Digital Employee Management Solutions for Groups size 2-100

One Call Does it all!

Dublin Health and Benefit Group, LLc has expanded it’s team, and is offering more services!

New Digital Employee Management Solutions for Groups size 2-100 have been added to the menu of group employee benefit products.

Are you ready for a new digital employee management solution to help you move your employee files online? Our digital employee platform makes it easy for even non-tech savvy employers and managers. This secure platform will help move your workplace to a whole new level as you begin to implement the following employee management processes online:

  • Digital employee files with 7 year record retention
  • Online new hire on-boarding online complete with digital signing of I-9 and W4 forms
  • Employee time off management system with mobile app
  • Integrative solutions to work with select payroll processing companies, and employee benefits administration.

Paired with our HR Solutions software you can also enjoy:

  • Compliance and risk management resources
  • Workplace safety learning library
  • HR Advisors hotline with unlimited access for advising
  • Handbook builder tool
  • more…!

One call does it all! Dublin Health & Benefit Group LLc is a great resource providing group benefit solutions throughout New Hampshire.

In case you didn’t know it, here is what we offer for groups, individuals and Medicare clients:

  • Health, dental, vision insurance
  • Life, STD/LTD, critical illness, accident insurance,voluntary life
  • HR outsourced solutions- advisors, compliance tools
  • Flexible spending accounts/ Health reimbursement /Health savings account solutions
  • Cobra administration solutions
  • Group, Individual, Medicare Supplements and Advantage plans, Part D – health insurance
  • Short term medical insurance
  • International travel and medical insurance

One call does it all! Dublin Health & Benefit Group LLc 603-563-8820

Employee Benefits x104

Individual and Medicare x101 and x109

Adding Low Cost, High-Value Insurance during Pandemic

Adding Low-cost, High-value Benefits during Pandemic

 

If you are an employer who has been impacted by staffing and payroll challenges during this COVID-19 Pandemic crisis, you’re not alone. A large majority of NH businesses anticipate a significant decrease in revenue resulting from state shut-down mandates, classification of essential vs. non-essential workplaces, and quarantine related staffing challenges. It’s no wonder groups are now looking at adding low-cost, high-value benefits during pandemic times.

Low-cost, High-value Benefits

Low-cost, High-value Benefits like ancillary benefits ( Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance) provide great financial security to employees concerned over unplanned medical events. An employee who is out is going to juggle not only their medical recovery needs, but also the priority of paying their bills. This raises the question for employers, how will they continue paying their share of health insurance?

When Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance are offered, it is very simple to include a voluntary critical illness or accident insurance policy which is paid for 100% by the employee. Because who isn’t worried about accidents and cancer devastating our very comfortable and familiar lifestyle? And if you offered these benefits now, just think about the relief any employee will have when a medical leave is inevitable.

Quarantine Benefit Rider

Groups with a Quarantine Benefit Rider embedded in their Short-term disability policy, brings an added financial benefit to employees, particularly right now. Should an employee be required to “quarantine” without illness, the Quarantine Benefit Rider act like a short-term disability policy and will continue 60% of their pay. While certain terms will apply, the rider protects the employee from severe financial disruption while helping the employer keep their workplace healthy and productive. I should add that this rider is no longer offered with NEW quotes from Guardian but the carrier will honor the proposals dated shortly prior to the events of COVID-19 for a brief period of time.

Not only are we independent, bringing you access to quotes from ALL carriers, but we specialize in benefits portfolio designing!

We, at Dublin Health & Benefit Group, LLc, offer a comprehensive approach to benefits portfolio designing, tailored specifically to the unique needs of each employer group. Often a new group will begin with just what they came for, a group health plan. But as we learn about the group and start to see cost saving options that will bring added value, we will bring it whether the solution is offered through us, a vendor or partner. Our partners work closely with us and our group clients on customized benefits portfolio designs!

Dublin Health & Benefit Group LLc has offered Group, Individual, and Medicare insurance throughout New Hampshire since 2005. With over 30 years of experience, our friendly Employee Benefit Brokers will treat your employees like family. We truly act like an HR-benefits branch for each of our group clients as designed, making ourselves very approachable by employees at all levels.

 

Quote your group with Dublin Health & Benefit Group, LLc and receive a FREE trial to our outsourced HR solutions!

  • Rebuild your handbook
  • Tap into workplace compliance resources
  • Complete free professional development and compliance training e-learning course
  • Seek HR advising for your most complex HR/employee management workplace

Extended subscription may also include OSHA 10 hour general industry training courses, workplace safety courses, equipment safety courses …and more!

Companies with 15+ employees may subscribe to our Employee Onboarding tools, offering a secure workplace portal to manage employee onboarding, digital employee files, and a time-off management calendar.

If you’re interested in quotes to add low-cost, high-value benefits for your team,

Call Dublin Health & Benefit Group, LLc today for a group quote!

Individual Insurance * Medicare * Group Insurance

603-563-8820 x104

 

 

 

 

 

 

 

 

Employer Guideline: Implementing a New Group Health Benefit

We all know that health insurance and other health-related benefits are highly sought out by individuals in the job search market. The benefits can support a group’s employee attraction and retention efforts, creating a culture in the workplace of security both in the health and financial arenas.

Dublin Health & Benefit Group LLC has brought group benefits to New Hampshire companies since 2005. We offer health benefits, dental, vision, life, accidental death and dismemberment, short term and long term disability insurance, accident insurance, and other enhancements. We support groups in their long-term goals by bringing them the tools to maintain stability in their organization through employee health benefit programs.

Below please find some common topics employers often want to ask us about. If you find you have further questions or would like to speak with one of our small group brokers about implementing a group benefits plan, we welcome you to contact us directly at 603-563-8820. We look forward to working with you and your employees!

Group benefits are more stable than the Obamacare insurance on the individual marketplace

The individually insured middle class will most understand this. Those earning just above the tax credit threshold (established annually by the federal government) are paying 100% of the cost of their health plan on Obamacare’s individual marketplace. While Dublin Health & Benefit Group enrolls individuals in the individual marketplace, advises them on strategies for capturing a tax credit, not everyone can qualify. There is great stress experienced each year by individuals insured on the marketplace. Having access to their company group plan can relieve these individuals greatly, taking the burden and hassles these individuals face each year on the individual marketplace.

Group health plans are richer, often offering access to out of state providers, and are offered at a more reasonable premium often partially or fully funded by their employer.

Funding a group plan can be a tax-deductible expense for employer and employee

Employer-funded group plans become a tax-deductible expense to the employer by reducing the gross annual income. Employee contributions toward their group health plan may be set up as a pre-tax payroll deduction (we can assist with completing a Section 125 Premium only plan).

Offering benefits to a subgroup of employees

Some small group carriers will ensure small groups who wish to “class out” a subgroup of their company to offer benefits. We have put this in place for groups with a large number of part-time employees who we did not offer benefits to. Another way to “class out” is to offer benefits to those paid on a salary versus hourly basis. It is possible, still, to offer benefits to the executive/management division though we must assess each group on a case by case basis to determine the most viable and sensible way of “classing out” a subgroup of the company.

How much should an employer fund?

Some employers fund 100% the employee and their dependent rate. Others fund 75%. Yet still, others fund just the employee rate. Depending on your organizational culture, employee need and salaries, the employer contribution level we recommend for a group will always be customized to take into consideration just what is necessary to meet the 75% (of eligible employees) participation rate.

We also want to recommend that you don’t fund so much so as to “buy” spouses off of their own company plan. We strive to capture and ensure only those who most need health insurance.

We’ve found that underfunding a plan ensures the plans imminent death with just a few staffing changes within a short amount of time and is not our recommendation for a growing and thriving business who values their employees.

A benefit is easier to give than to take away

Employer-funded contributions should be enough to encourage a consistent participate rate, as required by the carrier for a new plan, and each consecutive year at time of renewal. In New Hampshire, the small group carriers require 75% of all eligible employees to enrolled in the group health plan if there is a plan being offered. The formula for calculating eligible employees depends on several factors, and a qualified Broker from our company can discern this with the company owner, HR staff, or person in charge of implementing the plan.

What type of Brokerage agency will best serve a group’s needs?

Dublin Health & Benefit Group, LLC specializes in providing small group, individual, and Medicare health benefits. As our niche, we work with our clients to bring them the best-aligned product for their needs, as the lowest cost.

As independent brokers (we are not “captive agents”) we are able to shop all of the small group benefit carriers available to the New Hampshire small group market.

One agent, many products, multiple carriers = best value!

How are brokers compensated?

There are few exceptions, though in most circumstances our services are compensated by the carriers at the time of enrollment and monthly for the duration of the plan. Any group enrolling in a group plan, at any time of the year, through Dublin Health & Benefit Group can anticipate that we will be paid by the carrier. We continue to serve you, your employees, and the plan throughout the year even after enrollment.