WORKSITE BENEFITS

Better Benefits and Less Hassle for Your Business.

Build an employee benefits program around the people who actually work for you.

Irwin Benefit Consulting helps employers educate their teams, explore benefit options, manage enrollment, and provide ongoing support — without traditional consulting fees or year-to-year contracts.

Personal guidance for employers and employees from enrollment through ongoing support.

Your Employees Aren't One-Size-Fits-All. Your Benefits Shouldn't Be Either.

We don't start with a predetermined package and try to fit your employees into it.

Our process begins by learning about your business and workforce. From there, we introduce relevant benefit options, educate employees on how they work, gather feedback, and help build an offering around the needs and interests of your team.

Understand Your Workforce

We start with your employee census and learn more about your organization.

Educate Your Team

Employees get the opportunity to learn about available coverage and ask real questions.

Measure Interest

Anonymous feedback helps determine which options matter most to your workforce.

Build With Purpose

Benefit offerings are shaped around your employees rather than a generic package.

A Hands-On Benefits Process From Start to Finish.

A CLEAR PROCESS BUILT AROUND YOUR BUSINESS AND YOUR PEOPLE.

1. LEARN ABOUT YOUR BUSINESS

We begin with your employee census, existing benefits, workforce needs, and the goals you have for your benefits program.

2. EDUCATE YOUR EMPLOYEES

We can meet with your team on-site and present available benefit options in a relaxed, educational setting — including catered employee meetings when appropriate.

3. GATHER FEEDBACK

After the presentation, employees can provide anonymous feedback to help gauge genuine interest in available benefits.

4. BUILD THE OFFERING

Using what we've learned, we help identify benefit options that make sense for your workforce.

5. HANDLE ENROLLMENT

We dedicate time to helping employees understand their selections and complete enrollment, with both on-site and online options available.

6. STAY INVOLVED

After enrollment, we continue supporting the business and its employees when coverage questions or claims issues arise.

Build a Benefits Package Employees Can Actually Use.

COVERAGE FOR YOU AND YOUR TEAM.

Depending on your workforce and available carrier options, your benefits package may include a combination of traditional and supplemental coverage.

Health

Health coverage options designed around the needs of your company's workforce.

Dental & Vision

Give employees access to additional protection for routine dental and vision care.

Life Insurance

Available options may include group term life, whole life, and other employee life insurance products.

Disability

Short- and long-term disability options can provide income protection following qualifying illnesses or injuries.

Accident Coverage

Supplemental accident coverage may provide additional benefits following qualifying covered events.

Cancer & Critical Illness

Coverage designed to provide additional financial protection following certain qualifying diagnoses.

Additional Options

Other available benefits may include hospital indemnity, annuities, and additional supplemental products depending on carrier and eligibility.

Employees Should Understand Their Benefits Before They Choose Them.

The goal isn't to sell employees as much coverage as possible. It's to help them make informed decisions they can feel comfortable with.

Insurance can be confusing — and many employees are naturally skeptical when someone starts talking about another policy.

We understand that.

That's why our approach isn't built around pressure. We explain how coverage works in real-life situations, answer questions openly, and give employees the information they need to make their own decisions.

EDUCATE

Explain coverage in practical, understandable terms for you and your employees.

ANSWER

Create an environment where employees can comfortably ask questions.

ENROLL RESPONSIBLY

Help employees consider coverage that makes sense for both their needs and budget.

We'll Handle the Heavy Lifting.

Once your benefit offering is ready, Irwin Benefit Consulting works directly with your employees throughout the enrollment process.

That means less confusion for employees and fewer benefit-related headaches falling back on management or payroll.

On-Site Enrollment

We can dedicate enrollment days to your business and work individually with employees as they make their selections.

Online Enrollment

When appropriate, employees can also access convenient digital enrollment options for their review.

Employee Questions

We remain available to help employees understand available options throughout the entire enrollment period.

Employer Communication

We work closely with ownership, management, or HR to keep the enrollment process organized and transparent.

We're Still Here After Enrollment Ends.

Choosing benefits is only one part of the relationship.

When an employee has a question, needs help understanding their coverage, or runs into a claims issue, Irwin Benefit Consulting helps bridge communication between the client and insurance carrier.

That gives employees a familiar point of contact while helping reduce the number of benefit questions employers have to manage internally.

Claims Assistance

Help employees navigate questions and communication surrounding eligible claims.

Carrier Communication

Serve as a point of contact between the client and carrier when assistance is needed.

Employee Support

Give employees somewhere they can turn to when coverage questions arise.

Responsive Service

Communication is a priority, with a goal of providing prompt responses to client questions.

Benefits Should Add Value — Not Create Buyer's Remorse.

  • AFFORDABILITY
  • AWARENESS
  • LONG-TERM VALUE
AFFORDABILITY

Keep the employee's overall financial picture in mind.

AWARENESS

Make sure employees understand what they're choosing.

LONG-TERM VALUE

Focus on coverage employees are comfortable maintaining.

An employee enrolling in coverage they can't comfortably maintain doesn't help anyone.

We encourage responsible enrollment and take affordability seriously when discussing supplemental and life insurance options with employees.

The objective is to help employees find meaningful protection without unnecessarily overextending their paycheck — while also helping employers avoid the frustration of repeatedly adding and removing payroll deductions shortly after enrollment.

A Benefit for Employers, Too

Providing employees with a trusted Medicare resource can also reduce the number of complicated transition questions falling back on ownership, management, or HR.

Help Employees Navigate the Move From Employer Coverage to Medicare.

For employees approaching Medicare eligibility or retirement, knowing what happens next can be confusing.

Irwin Benefit Consulting can provide education and individual guidance to help employees better understand the transition from employer-sponsored health coverage into Medicare.

Turning-65 education

Medicare Parts A & B guidance

Individual Medicare consultations

Retirement transition discussions

Medicare coverage education

Enrollment assistance

Annual Medicare plan reviews

More Than an Enrollment Meeting.

A Few Things Employers Often Ask.

1. Do you charge employers a consulting fee?

Irwin Benefit Consulting's worksite approach does not include a separate traditional consulting fee.

2. Do we have to sign a year-to-year contract?

Irwin Benefit Consulting does not structure its worksite relationships around year-to-year consulting contracts.

3. Do employees have to enroll?

No. The approach is educational and no-pressure. Employees can learn about available options and decide what, if any, coverage makes sense for them.

4. Can you meet with employees at our workplace?

Yes. On-site education and enrollment are an important part of the worksite process, depending on the needs and logistics of the employer.

5. Are online enrollment options available?

Yes. Online enrollment can be utilized when appropriate in addition to hands-on enrollment support.

6. What happens when an employee has a claim or coverage question?

Irwin Benefit Consulting remains available after enrollment and can help bridge communication between the employee, employer, and carrier when assistance is needed.

7. Can you help employees who are approaching Medicare?

Yes. Medicare transition support can be incorporated for employees approaching Medicare eligibility or retirement.

Let's Build Benefits Around Your Workforce.

Whether you're introducing employee benefits for the first time or looking for a more hands-on approach to an existing program, we'll help you explore options, educate your team, and create a process that works for your business.

A Health & Life Insurance Agency • Non-Government Entity

We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

CONTACT

(573) 645-6124 (TTY:711)

Springfield, MO

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