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Profitable companies have one thing in common:  they see their employees as their greatest asset. Productive employees are not just born - they are created - through mindful benefit plans and other employee programs.  Our clients understand and embrace this.

NPN License Number 1478515

 Small Businesses Top 5 Benefit Tips for 2014


     1) Review new ways to lower costs.    With Pre-existing conditions to be eliminated in 2014 brings new underwriting practices small businesses need to be aware of and how it will affect their budgets and operation of their business.  The changes include age band rating to only 3:1, no health status consideration, only smoking and demographics.  With so few parameters, it is pretty certain actuaries will error on the side of higher rates when at all possible.

    2)   Be Creative.  When taking "away" or lowering a benefit, add something new.  Something as small as a voluntary program can help curb employee morale and keep it positive (directly linked to productivity).

    3)   Be in Compliance.  The new health care law brings more probability of small and medium sized business to be audited by the Department of Labor and IRS.  Audits have substantially increase over the past year and mostly in the under 100 employee market and penalties can be up to a $100/day/employee.

    4) Think Long Term - Think Big.  Smaller employers have been enslaved to the insurance carriers for rates and benefit designs.  The new health care law will not make that process any easier or flexible.  We encourage businesses to include healthcare as part of their over all business plan/strategy.  If ignored businesses can plan to be subject to a continuance of double digit increases and struggling to compete for the best employees.  Hint: Look at what your larger competitors are doing and hire the best people to be part of yout team ( Suggestion: whether or not they are internal or external doesnt matter but a few external will refresh the business and keep it proactive).

    5) Don't settle for status quo.  This is the biggest.  Small businesses will need more expertise and guidance.  More than they have ever have.  Look for Business Consultants and Advisors specializing in specific areas of their expertise, not just an insurance agent, tax guy or "jack of all trades" attorney.  Part of saving money is getting the most value for the dollars you are spending.  Find out what you are paying your agent and be sure you are satisified with not only his or her ability to answer the phone, but his or her ability to give you new ideas, customize your benefit and service package to fit your company's needs and work for/with you throughout the year to help lower your costs and liability exposure.



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         Focusing on the small, medium marketplace, we understand that in order to compete in today’s global economy, company costs are under constant scrutiny, including the cost of insurance and other administrative tasks. As a result, many companies struggle to balance their employee productivity and benefit offering efforts with their bottom line all while trying to navigate around legal and social issues. Helping you meet these divergent objectives is Emery Benefit Solutions, LLC's specialty. Using our advanced technology, consulting expertise and ability to custom design solutions, we are able to help you create a dynamic human capital that will impact your customer experience and bottom line, positively.


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“Corporations (including Small Businesses) go through cycles of buying into big new ideas to move to a higher level—knowledge management, change management, technology management. Today, the big new idea is health management. This idea needs to become like its predecessors: a vital strategic function that businesses must perform while continually assessing and improving 
it. That’s the only way to succeed in a competitive 
marketplace where the performance of human capital is 
a differentiator.” 

Sean Sullivan, J.D. 
President and CEO 
Institute for Health and Productivity Management


  


      Emery Benefit Solutions, LLC

248-853-6535
Auburn Hills, MI 48326
sue@emerybenefitsolutions.com

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