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Employee Benefits

• Wellness
• Short and Long-Term Disability
• Life and Accidental Death & Dismemberment
• Long Term Care
• Health Savings Accounts (HSA)
• Health Reimbursement Arrangements (HRA)
• Flexible Spending Accounts (FSA)

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Business Owner Benefits

• Qualified Retirement
• Selective Retirement
• Salary Continuation
• Succession Planning

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Individual Benefits

• Medical and Dental
• Life and Disability Income
• Long Term Care
• Medicare Supplement Plans
• Health Savings Accounts (HSA)

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Employee Benefits

• Wellness
• Short and Long-Term Disability
• Life and Accidental Death & Dismemberment
• Long Term Care
• Health Savings Accounts (HSA)
• Health Reimbursement Arrangements (HRA)
• Flexible Spending Accounts (FSA)

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Services

Client service is the foundation of Bernie Lowe & Associates' longevity. Our approach to managing benefit plans goes far beyond routine comparisons of insurance policies or administrative services. BLA's service objective is simple: be an extension of the client's human resources department by handling the administraion of benefit plans and their service-related issues.

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Employee Communications

In addition to continual updating to your management team on new benefit offerings, issues, regulations, and trends, BLA offers a robust portfolio of employee communication techniques to ensure that your employees are receiving the service they deserve. 

Employee Implementation Meetings: BLA implements new benefit plans on-site, meeting with employees to explain benefits to ensure comprehension.

Enrollments/New Hires/Terminations: BLA handles all changes and correspondence with insurance carriers on client’s behalf.

Voluntary/Worksite Enrollment Meetings: BLA discusses benefit offering, benefit advantages and handles on-site enrollment process.

Toll-Free Number: Toll-free number to licensed agents for your employees to utilize with benefit questions, concerns, assistance, requests, and issues. 

24/7 Web Portal Access: For all members to all the employee benefits provided by the client, which includes links to all providers, contacts, forms, and FAQ's.

Assigned Account Executive

Employee Awareness Meetings

Newsletters

Seminars on Benefit and Regulatory Issues throughout the year

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Annual Marketing

Assistance in supplying cost affects on benefit changes, trends, and inflationary factors. Included can be assistance during negotiations for benefit presentations and/or questions, or full employee benefit negotiation, as requested by the client. 

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Union Negotiation Assistance

Having complete access to your benefit plans from census data which we build and maintain as well as claims information from the provider(s) allows us to take all of your group's benefit information and risk to the marketplace for quotation annually. BLA has an impressive list of direct contracts to insurance companies that further our ability to manage your time and costs.