TCG Benefits Advisory Services

The world of employee benefits is replete with options and details for every line of coverage. TCG offers comprehensive Benefits Advisory Services to help navigate the myriad of decisions and fine points in order to implement financially responsible employee benefit solutions that fit your specific needs. We work closely with each of our clients to understand their unique situation before providing viable alternatives and opportunities.

The Cayemitte is pleased to offer the following services:

Benefit Program Review

TCG will review all contracts, amendments, employee certificates and booklets pertaining to your Employee Benefit Programs. In the review, TCG will confirm the various programs' compliance status in regard to applicable Federal and state legislation such as ERISA (Employee Retirement Income Security Act), ADEA (Age Discrimination in Employment Act), HIPAA (Health Insurance Portability and Accountability Act) and PPACA (Patient Protection and Affordable Care Act).

Financial Review

Our firm will provide a comprehensive financial history review and report for all lines of coverage. TCG will discuss your emerging experience and create financial forecasts for upcoming renewals as an aid to clients for budgeting purposes. The Cayemitte Group will negotiate future benefit plan renewals with benefit carriers.

If necessary, and with your approval, TCG will market your account to determine if your firm is receiving the highest quality product at an appropriate cost. Should it be necessary to market any aspect of the benefit program, TCG will prepare specifications, deliver them to prospective vendors, evaluate and analyze the proposals received from vendors, and summarize and present available options to you.

Implementation Services

If benefit or plan changes are made, TCG will manage and coordinate the implementation of such changes between the vendor and our client.

Employee Communication Services

Communicating with employees regarding benefits is often a time-consuming task. TCG will assist with employee communication, enrollment and education. In addition, TCG will intercede on a client's behalf when a claim or premium problem cannot be resolved satisfactorily through the vendor's already established methods and guidelines.

Regulatory Monitoring

Regular monitoring of applicable state and Federal laws and regulations is often overlooked. TCG will send timely bulletins to you regarding developments and their potential impact on your benefits program(s).

Commercial Insurance