Group Benefits

ASG sets itself apart from the competition as we are leaders in customer service both for the employer and  employee.

For the Employer:

We become an extension of our client’s Human Resources Department thereby removing the task of ever having to contact the insurance carrier yourself. As your broker, not only do we handle all questions and issues regarding the actual benefit plans, but we also assist in making sure our clients are in compliance with the constantly changing laws, such as COBRA, HIPAA, and ERISA.

Additional services include:

• COBRA Administration
• Combined Billing Administration
• New Hire Booklets (providing a clear explanation of benefits)
• Customized Employee Communications
• Filling of year end forms (DOL & 5500)
• Summary Plan Documents – Erisa Legal Consultation (ERISA attorney on retention)
• Health and Welfare Plan summaries (required)
• On-line enrollment and change capabilities

For the Employee:

When employees hit a snag utilizing their insurance, two things happen: 1) they lose confidence in their benefits and, by association, their employer and 2) they take steps to fix the problem, which involves calling carriers when they are available and often while the employee is at work. This drains productivity and is burdensome for all. Our account managers resolve all benefit issues by encouraging employees to call ASG directly. Most issues are administrative and handled swiftly through our Client Services Managers. When issues need to be addressed with the carriers, then ASG will make that call on the employees’ behalf. Resolutions are reported back to the employee. Whether it is billing, referrals, general questions, COBRA issues, we want employees to use ASG as its sole resource.

We have clients in Technology, Construction, Manufacturing, Water Agencies, Property Management, Restaurants, Nonprofits, Associations as well as many other industries. Our clients range from 2 to 700 employees.

In addition to benefits we can consult with clients on multiple Federal and State laws effecting benefits, human resource issues, as well as manage qualified and non-qualified retirement plans.

Employee Benefits

• Group Health (both insured and self-funded)
• Group Life Insurance
• Group Short and Long Term Disability
• Group Vision
• Group Dental
• Section 125 (Cafeteria) Plans
• Voluntary Products
• Group Long Term Care Plans
• 401(k) Retirement Plans
• Profit Sharing Plans

Our firm represents employers of all sizes, including Small Group (defined as 2 to 50 employees) and Large Group (those with 51 or more employees).

Individual Plans

• Individual Health

• Individual Dental

• Individual Long Term Care

• Individual Life and Disability

If you or someone in your firm is interested in specialized individual products we are able to refer you to the appropriate specialist and coordinate the project to mesh with your group coverage.