Charter Benefits Group - Group Health & Welfare Benefits Services

Group, Individual, and Voluntary Insurance benefits with recognized major regional and national carriers.
Managed Care (HMOs), Preferred Provider (PPOs), Self-funded and/or Traditional Indemnity plan model options available.
Medical insurance, Life Insurance, Dental Insurance, Short-term Disability, Long-term Disability, Vision coverage.
Supplemental Life Insurance, Long-term Care (LTC), Cancer coverage.
Consumer Directed Benefits, Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA), Flexible Spending Accounts (FSA), etc.
Retirement benefits, Pension Plans, 401k, Profit Sharing, Key Person Coverage, Buy-Sell funding arrangements.

Needs analysis, goals and objectives analysis.
Plan modeling, design & selection analysis.
Rating and cost reallocation underwriting services.
Claims analysis - diagnosis driven wellness programs design -proprietary CBG peer-to-peer case management .
Benchmarking and benefits programs analysis tools .
Financial impact projection analysis - Actuarial renewal projection tools.
Assessment of risk to coverage analysis.
Retirement benefits, Pension Plans, 401k, Profit Sharing, Key Person Coverage, Buy-Sell funding arrangements.

Management & Employee internet access portals.
ERISA, DoL, HIPAA compliance.
Custom employee benefits web-site design (Proprietary Q-Portals) and implimentation .
HR management compliance libraries services, Legal resource libraries, 24/7 online support with employee compliance information.
Consumer Directed Plans, Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA), Flexible Spending Accounts (FSA), etc.

...benefits solutions for a changing world...