Employee Benefits

Employee benefits, and particularly health, life, disability and retirement benefits are unlike anything else employers purchase and manage. Benefit plans not only have a direct and often profound effect on the lives of employees and their families, they make a significant statement about the philosophy and culture of every organization. That is why EmSpring is committed to helping employer and association clients take care of their most important asset – their people!

Independent Broker Services
Group Insurance - small and large employers, trusts and associations
Medical
Dental
Life
Disability
Voluntary Benefits
Pharmacy Benefit Management - aggressive prescription contract pricing
Mail order and retail pharmacy benefits
Executive Benefit Carve-Outs
Wellness Programs
Employee Assistance Programs
Flexible Benefit Plans
Cafeteria Plans - all types
Self-Funding and Alternative Funding Arrangements

Human Resource Management
Benefits Administration Services
HR Technology purchase, install, training and maintenance services
Employee and Executive Benefit Communication programs
Benefit Statements
On-line Enrollment Programs
Consolidated Billing Services
COBRA and HIPAA Compliance
Reporting
Customized Claims Experience Reports
5500 Preparation Assistance

Financial Services
Individual Insurance
Medicare supplement policies
Life and Disability
Retirement Plans and Deferred Compensation
Profit Sharing and 401(k) Plans
Pension Plans
Buy - Sell Arrangements
Disability Buy - Outs
Key - Person Insurance