Seubert > Our Solutions

for a healthier organization

Using risk to control costs
The biggest reason client’s come to us to discuss their benefits package is to control costs. Costs can accelerate out of control due to a number of factors such as increased utilization and inflated rates from carriers. Hidden in those factors are savings opportunities for anyone who knows how to analyze employee risk. Our team can help you identify your risks, then quantify and prioritize them so that you can get the coverage your people deserve, with better long-term cost certainty.

Working intelligence
Our approach is to design long-term strategies based on your overall goals, which might include improving employee health, participation or productivity. We begin by evaluating plan performance, identifying cost drivers, conducting benchmarking, and forecasting potential outcomes to make intelligent decisions to improve the bottom line.

Improved performance
It’s no secret that poor behavior leads to elevated health risks and chronic diseases, which drives rising healthcare costs. We can change that cycle with customized programs that empower employees to make smarter choices, giving them a sense of control over their lives and their health. Employees that feel better work harder, stay longer and positively impact morale - all of which will boost your financial performance.

Reduce exposure
Keeping up with the complex and ever-changing requirements that come with healthcare today is a constant challenge. Rather than put that heavy load on HR, rely on our compliance team to track the on-going regulatory changes for you. We provide ongoing communications, tools and a timeline to make sure you are always in compliance to avoid unnecessary exposure and penalties.

Expand resources
By integrating technology into benefits processes, we allow you to increase your resources without having to add to staff. Our innovative solutions enhance human resources functions, helping optimize your benefits program and communicate information out to employees. And our service model includes three levels of support to ensure that not only your day-to-day needs are met, but that we have a long-term benefits strategy in place. When you’re looking for ideas of how to offer the best package possible, talk to to the Seubert benefits specialists.

Employ benefits

Your benefits package is an important part of your employee compensation plan, but did you know that it could also be a key aspect of reducing risk and controlling costs? Unfortunately, nearly all providers consider managing this risk to be your responsibility. We don’t think that’s fair – especially in today’s complicated healthcare environment. Instead of pushing the responsibility onto you, Seubert will help uncover your exposure to risk and help manage it to enhance profitability.
Risk Surety Benefits Assets
Group

Voluntary

Retirement

Executive

Employ benefits

that benefit the bottom line
for a healthier organization

Employ benefits
Risk Surety Benefits Assets
Group

Voluntary

Retirement

Executive

Discover the secret to a healthier business
A good benefits package can go a long way to improve employee satisfaction and retention. A smart benefits package can help reduce your long-term risk as well. We use real-time data to take a diagnostic view of your workforce, creating a cohesive benefits strategy designed to reduce poor behaviors for a healthier company.

We’ll evaluate options in health, dental, and vision care to make sure you are getting the best quality without overpaying. By examining your claims history, we may suggest safety programs to reduce injuries or recommend alternative funding to improve cash flow. And with our wellness and financial strategies, we’ll help make sure that your employees enter retirement healthier as well.

Improve health and reduce costs
Working with you, we’ll develop a multi-year strategy to improve employee health because healthier employees are more productive and cost less. We analyze your group’s distinct characteristics in claim expenditures, demographics, trends, and corporate culture, and then we customize a well-being program that targets your most unhealthy populations. We’ll find ways to help employees get motivated to change behaviors and reduce medical claims to improve the long-term health of your company.

Employ benefits

for a healthier organization
for a healthier organization

Employ benefits
Risk Surety Benefits Assets
Group

Voluntary

Retirement

Executive

Finding the right extras
You want the best for your employees, and your selection of voluntary benefits can be a big part of that. Life, disability, critical-illness, and accident insurance, as well as financial counseling, let your employees know that you need them and are looking out for them. And it gives employees a say in helping you reduce risk.

Financial fitness
Employees who are financially stressed have higher healthcare expenses, take more sick days, and are less productive. We realize the toll that this has on a company, and we were one of the first to include financial wellness in the benefits discussion. Using a combination of self-action steps and access to financial experts, employees can get the support they need to put them on a healthy financial footing. Not only do you gain a less stressed and more loyal workforce, but you save on plan expenses and insurance premiums.

Employ benefits

for a healthier organization
for a healthier organization

Employ benefits
Risk Surety Benefits Assets
Group

Voluntary

Retirement

Executive
Enhance employees’ futures
Today’s retirement landscape is intimidating. Your employees need someone to help them develop a long-term strategy to save so they can retire on time and in comfort. You need an expert to create successful retirement outcomes for loyal employees, all while meeting your fiduciary responsibilities.

One stop. One goal.
Instead of a separate approach to benefits and retirement, we offer you a shared team that understands your business and your benefits program. Our experts will help design, implement, and manage a retirement plan that uniquely fits your objectives.

At Seubert, everything we do is designed to improve your plan health and increase participant retirement readiness. Through education, unique plan features, and a dedicated service model, we’ll encourage more employees to save for their future and provide them with the resources they need to build a better retirement.

Keeping you in line
Retirement plans are always set up for the right reasons but all too often they are neglected as other priorities take over. A healthy retirement plan is one that meets its fiduciary, legal and regulatory requirements and is financially sustainable. To protect yourself, you need tools in place to monitor your plan to ensure that you remain in compliance and on track with plan goals at all times.
- We are committed to employee education and include it in every service plan.
- We use a variety of tools, including QDIAs and auto escalation, to help produce better outcomes.
- We measure success through participation, deferral rates, and balance leakage.
- We perform annual reviews to make sure that the plan is operating properly and that you are meeting your fiduciary responsibilities.
Employ benefits

for a healthier organization
for a healthier organization

Employ benefits
Risk Surety Benefits Assets
Group

Voluntary

Retirement

Executive
Rewards to keep key executives invested
Your highest ranking and highest performing employees have been a critical part of your success. You owe them the chance to be rewarded for their efforts, and you give them all the reasons in the world to stay with you until retirement.

Our process starts by sitting down with you and your executive team to determine what’s needed and what’s not. Because we already know your business inside and out, we can advise on the most advantageous executive compensation strategy for your financial situation.

We’ll also show you how to effectively manage your risks so that you can devote even more dollars to attracting and retaining the best employees. Options include:
- Key Person Life Policies
- Deferred Compensations Plans
- Personal High-limit Disability Plans
- Special Risk Coverage
- Buy-Sell Funding
In addition to delivering executive compensation and benefits that will give top performers a powerful reason to stay, we can help establish a business plan for the future with effective Succession Planning. Click here to learn more.
Employ benefits

for a healthier organization

for a healthier organization

Employ benefits

Employ benefits

that benefit the bottom line

Employ benefits

for a healthier organization

Employ benefits

for a healthier organization

Employ benefits

for a healthier organization

Employ benefits

for a healthier organization