UNITEL recognizes a personal and professional commitment to our clients. Our benefits team has over 90 years of experience. Whether you have 5 employees or 500, we bring these elements together to create a program of products, communications and alternatives that can be used to further your goals and needs. We realize that no single approach can adequately satisfy the needs of all clients and believe this realization is our greatest strength. We will demonstrate this belief through our unique approach of serving every client with individualized plans for success.
We offer many unique advantages specifically for those in the telecommunications industry.
The products that we have in place are as follows:
- Group Health Benefits
- Group Life
- Group Dental
- Short-Term Disability, Long-Term Disability
- Long-Term Care Insurance
Access to virtually all insurance and administrative markets for group health insurance
The marketplace for Group Health insurance is changing every day as the stakeholders continue to posture in this dynamic environment. Being proactive in the selection of your Group Health plan is critical to weathering the economic impact healthcare has on your company.
Dual access options for both traditional and HSA based plans
Most traditional insurance programs offer a network of preferred providers (PPO) offering discounts for their services as being a part of a network. A Health Savings Account (HSA) plan option allows individual employees to select higher deductibles at a lower cost thereby shifting more of their healthcare decisions-making responsibility to them.
Partially self-funded group health insurance plan options
Depending on the number of employees on your Group Health insurance plan, partial self-funding is becoming a more viable option as insurance premium continue to escalate.
Comprehensive health management programs
Employers face the ongoing challenge of protecting their greatest asset; their employees. By taking a long-term approach to reduce healthcare costs through a proven program that improves and maintains the health of employees, the employer can proactively address this challenge.
COBRA compliance evaluation
Outsourcing compliance to a qualified third-party vendor contractually transfers YOUR liability to the vendor by making them responsible for managing the deadlines, documentation and communication that the law requires.
Periodic claims reviews
A proactive approach to managing the future costs of your Group Insurance is to periodically evaluate your claims and demographic information to benchmark the performance of your plan.
Electronic employee enrollment
Electronic enrollment enables your employees to provide annual health information and benefit elections required by the plan in an online paperless environment.
Customized employee benefits web site
This is an online portal created exclusively for you to provide your employees access to all their employee benefits.
Real value statements
A real value statement can provide your employees with important information regarding their total compensation including the benefits provided by you.
Claims, coverage and billing problems become issues that employees look to their employer to solve. The broker becomes a key advocate in helping employees overcome these problems without the involvement of the employer.
HR resources brokering
Our Client Community portal gives our employer clients access to a wide array of HR tools.
Employee Paid or Voluntary Long-term Care Insurance
In these difficult economic times, an insurance company that provides an option of either Employer Paid or Voluntary is important to providing this benefit without compromising the finances of the company.