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.
How We Do It
Where It Belongs
Instead of paying a middleman, Employees First's first-to-market solution provides a legal and ethical means of returning the profit margins from popular benefit options back to the employees’ benefits.
Making It Easy
We're disrupting the market, not your trusted advisor relationships. Although we do not replace broker or consulting relationships, our comprehensive solution addresses every aspect of the program, from start to finish.
Nothing Is Hidden
We charge a responsible, fixed-fee that is transparent to employers, which is directly in line with supporting the employer as the Plan Fiduciary, while improving plan value via enhancements or additions to the Total Rewards program.
See how the program works
Overview in 60 seconds
As simple as A B C
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.
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.
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.