Our Offices
- Burlington, IA
- Davenport, IA (Ruhl & Ruhl Insurance)
- Des Moines, IA Metro Area
- Fort Madison, IA
- Mount Pleasant, IA
Affiliates
- Two Rivers Bank & Trust -
- Employee Benefit Systems
Find Out More!
Employee Benefits
Our Services for You
Let one of our dedicated teams of benefits specialists provide your business with a fully integrated benefits package tailored to meet the needs of your business and its employees and their financial security goals.
Service Goals
- Dedicated service representative accessible email and toll free
- Total documentation of all incoming and outgoing communication
- New hire enrollment packets provided
- Update meetings to review utilization and impact - Quarterly of Semi-Annual
Employer
- Design and Service of a full employee benefit menu
- All coordination between employer and insurance company
- Carrier negotiations, market comparisons
- Financial reports/consultation on experience, contribution models, reserves, and funding levels
- Coordination of benefit changes
Business Owner & Key Management Services
- Business Succession Planning
- Key Employee Retention Programs
Employee
- Employee group meetings
- Dedicated customer service representative accessible by email and toll-free
- New hire enrollment - One-on-One consultation
- Employee claims intermediary
- On-site, printed and web based benefits education services
Available Services
- Medical, Dental, Vision, Group Short and Long Term Disability, Life Insurance, Long Term Care Insurance, Employee Wellness and Assistance Programs, Employee Retirement Plans
- Association and Governmental Benefit Pools, Development and Daily Operations
- Payroll Deduction Voluntary Buy-up Life, Disability, Long Term Care, Cancer and Medical Supplement Policies, Pre-Paid Legal Services and Identity Theft coverage
- Self-funding of and Benefit, Stoploss Protection, Recommendations on reserve and claims factors for self-funded benefits
- Partial self-funding administration, Health Reimbursement Arrangements, Health Savings Accounts
- Section 125 administration, flexible spending, childcare, and limited purpose flexible spending accounts
- HIPAA mandatory notifications provided
- COBRA notification to terminated employees
- Consolidated billing services
- Human resource consulting services through H R Link
- Fee based consulting on design, long-term planning/reserves
