A fully insured group life, health, dental, long & short-term disability and vision care insurance plan is an arrangement by which a licensed insurance company gives its employer-group customers financial protection against claim loss in exchange for a monthly premium. In other words, insured or fully underwritten business simply means that employers choose to pay a premium to a licensed insurance company thereby transferring risk to that insurer in lieu of funding such claim liability themselves.

Fully Insured Products Include:

• Life and Accidental Death & Dismemberment
• Health - Medical
• Dental
• Vision
• Long Term & Short Term Disability
• Supplemental Buy-Up Disability
• Supplemental Life
• Long-Term Care

Companies that utilize JFP Benefit Management as their Agent on insured benefit plans can count on Annual Rate Renewals as well as general handling procedures that include:

• Detailed review and analysis of annual renewal rates 90 days prior to renewal (depending upon the carrier);
• Distribution of rate exhibits/benefits for existing plans as well as multiple alternative quotes ;
• Availability of scheduling multiple decision-maker meetings with key personnel/labor as needed;
• Coordination of detailed employee benefit meetings;
• Comprehensive documentation capability including customized rate exhibits, benefit charts, enrollment documents, benefit meeting kits, etc.;
• Regular quarterly contact (at a minimum);
• Comprehensive customer service functions;
• Resource (preferably as the first point of contact) for your employees' claim and benefit inquiries;
• Functions include reviewing, researching, analyzing and resolving all problematic telephone/written/walk-in inquiries involving claims/benefits/membership-eligibility problems for all lines of insured business, and
• Includes initial receipt of inquiries as well as ongoing follow up seeing each case through to resolution.

Whether you are looking for competency in the knowledge of health care market trends, viable insured options to deal with such market tendencies, thorough & technical support in terms of various carriers rating and underwriting policies, JFP Benefit Management looks forward to answering any questions you may have. From the years of experience to the time and effort devoted to maintaining current knowledge and application based on market changes, we hope to be able to build effective and longterm relationships with your company and the community at large.

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