee benefits.

Benefits Administration Technology

Benefits Administration Platforms can transform your HR and Benefits processes by streamlining enrollment, providing detailed cost analytics, generating real-time actionable insights, and helping ensure regulatory compliance. Out team can provide a variety of technology support services ranging from selection and implementation of a new platform to assisting with outsourcing benefits administration to a third-party vendor.

Claims Administration

Effective Claims Administration can significantly reduce the impact and frequency of claims on your business. Our team provides comprehensive claims management services that encompass the processing and submission of claims, benchmarking against industry standards, financial risk assessments, and evaluating settlement options. Our strategic support allows you to focus on running your business, while we ensure your claims are managed efficiently and effectively.

Communication

Effective Benefits Communication is crucial for your team's understanding and engagement. We simplify benefits complexity, providing customized and ongoing education. We create tailored strategies, from benefit booklets to digital media, aligning with your employee demographics for maximum resonance. Our comprehensive services ensure a well-rounded understanding of your benefits package.

Compliance Support

Compliance Support is your key to navigating complex regulations with ease. Our team, proficient in laws from healthcare reform to HIPAA, guides you through changes, provides timely updates, and assists with tasks like reporting. With regular webinars and a trove of resources, you stay informed and compliant. Our support enables you to focus more on running your business and less on regulatory burdens.

Employee Benefits Analytics

Our Employee Benefits Analytics service uses advanced data analysis to pinpoint cost drivers and gaps in your benefits plan. Offering personalized strategic insights, we aid in optimizing growth, reducing expenses, and addressing employee health needs. This data-driven approach refines decision-making, enhancing your benefits program's value and promoting a healthier, more satisfied workforce.

Human Resources Advisory

Our HR Advisory services offer expert guidance and strategic insights to improve HR efficiency and employee experience. By leveraging advanced HR technology, we streamline administrative tasks, enhance benefits administration, and offer real-time data insights. This integration of technology and expertise enables better decision-making and improved employee engagement, resulting in an optimized HR operation.

Pharmacy Benefits Management

Our Pharmacy Benefits Management service optimizes your company's pharmacy benefit plan, balancing cost and employee health. We partner with transparent managers, who negotiate with drug manufacturers to manage costs. Our diligent strategies free up your budget for preventive programs, enhance member satisfaction, and facilitate smarter benefits investments. This approach ensures your employees get the care they need while keeping expenses under control.

Population Health & Wellness

Our Population Health & Wellness service propels your workforce towards improved health. By identifying health risks and trends, we curate wellness strategies tailored to your organization. Our comprehensive approach not only fosters productivity and morale but significantly reduces healthcare costs, proving that a healthy workforce is integral to a thriving business. Engage with us to optimize your wellness investment and boost overall organizational wellbeing.

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Want to learn more? Chat with a representative.

Send us a message or connect with one of our benefits specialists to see out our team can help create a comprehensive benefits program tailored to your organization.

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