Employee Benefits

At Loudoun Insurance Group, our overarching goal is to enhance the success of every client’s organization. Toward that end, the evaluation of every prospective client’s benefit program includes consultative services.

Our experience and knowledge of the industry is key to working with our clients to design, implement, and support your benefits program. Our partners and staff serve a wide range of individuals and corporations and are experts in the issues and market trends that impact our clients.

We offer a vast array of group benefits offerings and can tailor a solution designed specifically for each client’s needs--regardless of company size. Here are some of the group benefits offerings we can assist your company with:

• Medical, dental, and vision insurance
• Flexible spending accounts (FSA)
• Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA)
• Premium Only Plans (POP)
• Consumer-driven health plans
• Life insurance
• Short-term and long-term disability insurance
• Company-sponsored retirement plans and retirement planning
• Online enrollment systems and customized employee benefits websites
• COBRA administration and state continuation
• Employee assistance programs
• Employee total compensation statements
• HR and compliance services
• Payroll services

How We Work

Our philosophy in working with clients is unique, because we see the design and selection of an employee benefits strategy as the beginning of the process and not the end. We believe that once the employer’s concern for establishing a cost-effective and attractive plan has been met, it then becomes critically important to address the needs of the employees.

Management Objectives and Strategic Planning

• Review and clarification of corporate objective
• Analysis of existing plans relative to corporate objective
• Structure of new plans and /or revision of existing programs, including:
  • Plan design
  • Eligibility
  • Contribution formulas

Market Analysis

• Audit of premium and administrative fees charged
• Renewal review and negotiation
• Marketing review of insured line of coverage and administrative services, including:
  • Comparative analysis of quotes
  • Received/recommended actions
• Examination and comparison of funding alternatives
• Evaluation of delivery systems:
  • HMO, PPO, HSA, POS
  • Comparison of provider networks
  • Plan implementation/transition

Customer Service

• Account management team
• Ongoing review of plan performance
• Employee surveys
• Ongoing evaluation of legislative updates
• Assistance with open enrollment meetings
• Assistance with claim and service issues