more than just insurance
DESCRIPTION
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Presentation of ServicesPresentation of Services
100 Premium Way | P.O. Box 5002 | Alamosa, CO 81101 | Phone 719.589.3611 | Fax: 719.589.02425585 Erindale Drive Suite 107 | P.O. Box 26465 | Colorado Springs, CO 80918 | Phone 719.528.1884 | Fax 866.847.59737300 E. Arapahoe Road | Centennial, CO 80112 | Phone 888.528.1884 | www.cia-leavitt.com
We view our role as more than your insurance agent. As your business partner we are committed to building lasting relationships with both our clients and the insurance companies we represent. We do this by providing consistent quality service and by developing long-term solutions to manage your business and personal exposures.
CIA-Leavitt is a full service agency providing the strength and experience of a large national brokerage, yet the personal touch of a locally-owned independent insurance agency.
CIA-Leavitt Insurance Agency is a member of the Leavitt Group, the 14th largest insurance agency in the United States with over 115 locations to serve our clients needs. The Leavitt Group writes over $1.5 billion in insurance premiums annually. Our affiliation with the Leavitt Group provides us with the key management service, specialty products and insurance company access to create a more competitive and stable insurance environment for our clients.
CIA Leavitt Insurance Agency
Our team consists of insurance professionals with a wide range of expertise, many of whom are considered leaders in their respective fields. We foster in all our employees the need and drive to pursue education surpassing any requirements set forth by the Division of Insurance. We are confident in our insurance knowledge, and believe this is critical in providing our clients with successful risk management solutions.
Since our agency was founded in 1982, our focus on relationships of trust, industry knowledge, and a willingness to serve sets CIA-Leavitt Insurance Agency apart.
Choosing CIA-Leavitt Insurance Agency will assure you competitively priced insurance products, risk management solutions guidance from leaders in the industry and unparalleled service an attention.
We represent a variety of accounts, including commercial groups, associations, and governmental entities. This diversification of clientele gives us a unique market advantage.
We are committed to building life-long relationships with clients and insurance carriers by providing consistent and quality service. As a result, over the last decade our firm has a high client retention rate throughout the industry.
Our employees not only have broker expertise, but have vast experience working for carriers in the areas of management, sales, billing, underwriting, appeals committee and customer service.
We maintain elite status with all major insurance carriers. Our agency has an excellent relationship with each carrier, and we offer an unbiased point of view. As a trusted steward for our clients’ benefits, our goal is to work hard to continually meet your needs. We look forward to providing a competitive benefits package to you and your employees.
We broker the following products, which are offered on a fully insured or
partially / self-funded basis:
HEALTH
DEnTAL
VISIOn
CAFETERIA / FSA / SECTIOn 125
HEALTH REImBURSEmEnT ACCOUnTS
HEALTH SAVInGS ACCOUnTS
LIFE / AD&D
SHORT TERm DISABILITy
LOnG TERm DISABILITy
VOLUnTARy SUPPLEmEnTAL PRODUCTS
Our Advantage
We have assembled a team of professionals that will be extensively involved with your company. Our consulting and service team have a tremendous amount of experience and knowledge in the employee benefits industry and provide a well-balanced approach to benefit planning.
Consultant / Producer your producer has extensive experience in the group benefits industry and will coordinate the breadth of our benefits services and support personnel. In particular, your producer will assist you in the following areas:
Coordinate Client needs Fact finding and information gathering
Benefits Evaluation Plan design, employer contribution requirements, participation, cost, risk, network, client goals, carriers, products and services
negotiation Renewal rates, benefit designs, bids, decrements and other options
Underwriting methodologies Reports, renewal data, strategies, cost savings, market and industry trends
Creative Solutions Risk sharing, consumer engagement, wellness, communication and network review
Our Service Team
Account Manager
Our clients are assigned a full-time account manager, regardless of the company’s size. In addition to helping you understand your benefit plan(s), your Account manager can assist you with the following:
Employee Benefit Booklet Combined benefits in one source
Open Enrollment Coordination of meetings with carriers and vendors
Claim Resolution Assistance with complex and escalated claim issues
Billing Reconciliation Assistance Support for billing questions and issues
Employee Q&A meetings Educational meetings on benefits for employees
Wellness and Health Fairs Screening and health information
Employee Surveys Identify employee satisfaction of benefits package and other desired products
Set Up and Ongoing Support of Services
Benefits Value-Added Services Underwriting, COBRA Administration, Human Resources Services, Wellness and Online Services
Our Service Team
Administrative Support Staff
Request For Proposal Process Coordinate, fine tune and package data for carriers
Carrier and Product Knowledge Accurate benefit options for the individual needs of each group
Plan Comparison and Spreadsheets Information compiled into a concise format
Funding Comparisons Compare the impact of employer and employee cost
Dedicated Enrollment Assistance Emails or faxes information and confirms additions and terminations on group plans
Client Seminars Annual and bi-monthly relevant benefit seminars
Escalated Claim Support Our team will act as liaisons between the patient, the insurance carrier, and the provider
Our Service Team
We are built upon a tradition of integrity, industry leadership and excellence. We are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services and key based solutions.
We are proud to offer cutting edge value-added services. These in-house services are provided at no additional cost. Our value-added services are, in part, what sets us apart from other brokerages.
UnDERWRITInG Data driven negotiation
and decision making
COBRA / COLORADO ADmInISTRATIOn
Full management, liability and complete compliance
HUmAn RESOURCES SERVICES Experienced consulting, workshops
and ongoing support
WELLnESS Wellness programs, resources
and education
OnLInE SERVICES Benefits website, online tools
and electronic enrollment
COmPLEx CLAImS RESOLUTIOn Full assistance in reconciling
difficult claims
Value-Added Services
We have an aggressive approach to underwriting. By combining our underwriting department‘s expertise with our producers’ knowledge and carrier data, we are able to achieve the most desirable renewal.
We have identified a unique formula from data that carriers use to develop rates for groups. Each element of this formula provides us leverage in negotiation.
SmALL EmPLOyER (2 - 50 EmPLOyEES)
Preparation of underwriting packets•
Limited plan utilization review•
Comprehensive electronic application and •underwriting
Screening of health applications for accuracy•
Participation calculator, ensure compliance and •contribution
Employee class analysis and industry review •
LARGE EmPLOyER (ExPERIEnCE RATED)
Compilation of data into a management reporting tool•
Quarterly analysis and presentation of reports and •plan utilization
Recommended plan design and funding changes with •long term cost benefit
Package client information to aid in achieving the •most aggressive rate proposals
Plan and budget projections for future rating actions•
Review rating actions directly with carrier •underwriters to verify that rating information is accurate and fair
Underwriting
We provide complete COBRA administration. We enroll and maintain participants, track time frames, and collect and reimburse premiums.
Our team effectively and accurately manages the IRS mandated forms and language requirements. We become the intermediary between employers and COBRA participants.
This process ensures full COBRA compliance and peace of mind for the client.
Sample Notices Include:
GEnERAL nOTICE
QUALIFyInG EVEnT ELECTIOn nOTICE
COnVERSIOn nOTICE
PREmIUm BILLInG nOTIFICATIOn (InVOICES)
nOTICE OF DIVORCE
ExPIRATIOn nOTICE
nOTICE OF InSIGnIFICAnT PREmIUm
UnDERPAymEnT
nOTIFICATIOn OF PLAn CHAnGE AnD RATE
nOTIFICATIOn OF TERmInATIOn FOR nOnPAymEnT
Employer Reports:
mOnTHLy PREmIUm REPORT
REImBURSEmEnT CHECK
mOnTHLy TERmInATIOn REPORT
COBRA / Colorado Continuation
We offer a full spectrum of Human Resource services support. We recognize experience varies in each company’s Human Resource department. Therefore our services range from validating simple issues to resolving complex matters. The unbiased consulting we provide is responsive and available with unlimited access.
Discounted background checks and drug testing available
WORK SHOPSADA (Americans with Disabilities Act)
Effective Communication/Feedback
FLSA (Fair Labor Standards Act)
FMLA (Family and Medical Leave Act)
Hiring/Firing Guidelines
Sexual Harassment Awareness
Title VII (discrimination)
Leave of Absence
Union Advice
Workers Compensation
USERRA (Uniformed Services Employment and Reemployment Rights Act)
TEmPLATESEmployee Handbooks
Employee Opinion Surveys
Job Applications
Job Descriptions
Leave Request Forms
Severance Agreements
SUPPORT & TRAInInG24-Hour Phone Access
Timely Email Response
Weekly Newsletter
Performance Review Training
Job Description and Postings
Wage and Hour Issues
Job Application Review
I9 Compliance
Union Advice
Updated Human Resource Forms
Human Resources Services
Our wellness services include a wide range of resources, programs and support to assist clients with worksite wellness initiatives. most adults spend more of their waking hours at work than anywhere else, making it a prime venue for promoting healthful habits.
Importance of Worksite WellnessReduce absenteeism•Improve productivity and attendance•Control increasing health care costs•Improve employee morale and retention•Reduce injuries•
Through our experience, we have found the success of the wellness campaign depends on the communication and support of the management team. The result of this finding was the genesis of the wellness department and the implementation of the listed services.
*A fee may be associated with actual screening services.
COORDInATIOn OF CARRIER PROGRAmS AnD RESOURCES
EmPLOyER WORKSHOPS
WORKPLACE EVALUATIOnS
EmPLOyEE InTEREST SURVEyS
EVEnT SUPPORT (InCLUDInG HEALTH FAIRS)
PLAnnInG AnD COORDInATIOn OF BIOmETRIC
SCREEnInG SERVICES*
HEALTH EDUCATIOn mATERIALS, TIPS AnD nEWSLETTERS
Wellness
HRconnection is an easy-to-use employee website that serves as a custom company information and employee benefits expert. For employees, it provides 24-hour access to company and benefits information from any computer with internet access. For employers and human resources personnel, HRconnection increases productivity and cost savings by providing employee self-service and improving employee communication efforts.
HRconnection Helps EmployersComprehensive on-line enrollment •Communicate with employees and solve human •resources challenges Improve employee satisfaction•Save money •
HRconnection Helps Employees Instantly access up-to-date company and benefits •information and useful formsConnect to comprehensive human resources •information 24-hours-a-day, 7-days-a-weekLearn about career growth opportunities, job postings, •and training programs
HRconnection Helps Human ResourcesEfficiently showcase benefit programs to employees •and their familiesCommunicate important company information to all •employees in a consistent, timely and useful mannerAttract and retain valued employees by portraying a •high-quality image
HRconnection
myWave is your pass to a dynamic world of employee benefits and human resources tools and information. myWave is an Internet-based client center that gives you real-time access to our products and services.
MyWaveHRMyWaveHR provides access to articles covering a variety of topics, comprehensive legislative guides, HealthShop newsletters, and links to industry related websites.
Benchmark Surveys Allows you to determine how your plans and programs compare to other employers across the U.S.
MyWave CommunityShare information and resources via the community’s interactive forum, post questions to your peers, provide insight into other users’ questions, and track responses based on topics or individual questions.
Collaboration CenterOur two-way document posting capabilities allow a seamless exchange of information sharing and collaboration. You can download and share documents, make updates, and track a document’s history-simplifying updates to reports, worksheets, questionnaires and policies.
MyWave
Broker Comparison
Strength in Numbers
We are an affiliated agency of the Leavitt Group, which provides service to over 1,500 benefit clients throughout the West.
Insurance Carrier Relationships
We maintain an elite carrier status based on our overall premium and membership volume. This positions us in a unique, mutually respectful relationship between our carrier and clients.
Consultants/Producers
Our consultants/producers possess extensive experience and knowledge in the group benefits industry. Their primary focus is to coordinate our value-added services with our support personnel and to implement dynamic plan design solutions resulting in superior client satisfaction.
Annual Review Combining our unique and aggressive approach to carrier negotiations with our underwriting methodologies, we work closely with our clients to provide creative cost-saving solutions.
Innovative Plan Designs
Our creative approach to benefit plan design has proven to be successful for long-term employer solutions.
Account Managers
We have gleaned the industry’s top service account managers to coordinate each client’s enrollment meetings, employee communications, complex claim resolution, and all our value-added services. They provide invaluable support to human resource and benefits professionals.
Employee Benefit Communications
We provide a variety of communication tools including benefit books, CDs, DVDs, andweb access that will educate employees and their dependants on their benefits package. Thesecontribute a valuable resource to employees at open enrollment and throughout the plan year.
Spanish Translation
We have access to effective industry professionals who are a direct contact for Spanish speaking employees and can assist with open enrollment, claims resolution and day-to-day questions.
Employee Training/Seminars
We host a variety of seminars throughout the year, in addition to a full day annual seminar, covering diversified topics relating to benefits and human resources responsibilities and compliance.
UnderwritingOur experienced in-house underwriting department provides our clients with customized reports and analysis. They will verify that rating information from the carrier is accurate and fair and will suggest alternative financial solutions.
Reporting Capabilities
For large groups, carriers will supply monthly utilization reports. We compile the reports in a concise format to help us recognize utilization trends and offer benefit insights.
COBRA Administration
We provide complete in-house COBRA administration. We enroll and maintain participants, track time frames, and collect and reimburse premiums.
Human Resource Services
We offer Human Resource consulting services to enhance and support our clients’ management responsibilities. These in-house services include compliance audit, employee handbook review, human resource trainings and seminars and performance review training.
Wellness Our in-house wellness department connects our clients to programs and resources, and also provides services to support their worksite wellness initiative.
HRconnectionWe offer our clients access to a customized employee website. This site can assist a human resource manager with open enrollment as well as communicate human resource and benefits information to employees and their families.
MyWaveThis web-based client center assists our clients with the dynamic world of insurance and employee benefits by offering them real time access to us as well as to an online library of benefits and human resource documents.
Compensation Statements
We will provide our clients’ employees with a customized statement illustrating each employee’s true annual income by detailing the amounts the employer contributes toward each employee’s benefits.
Our Services
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