Group Insurance Services

Health Insurance Review

We look for ways to help our clients. It's a process of finding answers to their questions and helping to analyze their present employee benefits direction. Our "Client First" commitment guarantees increased efficiency and maximized results.

An important part of a benefit review is formalizing a written comparison of health care insurance benefits and plan designs. The comparison sets the benchmarks and criteria for designing a health insurance package to insure a valuable enhancement in recruiting and retaining employees. The main function is to assist in the following areas: 

• Development of a written benefit comparison
• Compare plan designs - managed care, indemnity, self-insured options, etc.
• Selection of benefit programs
• Tailoring benefit plans to meet requirements
• Organize enrollment meetings and presentations to employees 

We Answer your Disability Questions

The definitions of disability, residual coverage, loss of income and occupational skills are inherently complicated. Social security, federal and state mandated benefits, add to the complexity of disability coverage.

The key element of any disability management strategy is plan integration. As independent professionals, The Spiro Group has the freedom to offer disability features that fit.

If you want answers to the questions below, Contact Spiro.

Questions

How do you apply partially worked days to the disability elimination period?

How many days may an employee return to work during the elimination period and still qualify?

What happens when an employee returns to work on a part time basis?

Is securing Social Security Disability income for the employee important? This benefit provides cost of living increases and Social Security retirement credits.

Have you coordinated with LTD and enhanced TDB to eliminate duplicate coverage and highly compensated reverse discrimination?

How does paying premium with after-tax dollars affect benefits?

How do you minimize the impact of disability on both the employee and employer?

Group Life Insurance

Not all group life insurance plans are alike. The Spiro Group looks for ways to maximize your benefits and reduce your cost.

Do you have the following benefits in your present group life plan? Before you choose a group life plan contact Spiro to compare.

1. Beneficiary Support

• Financial counseling at no additional cost

2. Portability

• Available on base plan and buy up
• Retiree eligibility
• No age limit
• Increased protection optional

3. Accelerated Death Benefit

4. Waiver of Premium

5. Security Account

6. Plan Packaged Discount

7. Accidental Death & Dismemberment (AD&D)

8. Turnkey Enrollment Support