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How can Linden Group’s specialization in employee benefits help a group like mine? Unlike most insurance brokers who handle multiple lines of insurance coverage (property & casualty, workers compensation, automobile, etc…), the Linden Group focuses only on group benefits. By serving this niche, representatives of the Linden Group have become experts in dealing with the challenges of purchasing and servicing the complex arena of employee benefits. What separates the Linden Group from other brokers? Our team of dedicated benefits professionals and the experience each one brings with them is the key differential. Every client begins with a highly trained sales professional which is the employer’s main contact for contracting and overall responsibility of the account. Each client is also assigned a dedicated “in-house” customer service representative to assist in any administration or claim inquiries. Both of these highly visible contacts are supported by an efficient administration department to make sure every client is given the high quality service they deserve. What types of health products is the Linden Group offering in today’s market? The Linden Group is a highly diversified benefits brokerage firm able to offer a wide variety of health insurance plans through the major carriers participating in the mid size market. The plan designs being quoted range from innovative section #105 medical reimbursement plans to more traditional PPO and HMO products funded by fully insured and self insured methods. What are Section # 105 medical expense reimbursement plans? Medical expense reimbursement plans (MERPS) allow employers under "section 105" of the IRS rules to fund certain out-of-pocket medical expenses for all their employees. These specified expenses can include co-pays, deductibles and more. Employers are allowed to write off 100 percent of the cost of the incurred expenses. Employees appreciate the greater flexibility of the MERP, because the plans can reimburse them for medical expenses often not covered by regular insurance benefits. After initial enrollment on a carrier, what role does the Linden Group serve? A typical broker may "slip away" after carrier installation has been completed, but at the Linden Group our work is just beginning. A dedicated customer service representative is assigned and will contact a new client to review all administrative procedures in person. Once the plan administrator has been educated, the Linden Group CSR and sale professional will continue to partner with the client by being a valuable resource offering to answer questions, assist in correcting administrative errors and trouble shoot difficult claim issues. We will always be there to assist our clients. How does the Linden Group handle employer groups at renewal time? Depending on each group’s own specifications, our sales professional will start the renewal process up to four months ahead of a group’s anniversary date. At that time, our sales professional will meet with the client to prepare them for the renewal, update them on market conditions and to see if any of the group’s needs have changed since last anniversary. As soon as the current carrier’s renewal package has been produced and negotiated, the renewal is presented along with competitive options from the market in order for the client to make an informed decision in a timely fashion. What types of other services does the Linden Group offer? Besides providing comprehensive group benefits including health, dental, disability, and life products the Linden Group has the partnerships with vendors to supply additional services such as:
Can you supply references of current longstanding customers? Absolutely, please contact your sales representative and provide instructions on what type of references you are looking for. With over 600 corporate clients, the Linden Group can readily provide you with current employer groups by location, type of industry or broken out by insurance carrier. |
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