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Employee Benefits Strategies:

Today’s employee benefit environment is difficult, forcing employers to become more creative with their employee benefits dollars. We fully understand that employee benefits and specifically healthcare costs rank within the top four (4) expenditures of many companies each year.  We also understand that every benefit program has distinctly different goals.  GBS listens to what is important to you, and works together with you to create a program that meets your specific goals.

Proper planning is critical to yielding better financial and clinical outcomes for both the employer and its plan members.  Using a full array of cutting edge technology assets, GBS can develop an employee benefit program and an administrative platform that will allow your organization to leverage our technology and lower your employee benefit costs.  What goals do you have for your organization?  Let us work with you to fine tune these goals into a long-term program that is purpose driven towards success.

At times, employers may lose sight of some important areas when contemplating changes to their program.  The following are just a few of the important questions that GBS will thoroughly investigate with you when considering a change to your employee benefit program:

* What will be the full administrative impact of making a change?

* If I am bundling coverage's, am I sacrificing cost in exchange of an administrative efficiency?

* How does the proposed provider base compare to my present as it relates to provider access, cost of services,
   breadth of network, available specialists within that network?

* If I have a plan member that requires special treatment and a specific provider, how will that claim be treated
   (need to be very specific)?

* How does the potential change impact my firm's balance sheet (unfunded liabilities)?

*Will coverage that I offer conflict with or drive up other benefit costs (unintended consequences)?

* If I have multiple locations, what would the impact be for all employees (administration, network access, etc)?

* Will the change lead towards compliance in the future changes of healthcare reform?

The following are some of the benefit components that we will work with you on in order to evolve and develop your employee benefit program into a powerful "tool" for the growth of your business:

* Health Programs
* Dental Insurance
* Vision Insurance
* Short Term Disability
* Long Term Disability
* Life Insurance (All Layers)
* Flexible Spending Accounts (FSA)
* COBRA Administration
* HIPAA Administration
* Pension Services

Let's work together to find a way to develop a comprehensive package that is easy to administer and that will save you money.  The net result will be improved member satisfaction and a tool that will help you get and retain good quality employees and secure the results you need!  Take the first step and 
contact us and we will begin working with you immediately.


Securities offered through Nicol Investors Corporation (NIC) Member FINRA and SIPC 
#1 Executive Park, Granite City, IL 62040-0907, Phone: (618) 931-3267, GBS and NIC are separate firms not affiliated with each other.

   GBS Investment Services, Inc.
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