C & A Brokerage Services Presentation
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Transcript of C & A Brokerage Services Presentation
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C&A Brokerage Services
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American Fidelity Assurance Company
We Believe • Benefit design and delivery should
be simple
• Employee benefits and services should provide added value
• Controlling costs is important
• Customer Service is Key
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American Fidelity Assurance Company
What We Do• Specialize in offering benefits and
services for employer groups and employees
• Provide services to help employers and employees save money
• Offer supplemental insurance benefits
• Make benefit utilization simple
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American Fidelity Assurance Company
How We Do It• Niche Market Focus
• Local Salaried, Career Account Managers
• Top Quality Customer Service
• Financial Strength1
1 www.ambest.com/consumers (April 3, 2012) (A+ is the 2nd out of 16 with 1 being the highest)
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Expense Management Services
‐ Section 125 Plans
‐ Flexible Spending Accounts (FSA)
‐ Health Savings Accounts (HSA)
‐ Health Reimbursement Arrangements (HRA)
‐ Pre-Tax Transportation Benefits
Some of our products and services may be provided by third party contractors or affiliated companies.Services listed may not be available in all states.
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Expense Management Services
Section 125 Plans• 25 year history with over 7,500
Plans
• Year-round assistance including plan setup, employee education, and enrollment
• Compliance support team with hotline and VIP Email notifications
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Expense Management Services
Flexible Spending Accounts• Employee and employer tax savings
• Uniform Coverage Risk Insurance Plan
• Complimentary debit card and direct deposit
• Online claim submission and mobile app – coming soon!
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Expense Management Services
Health Savings Accounts• Triple tax-savings advantage
• Convenient, secure online system
• Mutual fund options available
• Employee education and enrollment support
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Expense Management Services
Health Reimbursement Arrangements• Employers have greater control of
their benefit dollars
• Multiple, customizable plan choices
• Flexible plan funding
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Expense Management Services
Pre-Tax Transportation Benefits• Pre-tax assistance with commuting
expenses
• Easy-to-use online portal for employees
• Home delivery of mass transit vouchers or prepaid commuter check card
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Employee Benefits
Built with the Employee in Mind• Diverse portfolio of voluntary benefits
• Complements existing employer core benefits
• Ease of enrollment and simplified underwriting
• Communication materials available in Spanish and English
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Employee Benefits
• Disability Income Insurance* • Accident Only Insurance*+ • Cancer Insurance*+ • Life Insurance*,** • Critical Illness Insurance*+ • Core Benefits
* These products may contain limitations, exclusions and waiting periods. **Not generally qualified benefits under Section 125 plans. +This
product is inappropriate for people who are eligible for Medicaid coverage. The company reserves the right to change premium rates by
class. For individual tax advice, please consult your tax advisor. Benefits listed may not be available in all states.
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Employer Administrative & Support Services
Helping Design, Deliver And Manage Your Benefits Program• Create a Customized Benefit Program
• Educate employees while handling entire benefit enrollment
• Save time, simplify administration and identify possible savings
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Employer Administrative & Support Services
‐ Dependent Verification Reviews
‐ COBRA Administration
‐ Nondiscrimination Testing
‐ Health Care Reform
‐ Online Administrative Tools
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Some of our products and services may be provided by third party contractors or affiliated companies.Services listed may not be available in all states.
Employer Administrative & Support Services
Dependent Verification Reviews• Lower claim cost potential
• Help ensure plan resources benefit those the plan intended to cover
• Secure, visual third-party inspection
• One-on-one sessions take place on-site
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Employer Administrative & Support Services
COBRA Administration• Limit risk exposure
• Neutral third party administration
• Employee notifications, billing and premium remittance to carriers
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Employer Administrative & Support Services
Nondiscrimination Testing• Helps ensure benefit plans are
compliant with federal rules
• Secured Online Service Center to upload data and perform testing
• Year round monitoring availability
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Employer Administrative & Support Services
Health Care Reform Support• Educate employers on developing
law
• Communicate plan changes to employees
• Assist with implementation and ongoing compliance
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Employer Administrative & Support Services
Health Care Reform Support, Cont.
• Educational materials during one -on-one individual consultations
• Robust website (HCReducation.com)
• VIP employer email alerts covering developing law and upcoming deadlines
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Employer Administrative & Support Services
Online Administrative Tools• Secure administration website for
employers
• Convenient access to program support tools, including online billing
• Safe, fast, and secure method to reconcile payments and access information
• Administrative guide, videos and other resources to help manage plans
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Enrollment Solutions
Year Round Service Commitment• Pre-enrollment planning
• Employee education and benefit booklets
• One-on-one employee enrollments
• Post-enrollment review
• New hire enrollmentsESB-2013-0113
Enrollment Solutions
Full Benefits Enrollment• Availability to enroll core benefits
during one-on-one benefit review
• Single enrollment meeting for employee
• Coordination with Health Plan Provider to incorporate their application process
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Enrollment Solutions
Enrollment Platform• Automated data uploads ensure
fast transfer of benefits and billing information
• Benefit elections are recorded directly into system, eliminating manual data entry
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Compliance Support
Let American Fidelity Help• Employee benefit administration comes
with a multitude of requirements
• 30 year history rooted in understanding and implementing tax-favored plans
• Provide the support necessary to ensure customers remain compliant with current law
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Compliance Support
‐ Plan Documentation‐ Nondiscrimination Testing‐ Plan Communication‐ Claims Adjudication‐ Compliance Monitoring and
Communication Resources‐ Tax Reporting Assistance
* American Fidelity does not provide legal or tax advice. We recommend you work with your counsel to ensure your plan’s compliance.
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Customer Experience
A Company Built on Service• We understand employers have a choice
when selecting a benefit provider
• We work hard to ensure every customer experience is a positive one
• We are dedicated to supporting employers and employees
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Customer Experience
Ease of Claim Submission‐ Mail/Fax
‐ Online service center claim submission
‐ Mobile App
Ease of Reimbursement‐ Debit card
‐ Direct deposit
‐ One complimentary reimbursement check per year
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Customer Experience
‐ Secured Online Service Center
‐ Helpful Online Resources
‐ Customer Service Support
‐ Electronic Policy Access
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Jennifer Fetherston2000 Classen Blvd, Oklahoma City, OK 73106800-450-3506, Ext [email protected]