Group Benefits: Our Process

Departments | Capabilities | Process | Case Studies

Herbruck Alder begins with an assessment of our clients’ needs and goals. With that insight, we design customized benefit plans and provide essential support for successful plan operation. Our goal is to make sure our clients and their employees receive full value for their benefit dollars.

Plan Analysis and Design

Review existing plans and develop coverage alternatives aimed at maximizing an employer’s financial expenditure while remaining competitive within an industry or region.
Evaluate current plan funding method and review advantages and disadvantages of available plan financing alternatives.
Gather data and create concise specifications for a Request for Proposal (RFP) with supporting materials that will enable a carrier to understand the coverage parameters and properly assess the risk.
Analyze RFP results, review original client objectives, formulate summary conclusions with supporting facts and documentation and recommend a sequential course of action.

Plan Implementation

Negotiate with selected carriers to finalize cost structure and coverage details and identify solutions for any outstanding transition issues.
Conduct employee meetings to explain the benefit plans with visual, auditory and written aids.
Develop written materials that explain the program in a manner that is understood by all levels of employees.

Client Support

Assign internal service team with common knowledge of a particular client and dedication to all facets of ongoing service.
Continuously review claims and provide periodic consultation regarding costs and issues that affect a client and its employees.
Analyze carrier reports detailing utilization of dollars and services provided under a plan.
Secure the most favorable renewal terms by serving as intermediary between client, current carrier and the general market place.

Administrative Services

Provide compliance consulting to support client understanding of various regulations and assist in developing policies, procedures and vendor relationships to properly manage the requirements.
Act as an outsource benefits department performing certain administrative functions related to the management of benefit plans based on client requirements.

Assess Web-Based administrative solutions which allow clients to manage data and information at a single point of entry in order to reduce the manual labor and redundant activity involved with managing benefit plans.