EMPLOYEE BENEFITS Employee Benefits. Two words that add approximately 35 percent to your employees' overall compensation. While benefits comprise an important part of your employee's total compensation, it is becoming more and more difficult to construct the right health care plan to meet their needs and protect your bottom line simultaneously. The Impact of Health Care Reform Today's changing health care environment is full of issues. Insurance companies and politicians are at odds as to how health care coverage will look in the future. The Health Insurance Profitability and Accountability Act has made the creation of an effective health care plan even more challenging. How will the end result of health care reform impact your bottom line? Today's health insurance environment requires that you partner with insurance benefits "experts" to help develop a plan that makes sense for your business. The agents and staff at Spillman & Wotyla have the experience to provide you with the perspective you require to make sound decisions. Review Your Current Program Businesses like yours are constantly reassessing their benefits programs and making adjustments as needed. They also review the quality of service and support provided by their agent. Have you? Ask yourself these questions: Is your current broker reviewing markets on at least an annual basis? Is your current broker advising you on plan designs to maximize your premium dollars? Does your current broker monitor legislative issues and advise your company accordingly? Does your current broker have strong relationships with insurance companies to ensure that your objectives and expectations for products and services are delivered at a competitive price? If you answered no to any of these questions, you should consider the experts at Spillman & Wotyla. We specialize in all aspects of employee benefits. Including: Fully insured health care plan Partially self-funded health care plans Medical Savings Accounts Group long term disability Group term life insurance Group weekly disability income Voluntary (employee paid) coverage Dental insurance 401K plans Section 125 plans Contact us today and let us assist you in assessing your current employee benefits situation. You can contact us via email, telephone or information request form.