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For employers

Group Benefits

Employee benefits planning for employers who want coverage, cost control, and clarity.

Group benefits can help employers attract and retain people, but renewal costs need active management. We help structure insured and self-insured options around the size and claims pattern of the business.

Cost Drivers

Renewal and claims-cost factors

Explore cost drivers

Self-Insured Benefits

Predictable claims and stop-loss protection

Explore self-insurance
Why benefit costs rise

Employee benefit costs can rise because of insurer consolidation, shareholder return requirements, drug cost inflation, claims experience, and utilization factors used in renewal pricing. We help employers understand which cost drivers are affecting their plan and what options may be available.

Option

Self-Insured Benefits Program

Self-insurance can reduce costs on benefits with more predictable claims experience, while catastrophic or pooled risks remain insured.

  • Best suited to predictable benefits such as health, dental, and weekly indemnity
  • Stop-loss protection can limit catastrophic exposure
  • Online reporting and administration can improve visibility
More detail

Self-insurance, also known as self-funding, allows an employer to set aside monthly contributions and have eligible claims paid from that pool, along with administrative expenses. Core benefits such as life insurance, AD&D, and other pooled risks can remain insured through major insurance companies.

Through A.M. Burgoyne Insurance Associates Inc. and our third-party administrator, we can offer self-insurance and pooled insured coverage without placing unnecessary risk onto the employer. The transition can be seamless for employees while giving employers better reporting and cost visibility.

Let's start a conversation.

A 30-minute consultation — at no cost — is often all it takes to identify meaningful gaps or opportunities in your current plan.

Book a consultation