Employee Benefits

Your company is unique. So are your HR benefit requirements.

Don’t settle for “one-size-fits-all.” Let an expert team from Greer show you how to custom-build an employee benefit package designed specifically for your organization.

The Affordable Care Act

Better known as the ACA or ObamaCare, is the most complex set of laws ever created in this country. It has created incredible amounts of confusion and risk for all Americans and made obsolete even health care offerings that are fewer than three years old. But the fact is that it is part of our new health insurance landscape, so our teams at Greer have made it our business to become the experts in understanding what it all means. What does it mean to you? Here are the facts.

  • ObamaCare changes just about everything about health care coverage and it does so for everyone — companies and individuals alike.
  • But the changes come in different ways. Eligibility rules and timetables are different for a 49-person company than for a 50-person company. And different still for a 100-person company. And yet again for individuals.
  • There are pros and cons to virtually every element of it.
At Greer, it is not our job to express an opinion about the pros and cons. Rather, it is our job to develop a deep understanding of the complexities of the regulations, so that our clients don’t have to, and can focus on other elements of their business and personal lives. So whether you need protection for a large company or small, let the experts at Greer take this worry off your plate. We will help you overcome the confusion and avoid the risk of ObamaCare.
  • Expert Consulting
  • 50 Years in the Business
  • Highest Levels of Service
  • Single point of contact for all your benefits
  • Top-tier Individual Insurance Products

ACA Reporting

1094 and 1095 reporting is the newest component of the reporting required from employers. It is also the most data-sensitive piece. We can show how to satisfy these rules and stay compliant. We can also determine if you are required to do the reporting. The answer will surprise you.

 

Call Centers

Don’t want your employees calling your HR manger or you for information? Use our call centers, where fully trained individuals will provide expert assistance.

 

Enrollment Solutions

One-on-one, group meetings, online, or old-fashioned enrollments — find out which is the most effective for your employees. Enrollment technology is constantly changing and we make sure we stay ahead of the curve.

 

Benefits Administration Systems

When it is time to explore the world of Benefits Administration Systems, don’t go it alone. Use our expertise to guide you to the solutions that will work best for you.

 

Medical

Making the right decision about your company’s medical coverage means making an informed decision. There’s a lot you need to know. Because Greer is not affiliated with any insurance carrier, you can expect honest and unbiased advice. Whether it’s HMOs, PPOs or POSs, we’ll help you navigate the alphabet soup of health insurance options to find the one that’s best for your company.

Dental

Next to medical insurance, dental insurance is the most requested employee benefit. While dental insurance hasn’t changed significantly over the last 15 years, there are new products, new carriers and some potential pitfalls to recognize. We explain the carrier’s true cost structure to ensure that the policy meets your expectations.

Life

Life insurance comes in many forms. Most people don’t carry personal life insurance and prefer to look for it as part of an employer-sponsored benefits package. With group insurance you can select either term or permanent and employer-paid or voluntary. You can purchase a flat amount, a multiple of the employee’s salary, or an amount based on employee class level. Your Greer team of experts will show you how to customize these plans based on your organization’s needs.

Disability

During their working careers, almost 30 percent of people between the ages 35 and 65 will experience a disability that lasts at least 90 days. With more people recognizing this risk, disability insurance is fast becoming a popular option with employees. Talk to us if you’re considering offering short and long-term disability benefits. It’s a valuable, low-cost option, but not without its complications, as many carriers specialize in certain industries. Our specialists will help you find the most appropriate one.

COBRA

If you’re finding it difficult to manage COBRA’s regulatory and documentation requirements, Greer can help. We’ve got the resources to manage your COBRA benefits, while you focus on running your business.

COBRA, short for the Consolidated Omnibus Budget Reconciliation Act, was passed in 1986 to give former employees the right to temporarily continue health care coverage at group rates. If, like most of our clients, you have more than 20 full-time employees, you’re required to offer COBRA benefits to any employee who had health insurance and leaves your organization.
 COBRA offers an important safety net for employees by giving them the opportunity to maintain health care coverage during a transition period. But the extensive documentation requirements and time-sensitive filings often overwhelm small companies with limited resources. We offer a cost-effective solution so you can turn over the administration of COBRA to us. Our specialists partner with some of the best COBRA administrators in the country to ensure strict compliance with the process and to stay up-to-date on the ever-changing rules and regulations.

HIPAA

The Health Insurance Portability and Accountability Act (HIPAA) provides rights and protections to participants and beneficiaries in group health plans. As an employer, it’s important to understand how this legislation impacts your company.

You probably know about one aspect of HIPAA — Protected Health Information (PHI) — which restricts access of medical information to those who are authorized. But there’s much more to HIPAA than that. You need to understand Certificates of Creditable Coverage, pre-existing conditions, and a whole raft of special circumstances that can come into play. Or rather, you don’t need to — because we do. As your authorized group health representative, your support team at Greer will manage all HIPAA administration and documentation for you. HIPAA is very complex and has extensive documentation requirements and can overwhelm you if you let it. But HIPAA specialists at Greer can help you manage the process instead of being overwhelmed by it. It’s just a smart thing to do.