Our employee benefits department features licensed insurance experts, licensed financial advisors, and a certified public accountant (CPA). We offer independent and unbiased opinions with the goal of protecting your assets and maximizing your after tax return. Our comprehensive program will meet all of your needs.

Our services include:

• Complete benefit and cost analysis of your current product offering
• Analysis of prior claim reports - WNY benchmarking
• Recommendations based on population, claims experience, negotiated benefit levels, current offering, and classes of benefits
• Over 10 years experience in offering Preferred Provider Organization (PPO) , Point of Service (POS), Health Maintenance Organization (HMO), and Exclusive Provider Organization (EPO) products
• Prospective, retrospective, and minimum premium funding
• Flexible Spending Accounts (FSA)
• Health Spending Accounts (HSA)
• Group Dental, Group Life, Short Term Disability (STD), Statutory Disability (DBL), and Long Term Disability (LTD)
• Implementation of effective cost saving initiatives - worksite wellness programs, 1/2 tablet and trial generic pharmacy programs