We have collaborated on several for supplemental LTD programs. 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 an 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 the 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.

Perhaps not surprisingly, an additional benefit is Balser’s plan administrators often educate or re-educate the client’s employees on the group LTD benefit during this process, along with the new supplemental plan.