Life, Health & Employee Benefits

ISA knows that a top priority for its business clients is the ability to
offer a strong, competitive, sustainable benefi ts package to its employees.
Helping employers construct the right package for their employees and
for their benefi ts budget begins with ISA’s role as an insurance advisor.
This process includes needs analysis, plan analysis, market studies,
recommendations for improvement and a thorough “shop” of the market.
ISA then presents the best option(s) for employer review.

Upon selection of coverages, ISA partners with the customer to achieve
the most effective plan implementation, employee communication and
enrollment. ISA also assists with plan administration and problem resolution,
and conducts periodic and annual plan reviews. In addition to group employee
benefits, ISA offers a variety of life and health benefi ts to individuals.

The ISA Life, Health & Employee Benefi ts division is committed to its clients’
best interests with a highly experienced and knowledgeable staff, responsive
support systems, competitive rates from a diverse portfolio of carriers,
advanced methods and uncompromising service.

The ISA Life, Health & Employee Benefi ts division offers a total service
package, customized to the needs of each customer. Some of the services
offered are:

 Plan Design and Implementation
 Employee Benefi ts Communication and Enrollments
 Periodic and Annual Plan Reviews
 Topical Workshops
 Human Resource Support Services.

What Small Employers Should Know About Group Health Insurance

Small employers face unique challenges in today’s benefi ts environment.
North Carolina’s Small Group Reform Act helps employers with fewer than 50
employees access affordable health insurance. Here are a few key points to
consider when developing your benefi ts plan:

 The company must be located in and be incorporated, registered or
licensed to do business in North Carolina.

 Plans are available on a “guaranteed issue” basis. Carriers may limit
plan designs, and not all plans are available statewide.

 Benefi ts must be available to all eligible full-time employees. “Eligible” is defined as permanent employees working 30 or more hours per week. Seasonal and temporary employees are excluded.

 Employers must contribute at least 50% of the employee only premium, and 75% of the employees not covered by other group or government insurance must participate.

 Employers are responsible for administering the plan and will need
to understand carrier requirements, employees’ rights to enrollment,
benefi ts and continuation of coverage, as well as federal mandates such as ERISA, COBRA and HIPAA.

ISA’s benefi ts team is well versed in the complexities of designing a viable
plan for the small employer. The agency’s commitment to maintaining the
highest level of knowledge and professionalism, and to protecting the best
interests of clients, make ISA an ideal benefi ts partner.