Opportunities for Your Upcoming Open Enrollment Planning

Open enrollment is when employers decide what support sits beside major medical.

Beyond the core plan, a short “menu” of options can help people stay, manage cost, and cover gaps, without turning benefits into a puzzle.

Categories worth reviewing with your benefits advisor before you lock in next year’s package:

Employee retention tools... Short-term and long-term care, disability, group life, and AD&D. These are the coverages employees notice when life gets hard, and they help you keep people who already know the work.

1. Retention Tools

Short and long-term care, disability, group life, AD&D. What benefits help you retain the people you value?

1. Core Benefits

Medical, dental, vision. Are these still meeting your employees’ needs?

1. Budget Control

Fully insured / self-funded / level-funded, HSA·FSA·HRA, Section 125. Could a different funding approach help manage rising costs?

1. Employee-paid Benefits

Accident, critical illness, hospital indemnity. Could these help fill gaps as deductibles increase?

1. Compliance Help

COBRA and leave management. Are you prepared for the year ahead?

Ask us for a custom benefits menu for you and your employees!

4 Your Benefit:  quote@4yourbenefit.net | 586-915-6000.