Employee benefits play an increasingly important role in the lives of employees and their families, and have a significant financial and administrative impact on a business. Most companies operate in an environment in which an educated work force has come to expect a comprehensive benefits program. Indeed, the absence of a program or an inadequate program can seriously hinder a company's ability to attract and keep good personnel. Employers must be aware of these issues and be ready to make informed decisions when they select employee benefits.

There are many reasons why it's smart to provide health insurance for your employees:

	Attract and retain highly qualified, skilled individuals in today's increasingly tight labor market
	Receive Tax Deductions
	Increase Employee Attendance
	Employees appreciate a company that provides insurance for them

Obviously, designing the right benefit plan for your employees is a complex task. Partner with us and you will be introduced to a wealth of insurance, employee benefits, risk management tools, and industry trend information. Sihle's staff includes professionals with experience and knowledge in the employee benefits industry. Our expertise runs a large spectrum from brokerage, consulting, account management, risk management, claims, and underwriting. We have advised clients on benefit design, funding, administration and communication as well as issues related to compliance w/COBRA and HIPAA. We are also extremely adept at resolving carrier and vendor related issues at the contract and participant levels.

Our selection of benefits services includes:

	Health-Fully Insured and Self-funded
	Dental-Group & Voluntary
	Life-Group & Voluntary
	Disability-STD & LTED-Group & Voluntary
	Vision-Group & Voluntary
	Retirement Services-401(k), Pension, Profit Sharing Plans
	Third party COBRA administration
	Worksite benefits
	Benefits communication and enrollment assistance
	Dedicated Account Manager as your main point of contact

Our Sales and Service Team:

	Ensures quality benefits while maintaining cost effectiveness
	Coordinates sales & renewal process
	Negotiates the most competitive premium levels
	Obtains alternative quotes in the competitive marketplace
	Provides benefits review and market analysis
	Coordinates enrollment meetings
	Provides assistance with employee announcements
	Monitors the progress of the benefits plan throughout the year
	Responds to client service needs immediately
	Investigates claim and administration inquiries when permitted to do so
	Provides personalized guidance to plan administrator
	Assists with the employee communications
	Has direct access to insurance companies claims, billing, and service
	Coordinates quotation process
	Provides hospital/physician plan comparisons
	Assists w/employee enrollment meetings
	Proofs enrollment forms to ensure an accurate underwriting process