The employee benefit planning process is constantly evolving and has become increasingly complex. It is difficult for decision makers to remain current with State and Federal legislation and aware of all new benefit strategies available in the marketplace. Kingston Life and Health partners with employers of all sizes to eliminate the guesswork and confusion associated with implementing competitive and affordable insurance solutions.

Benefit Evaluation and Strategic Planning

Evaluate various plan options and obtain insurance quotes

Optimize executive care-out enhanced benefits

Audit in-force certificates of coverage contracts

Develop overall plan designs and creative solutions

Engage employer in strategic discussions

Provide employee cost-sharing strategies

Collective Bargaining Benefit Strategy

Consult with management, before and during collective bargaining negotiations to develop strategic benefit approach and cost projections

Serve as employee benefit resource through bargaining sessions

Develop and conduct communications regarding benefits to union membership after negotiations

Provide on-going consulting to address "after the sale" benefits management and human capital issues

Budget Cost Control Services

Evaluate Insured and Self Insured options

Evaluate core benefits and provide enhanced voluntary buy-up options

Conduct review for employee benefit plan internal attributes

Create budget spreadsheet outlining annual costs

Create benefits analysis outlining benefit options

Identify areas of conflict and potential liabilities

Product Carrier Selection

Identify carrier specifications and initiate bidding process

Analyze carrier responses, plans and costs

Evaluate carriers, including network accessibility match

Negotiate with carriers and present options

Employee Enrollment

Manage employee enrollment process

Develop communication plan for open enrollment

Conduct face-to-face and webinar enrollment meetings

Produce announcement letters and benefit outline summaries

Build customized employer website with benefit communication material