Employee Benefits: Building a Competitive Benefits Program
The role of the benefits broker has changed, and insurance products are now just one tool used to manage risk. Changing economic trends have impacted communication strategies and tools. And there is an increasingly heightened focus on regulatory risk management due to ACA requirements.
With our expertise and proactive benefit cost management, we fill gaps created by rising demands in compliance, administration, communication, wellness, disease management, and technology. We are not just brokers of insurance. We go beyond premium and claim costs and act as advisors and strategic partners to help you attract and retain the best employees.
Employee Benefits News
This year, much of the United States had some form of major natural disaster—hurricanes, wildfires, floods, tornados—and millions of people were either directly affected, or had a family member or close friend who was affected. This life-changing disruption often meant that people couldn’t, or weren’t able to, go to work.
Social Security numbers (or SSNs) used to be tied just to your Social Security benefits. Now, that number is tied to just about everything used to identify you.
Millions of Americans struggle with mental health and substance use (alcohol or drug) conditions, but often don't get the proper treatment or support they need.
United Benefit Advisors Welcomes New Ireland Partner Firm Glennon Employee Benefits & Financial Planning
Glennon has been delivering independent, professional, creative and competitive insurance and risk management solutions for more than 60 years.
UBA Benefits News
While many people are trying to include more fruits and veggies in their diets, most of us could probably do better — in fact, most of us should probably eat twice what we’re currently eating.
As 2018 wraps up and we move into 2019, we wanted to recap some of the most popular posts we shared this year.
The end of the open enrollment season is in sight, and human resource professionals are breathing a sigh of relief as they close the door on the 2019 enrollment. Smart benefit managers are already beginning to assess new products and services for the next enrollment season and looking at how to improve their programs and processes.
The top three workforce generations are Baby Boomers, Generation Xers and Millennials. These generations range from being born in 1946–1996, which is a 50-year difference from the first Baby Boomer to the last Millennial. Even with the large age gap, all of these individuals have a very similar concern—the loss of income if they are unable to work due to a disabling event such as an injury or illness.
Trying to decide which of the many employer-sponsored benefits out there to offer employees can leave an employer feeling lost in a confusing bowl of alphabet soup—HSA? FSA? DCAP? HRA? What does it mean if a benefit is “limited” or “post-deductible”? Which one is use-it-or-lose-it? Which one has a rollover? What are the limits on each benefit?—and so on.
"On behalf of the Western Heavy Haul, Inc family of companies I would like to express my appreciation for the dedication, excellence and professionalism that the employee benefits department at K.P.D. Insurance provides our organization. We employ approximately 140 employees and the expense of employee benefits continues to be a challenge. However, the administration of the programs we offer has been made much simpler and has given our company a greater sense of value since we shifted our relationship to K.P.D. Kelsea Meier and her team have been amazing to work with. The best feature they have offered us, besides excellent renewal processes and quick and sensitive handling of our employees benefit needs, is with regard to compliance. Their team found several areas in our benefits program that needed to be reinforced and they also offered solutions to virtually every need we had. Their teams are fun to work with. The details of benefit programs can be exhausting and it is great to work with a professional partner that also truly enjoys helping us help our employees. We are proud to have them on our side."- Dean Noyes, HR Director, Western Heavy Haul, Inc.
“I have been working with KPD for almost two decades now and have stayed with them because of their outstanding customer service, guidance, and vast knowledge in the ever-changing world of benefits. KPD, but particularly Debbie Brailsford and her support group, are an integral partner for EPIC. I always know that they will go above and beyond for me and my staff by providing us with the best benefit solutions for our group. I have recommended KPD several times to other HR professionals and will continue to do so as often as I am provided the opportunity.”- Roberta Kellis, HR Administrator, Educational Policy Improvement Center
“The entire KPD team is extremely responsive, always going above and beyond in a very professional and friendly manner. We highly recommend KPD without hesitation for all your insurance needs.”- Jennifer Littrell, Payroll & Benefits Coordinator, ElderHealth & Living
“Douglas County Forest Products views KPD Insurance as a business partner, offering solutions to the full spectrum of our insurance needs.”- Mick Baranko, Douglas County Forest Products
“As Director of the Employee Benefits Department, I strongly believe you will not find a group of professionals more dedicated, knowledgeable, and service-oriented than our Employee Benefits team at KPD. Our mission is to partner with you to create a clear strategic benefit program that uniquely matches your needs. We are committed to being an advocate for both you and your employees.”
Employee Benefits Director