Although technology is essential in benefits today, high tech cannot replace high touch. Insurance programs for executives must be explained and handled with competence, Often we are helping the executive better understand the existing group or buy-up benefit, as well as the impact or change of a new insurance program. Perhaps not surprisingly, an additional value from Balser’s plan administrators is their assistance in educating or re-educating the client’s employees about the features of the group insurance benefit during the supplemental plan’s process.

Our innovative enrollments communicate the benefit by focusing on each employee’s situation and track the decisions and elections made, creating an historical record. Although we use traditional paper enrollments from time to time, our web capabilities have been extremely well received by clients. Reaching employees by email allows Balser’s team to monitor the responses of the employees, studying enrollment activity on the website and adjusting the procedures and the calendar to make the most of the open enrollment period.

Balser is able to track different subsets of employees and customize procedures for those groups. For example, if Employer identifies a group of employees as “most likely” to enroll, we can contact them differently than those identified as “less likely” to enroll. Emails take employees to secure login pages (access requires immediate alphanumeric password protection procedures) that take the employees to personalized coverage statements, showing the current benefit and the supplemental one — and how they complement one another. These websites share general facts about the disability issues, a state-specific specimen contract, pre-populated application. As essential as the application process, is the ability to record declination of the disability offer. The declination assurance procedures create a history that an employee chose not to accept the offer. Different versions of these pages are created if there are subsets of employees with different portions paid by the employer.