Group Benefits

The “Managed” approach to Group Benefit Plans

At GEM Financial, we use a “Managed Approach” to Group Benefit plans. Whereas the traditional role of a Group Benefit carrier is claims adjudication, we take an active, managed approach to minimize risk associated with rising costs, runaway claims, tax inefficiency, and hidden liabilities.

For example:

• Through proper disability management, disability claims can be 30% shorter.
• A well designed Employee wellness plan, can reduce drug costs and other health care costs by over 12%
• A good fraud prevention strategy can reduce claims by 8%.

These are just a few examples of how a Managed approach to Group Benefit plans can help keep costs in check while enhancing the welfare and morale of your employees.

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