Services and Capabilities Broker Client Disconnect

Services and Capabilities

Broker – Client Disconnect Every broker says they provide: • Great people • Great service • Industry expertise We surveyed 5, 500 employers and found a disconnect: They expect those things from brokers and much more: • Legislative updates • HR support • Wellness • Employee communications • Resource portals • Health claims analysis Daines Insurance & Financial Services, LLP

Educational Resources & Employee Communications Daines Insurance & Financial Services, LLP

Would you bet your business that you’re fully in compliance with all the regulations you should be? Do you meet all of the requirements of the Affordable Care Act (ACA)? Daines Insurance & Financial Services, LLP

• Daines Insurance & Financial Services, LLP Resource Library Legislative Compliance – Updates & Context • • Daines Insurance & Financial Services, LLP ACA FMLA COBRA HIPAA Medicare ADA EEOC And more

Daines Insurance & Financial Services, LLP Resource Library Health Care Reform - Calculators Daines Insurance & Financial Services, LLP

• Daines Insurance & Financial Services, LLP Resource Library Legislative Compliance - Employee Education Daines Insurance & Financial Services, LLP

Daines Insurance & Financial Services, LLP Resource Library Employee Benefits and HR education HR support & education, including: • • • Daines Insurance & Financial Services, LLP Recruiting, hiring and firing Voluntary benefits Training programs Employee relations issues Managing health care costs Workplace compliance and regulations Open enrollment Plan design Benefits and HR trends

Do you know how your benefits compare to other employers in your region and industry? Daines Insurance & Financial Services, LLP

Daines Insurance & Financial Services, LLP Resource Library Employee Benefits – Benchmarking Surveys • • • Affordable Care Act Health Plan Benchmarks Broker Services Employee Benefits Wellness Benefits Paid Time Off Benefits Thousands of employers surveyed annually Daines Insurance & Financial Services, LLP

Are you confident that your employees understand their benefits? Daines Insurance & Financial Services, LLP

Daines Insurance & Financial Services, LLP Resource Library Employee Benefits – Benefits Communications Daines Insurance & Financial Services, LLP

Is your HR department overwhelmed? Daines Insurance & Financial Services, LLP

Daines Insurance & Financial Services, LLP Resource Library Human Resources – HR Tools Daines Insurance & Financial Services, LLP

Do you currently have a wellness program or are you interested in starting one? How does your current broker support these needs? Daines Insurance & Financial Services, LLP

Daines Insurance & Financial Services, LLP Resource Library Human Resources – Workplace Wellness • Educational articles to get started • Comprehensive wellness program • Employee communications (flyers, posters, emails, etc. ) • Employee newsletters Daines Insurance & Financial Services, LLP

Where do you turn when you have a compliance question or need a resource fast? Daines Insurance & Financial Services, LLP

Take Control of Compliance Daines Insurance & Financial Services, LLP

Start With Policy & Form Templates Find a wide range of HR forms and model notices on topics including FMLA, COBRA, HIPAA, health care reform and more. Daines Insurance & Financial Services, LLP

Simplify Open Enrollment • Everything you need to manage open enrollment start to finish • Educational articles for you; posters, articles, newsletters and more for employees Daines Insurance & Financial Services, LLP

Manage Health Care Costs with Claims Analysis Daines Insurance & Financial Services, LLP ©

Do you know how your group’s health claims costs compare to national norms? Do you know where specifically your costs are higher than normal? Daines Insurance & Financial Services, LLP

Do you know who is using out-ofnetwork vs. in-network, costing you more money? Or how many people are using the ER inappropriately, or choosing brand over generics, or not getting the recommended preventive services…? Daines Insurance & Financial Services, LLP

Manage Costs with Health Plan Consulting Daines Insurance & Financial Services, LLP © 2012

Benefits Plan Consulting At Daines Insurance & Financial Services, LLP, we see a simplified way to approach the benefits plan design process: • Benchmark plan costs • Model plan design changes • Estimate renewal costs • Streamline plan selection for your employees Daines Insurance & Financial Services, LLP

Do you know how your health and Rx claims compare to national norm data? Daines Insurance & Financial Services, LLP

Compare your plan Daines Insurance & Financial Services, LLP

Are you confident that your current broker is negotiating the lowest possible rate for you? Daines Insurance & Financial Services, LLP

Get the best cost based on hard data • We can negotiate the best rate by calculating your expected renewal costs • Also allows you to budget for next year Daines Insurance & Financial Services, LLP

How do you measure the impact of potential plan design changes before you make them? Daines Insurance & Financial Services, LLP

See the impact of a plan change • Model potential alternative plan designs • Analyze the impact of changes before you make decisions Daines Insurance & Financial Services, LLP

How are you helping employees make educated open enrollment decisions? Daines Insurance & Financial Services, LLP

Support employee decision-making • Promote employee consumerism & help employees make educated decisions • Employees input their information and expected health needs Daines Insurance & Financial Services, LLP

Support employee decision-making • The tool provides a recommended plan based on total employee expenses Daines Insurance & Financial Services, LLP

Do you know how your plan design compares to employers in your region and industry? Daines Insurance & Financial Services, LLP

Benchmark your plan design • Compare your plan design against like employers • Ensure you are offering a competitive plan Daines Insurance & Financial Services, LLP

Streamline HR Tasks with Employee Portal Daines Insurance & Financial Services, LLP

How are you currently onboarding new employees? Daines Insurance & Financial Services, LLP

Human Resources Information Provide easy employee access to HR information such as policies, training and job postings Daines Insurance & Financial Services, LLP

Company Information House important company information in one central location Daines Insurance & Financial Services, LLP

Is your HR department overwhelmed? Daines Insurance & Financial Services, LLP

Employee Information Manage employee information, life events and time off tracking all online with ease Daines Insurance & Financial Services, LLP

How is your current broker supporting you during enrollment? Is it a stressful process currently? Daines Insurance & Financial Services, LLP

Benefit Plans & Elections Daines Insurance & Financial Services, LLP

Mobile Access Employees can access the following via a mobile or tablet device: ü A searchable employee directory ü Request, manage and review time off ü Benefit plan information, including current elections, plan details and more Daines Insurance & Financial Services, LLP

Partner with Daines Insurance & Financial Services, LLP MORE THAN JUST A BROKER: YOUR NEW BUSINESS ADVISOR