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More than just insurance

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Presentation of Services 100 Premium Way | P.O. Box 5002 | Alamosa, CO 81101 | Phone 719.589.3611 | Fax: 719.589.0242 5585 Erindale Drive Suite 107 | P.O. Box 26465 | Colorado Springs, CO 80918 | Phone 719.528.1884 | Fax 866.847.5973 7300 E. Arapahoe Road | Centennial, CO 80112 | Phone 888.528.1884 | www.cia-leavitt.com
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Presentation of ServicesPresentation of Services

100 Premium Way | P.O. Box 5002 | Alamosa, CO 81101 | Phone 719.589.3611 | Fax: 719.589.02425585 Erindale Drive Suite 107 | P.O. Box 26465 | Colorado Springs, CO 80918 | Phone 719.528.1884 | Fax 866.847.59737300 E. Arapahoe Road | Centennial, CO 80112 | Phone 888.528.1884 | www.cia-leavitt.com

We view our role as more than your insurance agent. As your business partner we are committed to building lasting relationships with both our clients and the insurance companies we represent. We do this by providing consistent quality service and by developing long-term solutions to manage your business and personal exposures.

CIA-Leavitt is a full service agency providing the strength and experience of a large national brokerage, yet the personal touch of a locally-owned independent insurance agency.

CIA-Leavitt Insurance Agency is a member of the Leavitt Group, the 14th largest insurance agency in the United States with over 115 locations to serve our clients needs. The Leavitt Group writes over $1.5 billion in insurance premiums annually. Our affiliation with the Leavitt Group provides us with the key management service, specialty products and insurance company access to create a more competitive and stable insurance environment for our clients.

CIA Leavitt Insurance Agency

Our team consists of insurance professionals with a wide range of expertise, many of whom are considered leaders in their respective fields. We foster in all our employees the need and drive to pursue education surpassing any requirements set forth by the Division of Insurance. We are confident in our insurance knowledge, and believe this is critical in providing our clients with successful risk management solutions.

Since our agency was founded in 1982, our focus on relationships of trust, industry knowledge, and a willingness to serve sets CIA-Leavitt Insurance Agency apart.

Choosing CIA-Leavitt Insurance Agency will assure you competitively priced insurance products, risk management solutions guidance from leaders in the industry and unparalleled service an attention.

We represent a variety of accounts, including commercial groups, associations, and governmental entities. This diversification of clientele gives us a unique market advantage.

We are committed to building life-long relationships with clients and insurance carriers by providing consistent and quality service. As a result, over the last decade our firm has a high client retention rate throughout the industry.

Our employees not only have broker expertise, but have vast experience working for carriers in the areas of management, sales, billing, underwriting, appeals committee and customer service.

We maintain elite status with all major insurance carriers. Our agency has an excellent relationship with each carrier, and we offer an unbiased point of view. As a trusted steward for our clients’ benefits, our goal is to work hard to continually meet your needs. We look forward to providing a competitive benefits package to you and your employees.

We broker the following products, which are offered on a fully insured or

partially / self-funded basis:

HEALTH

DEnTAL

VISIOn

CAFETERIA / FSA / SECTIOn 125

HEALTH REImBURSEmEnT ACCOUnTS

HEALTH SAVInGS ACCOUnTS

LIFE / AD&D

SHORT TERm DISABILITy

LOnG TERm DISABILITy

VOLUnTARy SUPPLEmEnTAL PRODUCTS

Our Advantage

We have assembled a team of professionals that will be extensively involved with your company. Our consulting and service team have a tremendous amount of experience and knowledge in the employee benefits industry and provide a well-balanced approach to benefit planning.

Consultant / Producer your producer has extensive experience in the group benefits industry and will coordinate the breadth of our benefits services and support personnel. In particular, your producer will assist you in the following areas:

Coordinate Client needs Fact finding and information gathering

Benefits Evaluation Plan design, employer contribution requirements, participation, cost, risk, network, client goals, carriers, products and services

negotiation Renewal rates, benefit designs, bids, decrements and other options

Underwriting methodologies Reports, renewal data, strategies, cost savings, market and industry trends

Creative Solutions Risk sharing, consumer engagement, wellness, communication and network review

Our Service Team

Account Manager

Our clients are assigned a full-time account manager, regardless of the company’s size. In addition to helping you understand your benefit plan(s), your Account manager can assist you with the following:

Employee Benefit Booklet Combined benefits in one source

Open Enrollment Coordination of meetings with carriers and vendors

Claim Resolution Assistance with complex and escalated claim issues

Billing Reconciliation Assistance Support for billing questions and issues

Employee Q&A meetings Educational meetings on benefits for employees

Wellness and Health Fairs Screening and health information

Employee Surveys Identify employee satisfaction of benefits package and other desired products

Set Up and Ongoing Support of Services

Benefits Value-Added Services Underwriting, COBRA Administration, Human Resources Services, Wellness and Online Services

Our Service Team

Administrative Support Staff

Request For Proposal Process Coordinate, fine tune and package data for carriers

Carrier and Product Knowledge Accurate benefit options for the individual needs of each group

Plan Comparison and Spreadsheets Information compiled into a concise format

Funding Comparisons Compare the impact of employer and employee cost

Dedicated Enrollment Assistance Emails or faxes information and confirms additions and terminations on group plans

Client Seminars Annual and bi-monthly relevant benefit seminars

Escalated Claim Support Our team will act as liaisons between the patient, the insurance carrier, and the provider

Our Service Team

We are built upon a tradition of integrity, industry leadership and excellence. We are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services and key based solutions.

We are proud to offer cutting edge value-added services. These in-house services are provided at no additional cost. Our value-added services are, in part, what sets us apart from other brokerages.

UnDERWRITInG Data driven negotiation

and decision making

COBRA / COLORADO ADmInISTRATIOn

Full management, liability and complete compliance

HUmAn RESOURCES SERVICES Experienced consulting, workshops

and ongoing support

WELLnESS Wellness programs, resources

and education

OnLInE SERVICES Benefits website, online tools

and electronic enrollment

COmPLEx CLAImS RESOLUTIOn Full assistance in reconciling

difficult claims

Value-Added Services

We have an aggressive approach to underwriting. By combining our underwriting department‘s expertise with our producers’ knowledge and carrier data, we are able to achieve the most desirable renewal.

We have identified a unique formula from data that carriers use to develop rates for groups. Each element of this formula provides us leverage in negotiation.

SmALL EmPLOyER (2 - 50 EmPLOyEES)

Preparation of underwriting packets•

Limited plan utilization review•

Comprehensive electronic application and •underwriting

Screening of health applications for accuracy•

Participation calculator, ensure compliance and •contribution

Employee class analysis and industry review •

LARGE EmPLOyER (ExPERIEnCE RATED)

Compilation of data into a management reporting tool•

Quarterly analysis and presentation of reports and •plan utilization

Recommended plan design and funding changes with •long term cost benefit

Package client information to aid in achieving the •most aggressive rate proposals

Plan and budget projections for future rating actions•

Review rating actions directly with carrier •underwriters to verify that rating information is accurate and fair

Underwriting

We provide complete COBRA administration. We enroll and maintain participants, track time frames, and collect and reimburse premiums.

Our team effectively and accurately manages the IRS mandated forms and language requirements. We become the intermediary between employers and COBRA participants.

This process ensures full COBRA compliance and peace of mind for the client.

Sample Notices Include:

GEnERAL nOTICE

QUALIFyInG EVEnT ELECTIOn nOTICE

COnVERSIOn nOTICE

PREmIUm BILLInG nOTIFICATIOn (InVOICES)

nOTICE OF DIVORCE

ExPIRATIOn nOTICE

nOTICE OF InSIGnIFICAnT PREmIUm

UnDERPAymEnT

nOTIFICATIOn OF PLAn CHAnGE AnD RATE

nOTIFICATIOn OF TERmInATIOn FOR nOnPAymEnT

Employer Reports:

mOnTHLy PREmIUm REPORT

REImBURSEmEnT CHECK

mOnTHLy TERmInATIOn REPORT

COBRA / Colorado Continuation

We offer a full spectrum of Human Resource services support. We recognize experience varies in each company’s Human Resource department. Therefore our services range from validating simple issues to resolving complex matters. The unbiased consulting we provide is responsive and available with unlimited access.

Discounted background checks and drug testing available

WORK SHOPSADA (Americans with Disabilities Act)

Effective Communication/Feedback

FLSA (Fair Labor Standards Act)

FMLA (Family and Medical Leave Act)

Hiring/Firing Guidelines

Sexual Harassment Awareness

Title VII (discrimination)

Leave of Absence

Union Advice

Workers Compensation

USERRA (Uniformed Services Employment and Reemployment Rights Act)

TEmPLATESEmployee Handbooks

Employee Opinion Surveys

Job Applications

Job Descriptions

Leave Request Forms

Severance Agreements

SUPPORT & TRAInInG24-Hour Phone Access

Timely Email Response

Weekly Newsletter

Performance Review Training

Job Description and Postings

Wage and Hour Issues

Job Application Review

I9 Compliance

Union Advice

Updated Human Resource Forms

Human Resources Services

Our wellness services include a wide range of resources, programs and support to assist clients with worksite wellness initiatives. most adults spend more of their waking hours at work than anywhere else, making it a prime venue for promoting healthful habits.

Importance of Worksite WellnessReduce absenteeism•Improve productivity and attendance•Control increasing health care costs•Improve employee morale and retention•Reduce injuries•

Through our experience, we have found the success of the wellness campaign depends on the communication and support of the management team. The result of this finding was the genesis of the wellness department and the implementation of the listed services.

*A fee may be associated with actual screening services.

COORDInATIOn OF CARRIER PROGRAmS AnD RESOURCES

EmPLOyER WORKSHOPS

WORKPLACE EVALUATIOnS

EmPLOyEE InTEREST SURVEyS

EVEnT SUPPORT (InCLUDInG HEALTH FAIRS)

PLAnnInG AnD COORDInATIOn OF BIOmETRIC

SCREEnInG SERVICES*

HEALTH EDUCATIOn mATERIALS, TIPS AnD nEWSLETTERS

Wellness

HRconnection is an easy-to-use employee website that serves as a custom company information and employee benefits expert. For employees, it provides 24-hour access to company and benefits information from any computer with internet access. For employers and human resources personnel, HRconnection increases productivity and cost savings by providing employee self-service and improving employee communication efforts.

HRconnection Helps EmployersComprehensive on-line enrollment •Communicate with employees and solve human •resources challenges Improve employee satisfaction•Save money •

HRconnection Helps Employees Instantly access up-to-date company and benefits •information and useful formsConnect to comprehensive human resources •information 24-hours-a-day, 7-days-a-weekLearn about career growth opportunities, job postings, •and training programs

HRconnection Helps Human ResourcesEfficiently showcase benefit programs to employees •and their familiesCommunicate important company information to all •employees in a consistent, timely and useful mannerAttract and retain valued employees by portraying a •high-quality image

HRconnection

myWave is your pass to a dynamic world of employee benefits and human resources tools and information. myWave is an Internet-based client center that gives you real-time access to our products and services.

MyWaveHRMyWaveHR provides access to articles covering a variety of topics, comprehensive legislative guides, HealthShop newsletters, and links to industry related websites.

Benchmark Surveys Allows you to determine how your plans and programs compare to other employers across the U.S.

MyWave CommunityShare information and resources via the community’s interactive forum, post questions to your peers, provide insight into other users’ questions, and track responses based on topics or individual questions.

Collaboration CenterOur two-way document posting capabilities allow a seamless exchange of information sharing and collaboration. You can download and share documents, make updates, and track a document’s history-simplifying updates to reports, worksheets, questionnaires and policies.

MyWave

Broker Comparison

Strength in Numbers

We are an affiliated agency of the Leavitt Group, which provides service to over 1,500 benefit clients throughout the West.

Insurance Carrier Relationships

We maintain an elite carrier status based on our overall premium and membership volume. This positions us in a unique, mutually respectful relationship between our carrier and clients.

Consultants/Producers

Our consultants/producers possess extensive experience and knowledge in the group benefits industry. Their primary focus is to coordinate our value-added services with our support personnel and to implement dynamic plan design solutions resulting in superior client satisfaction.

Annual Review Combining our unique and aggressive approach to carrier negotiations with our underwriting methodologies, we work closely with our clients to provide creative cost-saving solutions.

Innovative Plan Designs

Our creative approach to benefit plan design has proven to be successful for long-term employer solutions.

Account Managers

We have gleaned the industry’s top service account managers to coordinate each client’s enrollment meetings, employee communications, complex claim resolution, and all our value-added services. They provide invaluable support to human resource and benefits professionals.

Employee Benefit Communications

We provide a variety of communication tools including benefit books, CDs, DVDs, andweb access that will educate employees and their dependants on their benefits package. Thesecontribute a valuable resource to employees at open enrollment and throughout the plan year.

Spanish Translation

We have access to effective industry professionals who are a direct contact for Spanish speaking employees and can assist with open enrollment, claims resolution and day-to-day questions.

Employee Training/Seminars

We host a variety of seminars throughout the year, in addition to a full day annual seminar, covering diversified topics relating to benefits and human resources responsibilities and compliance.

UnderwritingOur experienced in-house underwriting department provides our clients with customized reports and analysis. They will verify that rating information from the carrier is accurate and fair and will suggest alternative financial solutions.

Reporting Capabilities

For large groups, carriers will supply monthly utilization reports. We compile the reports in a concise format to help us recognize utilization trends and offer benefit insights.

COBRA Administration

We provide complete in-house COBRA administration. We enroll and maintain participants, track time frames, and collect and reimburse premiums.

Human Resource Services

We offer Human Resource consulting services to enhance and support our clients’ management responsibilities. These in-house services include compliance audit, employee handbook review, human resource trainings and seminars and performance review training.

Wellness Our in-house wellness department connects our clients to programs and resources, and also provides services to support their worksite wellness initiative.

HRconnectionWe offer our clients access to a customized employee website. This site can assist a human resource manager with open enrollment as well as communicate human resource and benefits information to employees and their families.

MyWaveThis web-based client center assists our clients with the dynamic world of insurance and employee benefits by offering them real time access to us as well as to an online library of benefits and human resource documents.

Compensation Statements

We will provide our clients’ employees with a customized statement illustrating each employee’s true annual income by detailing the amounts the employer contributes toward each employee’s benefits.

Our Services

your Current Broker

100 Premium Way | P.O. Box 5002 | Alamosa, CO 81101 | Phone 719.589.3611 | Fax: 719.589.02425585 Erindale Drive Suite 107 | P.O. Box 26465 | Colorado Springs, CO 80918 | Phone 719.528.1884 | Fax 866.847.59737300 E. Arapahoe Road | Centennial, CO 80112 | Phone 888.528.1884 | www.cia-leavitt.com


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