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General, plain-English explanations of how benefits typically work — not a substitute for advice about your specific plan.
Core benefits are the ones your company pays for, and every eligible employee gets by default — typically health insurance and a base amount of life insurance. Voluntary benefits are opt-in and usually employee-paid, like supplemental life or pet insurance. Most employers offer a mix of both.
Most benefits follow an annual open enrollment window, usually in the 30 days before your plan's renewal date. Outside that window, employees can typically only make changes after a qualifying life event — a marriage, a birth, or losing other coverage, for example.
Either. We can keep any carrier relationship that's working well and add or replace the ones that aren't. The goal is one point of contact for you, not necessarily one carrier for everything.
It's typically offered as a voluntary, payroll-deducted benefit with no direct cost to the employer. Employees opt in during enrollment and pay their premium through payroll, the same way they would for supplemental life insurance.
Most of our employer groups range from 50 to 2,000 employees. Group health insurance in particular has different underwriting rules below and above certain size thresholds, which we'll walk you through for your specific situation.
A traditional broker usually manages one relationship at a time — often just health insurance. We work across all four categories under one relationship, and we're upfront about how we're compensated across the carriers we work with.
They contact our support line instead of navigating a carrier's general customer service line. We track the issue and follow up directly with the carrier on the employee's behalf.
In some cases, yes — it depends on the carrier and category. Ask us about your specific situation during a consultation.
This page is intended as general information about how employee benefits typically work, and isn't legal, tax, or insurance advice for your specific plan. For decisions specific to your company, talk to us directly or to your own advisor.
Ask us directly — most questions are faster to answer in a five-minute call than in an FAQ.
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