BGA Employee Benefits Advisors
Strategic Solutions Matrix

Personal
Insurance Planning

Life Insurance

  • Personal Debt
  • Survivor Income
  • Estate Planning
  • Charitable Planning
     

Disability Insurance

  • Income Preservation
  • Group LTD Supplement



     

Long Term Care Insurance

  • Asset Preservation

Business
Insurance Planning

Life Insurance

  • Business Debt
  • Buy-Sell Planning
  • Key Person Insurance
  • Executive Benefits
     

Disability Insurance

  • Executive Income Insurance
  • Group LTD Supplement
  • Business Overhead Insurance
  • Buy-Sell Planning
  • Key Person Insurance

Long Term Care Insurance

  • Executive Benefit

Employee
Benefits Planning

Health Insurance

  • Fully Insured
  • Partially Self-Funded
  • Shared Savings
  • HRA’s
  • HSA’s and FSA’s

Ancillary Insurances

  • Dental
  • Vision
  • Life/AD&D
  • Short-Term Disability
  • Long-Term Disability
     

Voluntary Insurances

  • Life/AD&D
  • Short-Term Disability
  • Long-Term Disability
  • Accident
  • Critical Illness
  • Whole Life
  • Hospital Indemnity

Personal
Investment Planning

Accumulation Plans

  • Managed Money Accounts
  • Annuities
  • IRA’s
  • IRA Rollovers
     

Insurance Planning

  • Life Insurance
  • Long Term Care Insurance
  • Annuities


     

Distribution Planning

BGA Employee Benefits Advisors
Areas of Service

Plan Benefit Analysis

  • Strategic plan design / funding analysis
  • Identification of client’s benefits strategy
  • Short and long term risk management strategy
  • Plan design, costs and contribution impacts

Plan Renewal Analysis

  • Proactive renewal negotiations
  • Obtain competitive quotes
  • Analyze quotes and prepare reports
  • Meet with client to discuss options
  • Coordinate implementation and administration

Financial Monitoring

  • Claims monitoring & analysis
  • Claims utilization analysis
  • Funding analysis
  • Employee contribution strategies/impact

Client & Participant Support

  • Employee benefit education
  • Benefit plan marketing
  • Billing issue resolutions
  • Employee benefit fair support
  • Customized employee election forms
  • Employee advocacy service
  • Web-based HR/benefit resources
  • Employer education seminars
  • Legislative (State/Federal) compliance support
  • Monthly newsletters
  • Wellness program support




BGA Employee Benefits Advisors
Operational Excellence

The BGA Difference…Our Consultative Approach

Listen first to develop an understanding of your unique benefits philosophy and challenges

Leverage our considerable relationships with carriers and our experience with all size of clients

Present innovative technological capabilities tailored to your unique needs

Provide dedicated account management support


Services and Accountability

Data collection & analysis 

  • Historical and current contracts, filings, claims, etc.

Assessment

  • Demographic, health plan cost and coverage analysis
  • Dental, life and disability cost and coverage analysis
  • Voluntary benefits cost and coverage analysis

Implementation & service

  • Setting implementation schedule
  • Annual client service plan
  • Project management
  • Employee communication strategy
  • Employee education meetings

Operational meetings

  • Your team and the BGA team
  • Monthly, quarterly, pre-renewal
  • Task list
  • Post implementation debrief

Day-to-day support

  • Vendor management
  • Communications
  • Compliance
  • Benefits technology