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Alera Group
Practice

Employee Benefits

Benefits strategy and brokerage for employers of every size. Your local team runs the relationship and brings in national specialists when the work calls for them.

Talk to a benefits team

Solutions, in three groups

We organize the work in three groups. Each is a set of services your local team can draw on, alone or together.

Optimized solutions

Plan design, funding and cost, worked out with data.

  • Health plan strategy Plan design and contribution strategy, set against your goals and your workforce.
  • Alternative funding Level-funded and self-funded options, with a plain look at the risk each one carries.
  • Captives Group captive arrangements for employers who want more say over medical stop-loss.
  • Pharmacy Pharmacy benefit reviews, contract terms and the questions to put to your PBM.
  • Benchmarking How your plans compare with employers of a similar size, region and industry.
  • Actuarial Claims projections, reserve estimates and pricing analysis.
  • Population health analytics Claims and utilization data turned into a clear picture of where care and cost are heading.
  • Carrier and vendor renewals Renewals taken to the market and laid out side by side before you decide.

Personal partnerships

Programs your employees notice and use.

  • Wellbeing Wellbeing programs designed around your people rather than picked from a catalog.
  • Voluntary benefits Voluntary coverage and enrollment support that employees can follow.
  • Communications Enrollment materials, benefit guides and year-round messages written for the people who read them.
  • Individual coverage and Medicare Help for people moving between coverage, including those approaching Medicare.
  • Absence management Leave and absence programs, coordinated with disability coverage and the rules that apply.
  • Life and disability Group life and disability coverage, placed and reviewed with the rest of the program.

National collaboration

Specialists the whole firm shares.

  • Compliance Help with ACA, COBRA and ERISA obligations, and legal alerts when the rules change.
  • HR consulting HR advice, recruiting support, HR technology and compensation work.
  • Administration Benefits administration, including COBRA, Section 125 plans and spending accounts.
  • PEO Guidance on professional employer organizations: when one fits and what to compare.
  • International Benefits for employees who live or travel outside the United States.
  • Total program management One team coordinating carriers, vendors and renewals across the whole program.

By size of organization

How a local team works with national specialists

Three steps, repeated every plan year.

  1. Learn the organization

    Your local team starts with your people, your budget and the plan you have today.

  2. Bring in the right specialists

    Actuarial, pharmacy, compliance or HR specialists join when the questions call for them.

  3. Stay with it through the year

    Renewal is one moment in a year of service: enrollment, employee questions, rule changes and the next plan year.

Compliance in plain terms

Benefits come with rules: the Affordable Care Act, COBRA, ERISA, plan documents and the filings that go with them. The compliance team follows the changes and sends legal alerts when something affects employers, and your local team helps you act on them.

We explain what a rule asks of you. Your own counsel advises on your particular situation.

Talk to a benefits team

Bring the plan you have today and the questions it raises. A local team will take it from there.

(847) 457-3000 Headquarters, Deerfield, Illinois

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