“Guiding Individuals and Companies Through Times of Change”

Retirement PlansIndividual and Group Insurance - Medical, Dental, Vision, Disability, Life, Key Person, Buy-Sell, Long Term Care, Human Resources Planning Solutions,

Property and Casualty, Commercial and Professional Liability

Mosaic History

Mosaic Employee Benefits, LLC. Serving clients since 1986, incorporated in 2001.

Mosaic holds a national network providing a “One Stop Shop” for clients and their needs

With 50+ years of combined experience, Mosaic understands the intricacies involved in the benefits industry.

As Brokers, Mosaic advisors are not limited to what they can offer. At Mosaic we separate ourselves from the competition by providing the best quality, customization, and service based on the needs of each business owners unique situation.

Multiple Carriers offered:

Aetna Allied American General Anthem Assurant Health AUL Auto Owners Delta Dental EMC Erie Encompass Grange Guardian Humana ING John Hancock Lincoln Financial

Medical Mutual of Ohio MetLife Mutual of Omaha Nationwide New York Life One America Pekin PrimeStar Principal Progressive Prudential Safeco Standard United HealthCare UNUM VSP

**Additional Carriers Offered

ERC Health

Market Beating Group Rates

FREE Fitness Club Memberships

On-site Wellness Coaching

Integrated Health Management

Pharmacy Benefit Management

Advantage of a preferred risk pool

Multiple Plan Design Options Access to all major hospital systems

ERC Health-consistently and significantly beat the market relative to annual premium rate adjustments

-20 agencies in Ohio have the availability to offer ERC

< 50 Employees (Small business)

50+ Employees (Mid to Large Business)

*ERC Select - is an optional, patient centric medical program that will align employees with physicians that are focused on improving their health and wellness while reducing health care costs for ERC Health member organizations

ERC Health Academy

The ERC Health Academy is the health management component exclusive to ERC Health.

This is a direct, work-site health education and screening program.

program is designed to achieve both immediate and long-term savings through changing the awareness, attitudes - and ultimately, the health - of the employee population.

Through this convenient, personal approach, the employer's commitment to health and safety is clear and visible, adding to workplace morale and productivity.

Annual Health Day - open to enrolled employees, which includes a health risk appraisal, blood pressure, weight and body fat screening, BMI and a confidential health consultation

Health Education - includes monthly employer-ready health materials and a quarterly newsletter on health and wellness topics

Behavior change programs

Chamber Member - Discount

Member of your local Chamber? Is your group Medical plan with Anthem?

Groups with Anthem receive an additional 2-4% off their Medical premium as members of a Chamber

Premium Saver

The Disability Advantage

Potential Higher Benefit payout limits on Long Term Disability contracts for professionals needing to cover income $400k+

Illinois Mutual Lloyd’s of London Metropolitan Life insurance Company MetLife Mutual of Omaha Principal The Standard

Additional Services

Individual Online Quotes

Form Fire – unviversal online employer / group applications

Monthly / Quarterly Newsletters

Annual Benefit Reviews

Key Person / Buy-Sell / Individual Life Insurance PEP’s (Policy Enhancement Program)

developed in response to the changing life insurance environment. Over the past 10 years falling interest rates, advances in underwriting practices, lackluster stock market performance and other factors have affected the performance of many in-force policies. These policies may not be performing as expected and may not meet clients' original objectives.

Virtual Management Systems (VMS)

Groups 2 and above

VMS includes an integrated online Human Resources Support Center bringing fortune 500 HR management capabilities and efficiency to the small business world.

Employee Benefits Forms Policies and Procedures Employee Handbook Hidden Paycheck

www.govms.com Login: 1rmo demo21 Password: admin

HR 360

New Federal Poster Requirement for Employers Effective November 14, 2011

 The  (NLRB) has issued a final rule that will require

employers to notify employees of their rights under the National Labor Relations Act by posting a

notice as of November 14, 2011. The 11-by-17-inch notice is similar in content and design to a notice of NLRA rights that must be posted by

federal contractors under a Department of Labor rule.

Which employers are subject to the new posting requirement?

Private-sector employers whose workplaces fall under the National Labor Relations Act, including

both union and non-union workplaces, will be required to post the employee rights notice where other workplace notices are typically posted. Very small employers whose annual volume of business

is not large enough to have more than a slight effect on interstate commerce may not be required to comply with the posting requirement, including:

 Certain retail employers with gross annual volume of

business under $500,000;  Certain non-retail employers with direct or indirect annual

outflow (goods sold or services provided by the employer out of state) or inflow (goods or services

purchased by the employer from out of state) below $50,000; and 

Certain other small employers whose gross annual volume of business meets certain standards as

provided in the final rule (see pages 54047-54048).   

What information will be included in the notice to employees?

   

A compliment to VMS, HR 360 keeps our groups up to date and federally compliant with weekly updates and newsletters

www.HR360.com

Property and Casualty Insurance

Auto Insurance

Homeowners Insurance

Flood Insurance

Farmowners Insurance

Motorcycle Insurance

Boat Insurance

R.V. Insurance

Commercial Insurance

Umbrella Liability

Construction Bonds

Professional Liability

Hotel Insurance

Grocer Insurance

School Insurance

Products Offered

Eric M. O’Brien

7650 Rivers Edge Drive

Columbus, Ohio 43235

614.431.4309

614.431.4305 (fax)

www.mosaicemployeebenefits.com