Employee Benefits

St. Clair Insurance Services is a full service employee benefits brokerage. Whether you’re looking to start offering benefits to your employees or optimize your current offering, we can design cost-effective and comprehensive benefits packages that meet your goals. Benefits can be a deciding factor when attracting new talent or retaining current employees. We ensure your company’s offering is competitive with a full range of products.

  • PPO, HMO, EPO, & Indemnity

    Fully Insured, Level Funded, & Self Funded

  • Preventative, Basic, Major, & Speciality

  • Group, Term, Whole, Universal, Variable, Variable Universal

  • Prescriptions and Rebates

  • Short & Long Term coverage that helps employees pay for everyday expenses if they are unable to work

  • Accounts for employees to save & spend money for health expenses

  • Help employees save for the future

  • Programs that keep employees engaged and healthy

When you choose us, you get…

Benefit Admin Technology

  • Online enrollment for each coverage

  • Employee access to all of their benefits right on their phone

  • Contribution calculation and payroll integrations to make deductions easy

  • Integration with insurance carriers for efficient mid-year management

  • Electronic forms to help stay compliant

HR Support

  • Get answers to complex questions from real HR experts

  • Stay up to date on the latest compliance regulations with HR software

  • Online access to a training library

  • Courses and progress tracking for workplace trainings

  • Smart employee handbooks

Benefits Management

  • Help with adds/terms/changes throughout the year

  • Monthly claims review when available

  • Quarterly plan performance review

  • Renewal negotiation & marketing to ensure you have the best plan possible

  • Annual compliance review

Compliance Assistance

  • ACA (Affordable Care Act)

  • State laws and regulations

  • ERISA (Employee Retirement Income Security Act)

  • HIPAA (Health Insurance Portability and Accountability Act)

  • COBRA (Consolidated Omnibus Budget Reconciliation Act)

  • FMLA (Family and Medical Leave Act)

How it works

1.

Consultation

Our team will meet with you to discuss your company's specific needs and goals for employee benefits. We'll gather information about your workforce and budget, and tailor recommendations to your company.

2.

Proposal

We'll use the information from the consultation to create benefit options and quotes for your company. We'll present these options and explain each plan's costs, coverage, and features.

3.

Enrollment

We'll assist with enrollment, including preparing and distributing necessary documents, setting up an HR technology for online enrollment, answering employee questions, and helping with any technical issues.

4.

Management

We'll handle renewals, updates, and compliance issues, and assist employees with any issues or questions regarding their benefits. We'll work to keep your employee benefits program effective and sustainable.

Get in touch.

We will reach out to you right away.