KIB offers a wide array of products that will meet your needs. Our specialists can help you sort through our many products.
  
 


We offer our clients a full range of employee benefit consulting services tailored to their specific needs.
  

Benefit Plan Design

  • Analyze and evaluate the design of all welfare benefit programs
  • Compare plan designs and benefit programs with organizations in similar industries
  • Recommend changes in plan design to achieve financial objectives
  • Prepare and obtain cost estimates for proposed plan changes
  • Advise on industry trends and new developments

Financial Analysis

  • Evaluate and negotiate premium rates
  • Conduct marketing studies to obtain proposals from alternative insurance companies
  • Analyze claims experience
  • Develop rate projections for upcoming renewals
  • Reconcile insurance company's year-end financial accounting
  • Create employee contribution schedules to achieve corporate objectives
  • Analyze and recommend alternate funding arrangements, when appropriate

Account Management

  • Assist with claim problems and declinations
  • Interpret contractual provisions
  • Review summary plan descriptions and contracts for accuracy and completeness
  • Assist with premium discrepancies
  • Assist with eligibility problems On-line Enrollment, Billing and Eligibility
  

Value Added Services

  • On-Line Compliance updates
  • Health Advocate---link
  • Executive Benefits
  • Employee Surveys
  • HR Support

Government Compliance

Changes in insurance laws are enacted on a regular basis at both the state and federal level. As an employee benefit consultant, Kelly Insurance Brokerage makes certain our clients' plans are in compliance with all applicable insurance laws.

We also provide technical support in the following areas:

  • ADEA Guidelines
  • COBRA
  • Coordination of Benefits
  • ERISA
  • Family Leave Act
  • State Mandates
  • Section 79 - Life Insurance Imputed Income
  • Section 125 -Flexible Benefit Programs
  • 5500 Forms