Employer Services

For the past 30 years

Financial Designs has provided countless clients with top-tier service and support in selecting, implementing and managing employee benefits packages. As a family-owned business, we value our relationships and prioritize your company’s needs and budget when negotiating with providers to build your benefits packages. Our team manages the entire process from our user-friendly digital enrollment platform, EASE to our Financial Designs Concierge Team providing high-quality service to your employees should they have questions about providers, claims and more. Plus, Financial Designs provides additional services to your company, at no additional cost to you, including Business Consulting, HR Support, and more.

We go above and beyond what a typical agency provides because we truly care about what we do and the relationships we build. Think of us as an extension of your management team, ensuring all the small details are taken care of so you can focus on growing your business. We look forward to providing one-of-a-kind service to your business.
 

Benefits For Your Employees

Rather than being tied to the products of one provider, Financial Designs offers our clients quotes from multiple top-tier providers to give you flexibility in both plans and pricing. We are happy to provide estimates to companies of all sizes, including those with 5 employees up to 500 and beyond. Learn more about our carriers here.

Health Insurance

Health insurance (also known as medical insurance) covers medical costs for illness, injuries and conditions. Group health insurance plans typically will offer better coverage and lower premiums than individual plans.
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Vision
Plans

Vision insurance covers annual eye examinations and costs including glasses, and contacts.
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Dental
Plans

Dental insurance covers annual dental examinations and costs of dental care.
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Disability policies

Disability is a form of insurance that protects a portion of an employee’s income in case they experience an illness or injury that prevents them from working. There are two types of disability insurance, short-term and long-term.
see more

Life
Insurance

Life Insurance is a source of providing strong financial support to your employee and their family members after they pass on. Life insurance is an integral part of strong financial planning.
see more

FD Concierge Team

The Concierge Team is a group of insurance specialists who are able to answer your employee’s questions or concerns about their benefits.
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Services For Your Business

In addition to managing and implementing your benefits package, Financial Designs offers additional services to create a comprehensive solution for your HR needs. Offered by our premier partners, on behalf of Financial Designs, we work with your team to identify which services may best aid your needs to achieve the company goals. Rest easy knowing you have experts and trusted partners in each respective field.

Plus, unlike PEOs, there are no administrative fees.

HR Services

Our team will support your HR department and introduce new technologies that reduce the amount of paperwork and manual labor required each day.
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Prayroll services

Automatically process payroll calculations, payroll tax statements, year-end taxes and more. We ensure your employees and taxes are paid accurately and on-time. This service is provided by a trusted partner on behalf of Financial Designs.

Financial Designs Wealth

A full service financial advising firm, assisting you with planning for a sound financial future. Services include financial planning, estate planning, asset protection, retirement planning and more.
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Financial Designs Premiere Partnerships

Human Capital Management

Technology can take your business to the next level by using automation to eliminate daily tasks that would typically take a significant amount of time and cut into overall productivity.
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Wordkers' Compensation

Managing your Worker’s Compensation Insurance Program is an essential part of your business. A proactive approach to managing safety and claims in your workplace will help prevent accidents, lower overhead costs and future insurance costs.
see more

Group Retirement (401K)

Offering your employees the right retirement plan is key for retention and a happy work environment. However choosing the right plan can be challenging due to constantly changing rules and regulations.
see more

Planning For Your Future

A full service financial advising firm, assisting you with planning for a sound financial future. Services include financial planning, estate planning, asset protection, retirement planning and more.

For more information visit www.financialdesignswealth.com

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Health Insurance

About the Service: Health insurance (also known as medical insurance) covers medical costs for illness, injuries and conditions. Group health insurance plans typically will offer better coverage and lower premiums than individual plans. 

Why it’s important to offer: Providing health insurance to your team has many benefits including:

Encourage Employee Wellness: When employers offer their employees health insurance coverage, the employees feel valued and protected by their company. It is an easy way to provide value in working for you. Encouraging employees to maintain a healthy lifestyle, and be proactive with preventative care, can keep them from developing serious illnesses that prevent them from working.

Attract and Retain top talent to your team: Health Insurance has become one of the most important offerings when employees search for new opportunities. Offering health insurance will both keep current talent satisfied with their employer while also attracting new talent who may be interested in joining your company. Health insurance may be the deciding factor when a prospective employee is choosing where to work.

Tax advantages: The portion of your employee’s premium that you cover can be deducted from your federal and state taxes. This means that you’re offering a benefit that provides immense value, while also being able to find cost-savings through annual deductions.

In some cases you may be required to offer health insurance based on current legislation. Today, companies with 50 or more full-time employees are required to offer health coverage.

 

The process/additional information: There are thousands of health insurance plans in the marketplace and it is important to find one that provides the most value to you and your employees. We take the time to understand your team’s needs and budget before reviewing carriers and plans to find what fits best for your team.Our goal is to find a cost effective plan that employees are actually able to use! With the right agency, low deductible plans won’t always come with a high price tag.

Vision Plans

About the Service: Vision insurance covers annual eye examinations and costs including glasses, and contacts. 

Benefits to employees: Similar to health insurance, routine eye exams are crucial to identifying and preventing illnesses and diseases. 

Why it’s important to offer: Vision Insurance is important for employers to provide to their team who are most likely spending hours each day looking at computer screens. In fact, studies show that employers who offer vision benefits can save up to $5.8 billion over four years by encouraging employees to seek preventative care and annual eye exams through their plan. (HCMS Group) Plus, employers can offer vision insurance at zero cost. Meaning you’re providing a great benefit without hurting your bottom line.

The process/additional information: Tiny details can make or break quality vision coverage, meaning that it’s important to look at the fine print before choosing a plan. Our team pays attention to important factors including waiting periods, annual maximums and more when selecting plan options for you.

Dental Plans

About the Service: Dental insurance covers annual dental examinations and costs of dental care.

Benefits to employees: Annual dental cleanings are crucial and have been proven to reduce the risk of serious health issues including heart disease and stroke.

Why it’s important: Providing a fully rounded benefits package that covers the entire health and well-being of your employees is important. Offering dental and vision in addition to health insurance tells employees that they are valued and their health is important. If you have ever had major dental work done, you are aware of the major price tag that comes along with it. Help employees cover those costs with a dental plan. 

The process/additional information: The options are endless when it comes to dental plans. We take the time to wade through multiple carriers and options to find the right dental plan for you and your team. 

Disability Policies

About the Service: Disability is a form of insurance that protects a portion of an employee’s income in case they experience an illness or injury that prevents them from working. There are two types of disability insurance, short-term and long-term. The primary difference between the two types is the period of time the benefits can be used.

Benefits of the Service: Offering disability insurance to your employees ensures that they are protected should they encounter any type of severe illness or injury. 

Why it’s important: If an employee becomes disabled, besides all the bills and lifestyle adjustment costs that come with the disability, they also at times have a loss of income due to not being able to work. A disability is an unforeseeable life event and by offering STD or LTD, you are able to offer a little financial peace.

Life Insurance

About the Service: Life Insurance is a source of providing strong financial support to your employee and their family members after they pass on. Life insurance is an integral part of strong financial planning.

Benefits of the Service: Life insurance can protect the family or the dependents of your employee from hardship.

Why it’s important :By offering life insurance, you are offering financial security to your employees in the case of an unthinkable tragedy.

The process/additional information: There are many different types of group life insurance options that can be offered to employers. Whether you are looking to cover a flat benefit to cover arrangement costs or offer a larger death benefit to help cover any additional costs, we are here to ensure that your employees’ families will be taken care of.

FD Concierge Team

Your team is in good hands. When you become a Financial Designs client, not only do we provide high-quality employee benefits packages to your team, but we also become a support team for your employees.

What is the FD Concierge Team? The Concierge Team is a group of insurance specialists who are able to answer your employee’s questions or concerns about their benefits. Our FD Concierge Team is what sets us apart from the many agencies out there. Not to mention, this service is included at no additional cost for all of our clients!

We have two teams of specialists on our staff:

Claims Team: Our claims team is able to handle pesky claims issues. No more calling 1-800 numbers and waiting on hold for hours.

Common claim issues include:

  • Receiving an incorrect bill
  • Assistance with GAP insurance
  • Medication Issues
  • Prior Authorization Issues
  • and more.

Service Team Our service team is here to assist with questions and concerns not related to billing.

Common service issues include:

  • Replace an insurance ID card
  • Find an in-network provider
  • and more.

Both the claims and service teams are available to your staff year-round, at no additional cost to you. This service is our way of keeping insurance headache free for both you and your team!

About the Service: Two teams handling claims and services issues for our clients and their employees. We contact carriers on your behalf to handle billing issues, ordering new ID cards and more.

Benefits of the Service: Our concierge team helps save your employees’ time by assisting with any and all claims and service issues. (Offload some of the non -revenue generating tasks/distractions so you can focus on strategies that drive growth.)

Your employees won’t spend the time and go through the hassle of calling carriers on their own, spending time on the phone trying to understand bills and policies. Our staff takes the headache out of these issues and handles them for you. As a client of Financial Designs, our team acts as your health advocate, making sure that your benefits are working for you. Plus, it’s easy to submit a claim or service request online or via phone.

Why it’s important: We are the only agency that offers this service free of charge, just for being a client of Financial Designs. We know there are thousands of agencies available to you, and this is our way of being a cut above the rest – by providing this time and money saving service that shows that we truly care about your team.

The process/additional information: We provide this service automatically when you become a client of Financial Designs. We’ll provide you the resources on how to contact our team should you need assistance with a service of claims issue.

Human Resources Support

About the Service: Our team will support your HR department and introduce new technologies that reduce the amount of paperwork and manual labor required each day. We tackle all things surrounding an employee’s life cycle, including benefits administration, filing of documents, HR guidance and more, making sure that you are informed and your department is running like a well-oiled machine. 

Benefits Administration: As a client of Financial Designs, we manage benefits administration on your behalf, using a state-of-the-art digital enrollment platform. Automating benefits administration allows a more streamlined process when enrolling in benefits and also keeps important documents organized and easily accessible to your team. A digital platform also reduces the risk of incorrect information or mistakes that can occur when done manually that can result in fines.. 

Filing Support: Our team will communicate with you on important filing deadlines and paperwork required. We’ll walk you through the filing process of documents including, 6055, 1094-B, 1095-B and more.

HR Support Platform: As a client of Financial Designs you’ll gain access to Mineral HR – a tool that provides forms, policies and handbooks; simplifies research and compliance requirements on subjects including ERISA, FMLA, COBRA and HIPAA and delivers general HR guidance. Plus, with Mineral you will have a team of HR certified professionals at your fingertips. Call or chat via the Mineral website to quickly resolve any and all HR-related questions that may pop-up.

Stay In The Know: We offer continuous monitoring of current legislation and regulations, to ensure that your company is always informed and guided when it comes to the ever-changing landscape of HR, employment law and healthcare.

Why it’s important: Today, HR departments are being asked to take on more work and responsibility than ever before. We believe that cutting edge technology allows HR professionals to improve three core areas of their department including productivity, organization and employee engagement. By relying on a digital system that performs 90% of the work that would typically be done manually, HR employees have additional time to connect and interact with employees, therefore building a more connected employee culture. A high-functioning and reliable HR department can have positive effects company-wide. 

The process/additional information: These services are included as a client of Financial Designs. We’ll assist in setting up the platforms on your behalf and work together to make sure everything is running smoothly. 

Financial Designs Wealth

About the Service: A full service financial advising firm, assisting you with planning for a sound financial future. Services include financial planning, estate planning, asset protection, retirement planning and more.

Benefits of the Service: Business owners oftentimes are solely focused on the growth and success of their business, rarely recognizing how important it is to maintain their personal finances and plan for their future. Our team specializes in the financial planning for business owners, ensuring that you and your future generations are well taken care of. While you continue to focus on your business – let our team be focused on YOU. 

The process/additional information: If you’re interested in taking the next step to planning for your future, contact one of our Certified Financial Planners. We’ll take the time to get to know you, your current financial situation and your goals for the future. From there, we’ll build a plan together to help you achieve those goals and leave you and your family feeling safe and secure.

Human Capital Management

About the Service: Technology can take your business to the next level by using automation to eliminate daily tasks that would typically take a significant amount of time and cut into overall productivity. Our firm helps you select and determine the appropriate technology providers to solve your pain points and be proactive with your future needs. 

Areas of Service:

  • Talent Acquisition
  • Time Management
  • Payroll & Tax
  • Integrations

Preferred vendors include: ADP, ADP TotalSource, ADP RUN, ADP WorkForce Now, ADP Comprehensive Services, Paychex, Paylocity, Paycor, PayComm, Bamboo HR, Rippling, CoAdvantage and more.

Why it’s important: With the right technology, you are able to achieve your goals faster and more efficiently.

The process/additional information: Our HCM director will visit your company and spend time with your team in order to better understand your current processes and the day-to-day pain points you encounter. From there, we will make recommendations on how you can streamline and automate processes by using new technology platforms. We’ll then begin to negotiate on your behalf with our preferred vendors, to ensure that you receive a favorable implementation package.

Workers Compensation

About the Service: Managing your Worker’s Compensation Insurance Program is an essential part of your business. A proactive approach to managing safety and claims in your workplace will help prevent accidents, lower overhead costs and future insurance costs.

Benefits of the Service: Financial Designs partners with our premiere partner, Eastern Insurance Group, who provides assistance to employers seeking to improve their safety culture and claim costs. We will review your current safety program, open claims and conduct an inspection of your facility/workplace. 

After conducting this review, we will provide you with the following items in order to improve your overall risk program:

  • Dedicated Worker’s Compensation Clinic
  • Dedicated Claims Adjuster
  • Dedicated Claims Manager
  • Dedicated Worker’s Compensation Legal Counsel
  • Suggestions to improve your written safety program
  • Safety Training such as OSHA 10 hour course, Competent Person Training, Forklift Training, Tool Box Talks
  • Human Resources Consultant available for questions

 

Why it’s important: Improved Safety Culture, additional resources in safety, claims, and human resources. 

The process/additional information:A safer workplace, training opportunities, and quick responses to worker’s compensation related questions.

Group Retirement (401K)

About the Service: Offering your employees the right retirement plan is key for retention and a happy work environment. However choosing the right plan can be challenging due to constantly changing rules and regulations. Financial Designs partners with The 401(k) Lab, a financial services firm located in Miami, Florida that specializes in corporate retirement plans. Currently The 401(k) Lab team oversees over 250 plans.

Why is it important to plan for retirement? Offering a qualified retirement plan is an ideal way to attract and retain highly qualified employees.

Benefits of the Service for employer:

-Create positive employee relations. Helping to attract and retain quality employees and reducing turnover.

-Tax advantages: eligible contributions are deductible expenses to your business.

Benefits of the Service for employee:

-Contributing to a retirement plan now can help employees meet their future financial and retirement goals.

-Tax advantages

What is the process when an employer is interested in offering a 401k to their team? There are two paths that we take:

1 For companies that don’t currently have a plan, we request a census and a meeting with the potential client to complete a needs analysis (why they want a plan and how it will benefit the company.)

2 For companies that have existing plans, our team will take time to closely analyze the existing plan before making recommendations on where plan improvements can be made.

How do you assist in implementation/maintenance? When you’ve selected the plan that best fits your needs, our team will handle the analysis, onboarding and ongoing servicing of the plan. We’ll be there to answer any questions you or your employee might have about their plan and how best to utilize it and prepare for retirement. Plus, we’ll conduct an annual review of the plan, to ensure that it is offering the most efficient investment options for your team.