JRW Associates Employee Benefit Advisors
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The Key Factor in Rising Healthcare Costs
On average, 15% of Plan members will consume 85% of total healthcare dollars during the Plan year.

These Costs Can Be Reduced
10% of these members can be identified and monitored and/or managed to greatly reduce risk and improve quality over the next 12-24 months.

Employee Benefits
We at JRW Associates have an extensive list of services we are able to provide our clients. Employee benefits can extend much further than medical and dental plans. Below is a comprehensive list of services we are able to provide to your organization.

Medical
Plan Design
Plan Financing
Enrollment Communication
Plan Implementation
PPO/HMO/POS Plans
Prescription Card Services
Medicare Supplements
Vision Plans
Reinsurance

Life and AD&D
Plan Design
Plan Financing
Communication & Enrollment
Employer Paid Term Life
Voluntary Term Life
Voluntary AD&D
Voluntary Universal Life
Voluntary Dependent Life
Executive Life
Travel Accident

Disability
Plan Design
Plan Financing
Communication & Enrollment
Executive Disability
Short Term Disability
Long Term Disability
Integrated Disability

Dental
Plan Design
Plan Financing
Enrollment Communication
Enrollment Implementation
Indemnity/PPO/DMO
Direct Reimbursement

Cafeteria
Plan Design
Communication & Enrollment
Administration
Premium Only Plan
Medical Reimbursement Accounts
Dependent Care Accounts
Full Flex Plan
Discrimination Testing

Communications
Online Enrollment
Telephonic Enrollments
Benefit Statements
Summary Plan Description
Employee Meetings
Booklets
Focus Groups
Employee Benefit Centers

Executive Compensation
Corporate Owned Life
Deferred Compensation
Executive Bonus Plans
Buy Sell Agreements
Key Employee Insurance
Salary Continuation Plans
Life and Disability Carve-Out
Executive Medical Reimbursement

Other
Accounting Services
Actuarial Services
401(k) & 403(b)
Long Term Care
COBRA/HIPAA/ERISA Consulting
Health Reimbursement Accounts
Predictive Modeling
Benefits Modeling
Employee Assistance Programs (EAP)
Voluntary Benefits