Employee Benefit Group Services - COBRA Administration, Flexible Spending Account Administrators, and more

CORE ACCOUNT MANAGEMENT Services

Group Benefits Administration

The complexities of employee benefit administration continue to escalate.  Regulatory actions and strict carrier reporting requirements weigh down human resource departments with labor-intensive critical tasks that demand rigid attention to detail to ensure the success of benefit programs. 

Outsourcing administration with J.S. Clark's Group Administration team ensures streamlined benefit management.  We deliver solutions efficiently and accurately.  From the date of hire to termination and beyond, all information is channeled to our office to allow your staff to be more productive.

We implement Administration Services through the designation of an employer group contact. Our Account Manager will communicate regularly with this designated individual regarding the administration of the group benefit plan.  We then set up a Workspace for the employer group.  We contact carriers to establish third party administration authorization and create and customize an employee roster.  We then complete an installation audit and perform account maintenance.  Throughout this process, we are in constant contact with the employer group contact to ensure accuracy throughout the implementation process.  Once in place, the Administrative Services department is available at any time for questions from your Human Resources department.

Cobra Administration

In 1985, Congress enacted continuation health care coverage requirements in Title X of the Consolidated Omnibus Budget Reconciliation Act of 1985, commonly referred to as “COBRA”. Employers who average 20 or more total employees (including full-time and part-time employees) on 50% of their working days in the previous calendar year are subject to COBRA. In today’s economic times, when resources are strained, dedicating a person or personnel to manage and administer your COBRA benefits is a luxury most can’t afford.  Save yourself time and money by bringing on our COBRA Administration team. 

Our COBRA Administration team is committed to ensuring your organization remains in compliance with government regulations. Our COBRA experts will handle enrollments, initial notifications, participant maintenance, and terminations.  Finally, you relieve your compliance liability and the tedious responsibilities of keeping up with all the rapid changes COBRA benefits continue to experience with the Obama administration.

Employee Assistance Programs

An effective Employee Assistance Program is a keystone strategy for employers and union trust funds seeking a low cost, effective approach to helping members and their families resolve problems. The 24-hour confidential service can be individualized to meet your organization's specific and unique needs.

Early intervention through the EAP enables resolution of a large percentage of problems before it becomes necessary to refer to more intensive - and costly- forms of treatment. Experience has shown that in up to 70% of cases, individuals can begin to manage their presenting issues after five counseling sessions.

The Employee Assistance Program is designed to help resolve emotional and psychological issues such as:

• Adolescent behavioral problems
• Alcohol and drug abuse problems
• Emotional problems
• Financial difficulties
• Marital and family conflicts
• Single parenting
• Stress management
• Terminal illness/bereavement
• Work-related problems

The result may be a decrease in lost time at work. Let us help you develop a cost effective employee assistance plan, as part of your employee benefits plan, to protect your employees.

Flexible Spending Accounts

SECTION 125 WITH SPENDING ACCOUNTS

A Section 125 plan can also provide benefits beyond the premium feature. It can allow the employees to pay their un-reimbursed medical, dental and vision bills on a pre-tax basis. It can also include childcare. This arrangement is called a Section 125 plan with flexible spending accounts.

To implement this plan, we would hold an employee meeting to explain the benefits. We briefly meet with each employee and conduct a question and answer session and assist your employee with deciding if they should sign up or waive coverage under your plan. Both the employee and the employer enjoy the tax savings as a result of this program.