Propel Insurance : Employee Benefits

In a competitive marketplace, an attractive employee benefits package can give you a huge advantage in recruiting and retaining the best employees. Plus it can keep your organization vital over the long-term. Let our experts design a benefits solution that does the job.

We provide employee benefits solutions to hundreds of organizations in a broad spectrum of industries — construction, banking, education, senior living and manufacturing to name just a few. And as different as these organizations are, each has a unique story. It’s our job to know that story, inside and out.

By working with you to understand your business and where you’d like to take it, we can design a benefits plan that attracts the best employees, keeps your existing staff motivated and satisfied, and prepares your company to remain vital in the event a key employee leaves.

Of course, an organization’s past is equally as important as its future goals. Together with our onsite in house underwriters, our experts take an in-depth look at how employees have been utilizing their benefits. For example, have prescription costs been unusually high? Are employees taking more sick days than normal? We seek the information that guides us in designing a plan with fresh ideas to take good care of your employees — as well as your company’s bottom line.

In addition to consulting and plan design services, we also provide assistance in pricing and administering programs.

Propel offers a wide variety of individual and group plans to meet your needs:

Employee Benefits

Medical
Dental
Life/AD&D
Disability
Special Risk
Voluntary Plans
Section 125 Cafeteria Plans
Self-Insured Plans
Employee Assistance Programs
Employee Communications

Life Insurance

Personal
Key Person
Buy-Sell
Estate Planning
Business Continuation

Disability Income

Personal
Key Person
Buy-Sell
Business Overhead
Salary Continuation
Long-Term

Other Individual Plans

Medical
Dental
Long-Term Care

Special Services

To enhance your benefits plan, we offer a range of specialized services, including:

Healthcare Compass™ - Our customized analysis can determine whether your current coverage is considered affordable under new laws, and if it provides the minimum benefit value required.
Review and analysis of your existing programs for cost-effectiveness
Securing of bids from insurance carriers and plan administrators
Communications support for your employees
Online Employee Communications
Summary of your benefits
Advice on employer contributions and employee participation
Information on the impact of government regulations
Self-insurance analysis and recommendations
Guidance on your ongoing COBRA compliance responsibilities
COBRA Administration
Section 125 cafeteria plans (FSAs)
Health savings accounts (HSAs)
Health care reimbursement accounts (HRAs)
Wellness Programs
Billing and eligibility

Wondering if you’ve got the right insurance solution? Here are some questions to ask yourself (and your broker).

In addition to representing us in the insurance marketplace, what else should I expect of my Employee Benefits broker?
In what ways does (and doesn't) my Employee Benefits strategy align with my business strategy?
To what extent am I using my Employee Benefits program as a leverage point to drive improved health, increased productivity and therefore, higher profits?

Do I fully understand and am I in a position of control over the important elements of my Employee Benefits programs?
On a scale of 1-10, to what extent do my employees understand and appreciate the Employee Benefits program and view it as part of compensation?

Want answers? We’re here.

We provide employee benefits solutions to a broad spectrum of industries, including the following:

Construction
Banking
Education
Senior Living
Manufacturing

Healthcare Reform and the Affordable Care Act