Developing a long-term, sustainable strategy regarding employee benefits is imperative in today’s economy. The cost of providing benefits continues to rise, and employee morale is measured in part based on the quality of benefits offered. Many employers struggle to balance employee needs with their own bottom lines. Helping to meet these divergent needs is HM’s specialty. As your Consultant, we will complete an in-depth analysis and obtain quotes from strategic insurance markets. We believe our value comes from our leverage of relationships with preferred carriers.

But obtaining competitive quotes for coverage and handling claims problems is only a small part of what you should expect from your insurance and employee benefit advisers. We go much farther by providing quality services throughout the year. Below are three of the key differentiators that we offer our clients.

Legal
HM monitors all benefit legislation through our Legal Research and Compliance attorney. Weekly meetings are held with our Benefits Department to discuss legal developments and changes. As a result, our account management teams are well-versed in Health Care Reform developments, interpretations, and compliance solutions. This structure also allows us to provide our clients with answers to their compliance challenges in an efficient and cost-effective way.

For complex compliance challenges, we have strategic partnerships with some of the top legal firms in the area to provide us with assistance. We have active memberships with Employee Benefits Institute of America (EBIA), the St. Louis Association of Health Underwriters, the Missouri Association of Underwriters and the National Association of Underwriters.

Human Resources
HR Consulting services are available to clients through our HR Consulting practice. Typical projects include: Employee Handbook Review, Onboarding, 360 Reviews, Hiring Assistance and Employee Education on a variety of topics.

Benefit Administration Technology
HM believes in leveraging technology to drive efficiencies and ultimately reduce costs. Our preferred relationships will reduce administrative burdens while guaranteeing compliance with the complexities surrounding the Affordable Care Act.

Please contact Bill Pohlman if you have any questions.

Bill Pohlman
(314) 746-4711
bpohlman@hmbenefits.com

Employee Benefits Information

Actuarial Services

We handle many of our client’s financial needs in house. However, with other larger clients, we have employed the services of leading actuarial firms to assist with calculations critical to your employee benefit plan. To learn more about Actuarial Services, click here.

Benchmarking

Our benchmarking data provides you a standard to which you can compare your benefit programs. To learn more about Benchmarking, click here.

Compliance (ERISA)

Our expert team will help ensure that your organization is meeting compliance obligations. To learn more about Compliance (ERISA), click here.

Data Analysis

With leading-edge technology, HM will obtain meaningful information that helps us evaluate cost, trends, and savings opportunities. To learn more about Data Analysis, click here.

Employee Communications

Employers need to keep abreast of constantly changing trends, laws, and other regulations. To learn more about Employee Communications, click here.

Enrollment Services

HM has developed a strong partnership with three On-line Benefit and Communication companies, as well as our strategic partnership with Zywave, to assist with implementation and ongoing administration at little to no cost. To learn more about Enrollment Services, click here.

Employee Benefits Consulting