What We Do
Employees First has uncovered a legal, ethical and administratively simple method to redirect surplus employee-paid dollars in voluntary benefits, back to the employees’ Total Rewards ...where the dollars belong.
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How We Do It
See how the program works
Overview in 60 seconds
As simple as A B C
A
No changes for employees
except for an increase in their plan value
It's the same fully insured plan, except with higher value. Employees pay the premium through payroll deduction, receive the policy from the carrier, and work directly with the carrier if they have a claim - exactly like traditional, fully insured plans.
B
No changes for employers
except for transparency over every penny
No change to the insurance carrier relationship or plan administration, including tech credits.
What does change? Employers now have the transparency, control and choice similar to self-funded plans - like they've never had with traditional, fully insured plans.
C
No changes to plan risk it's still fully insured with the carriers you know
The captive is the vehicle that allowes fully insured plan to operate like a self-funded plan. But, just like traditioanl fully insured plans, employers will never have to pay claims, even if the claim dollars exceed the premium dollars.