Employee Benefits

Employee Benefits

Under the Leadership and Management of Mr. Douglas Godown – Marion-Douglas Financial & Insurance Services provides closely held companies with the design and implementation of their employee benefits and retirement plans. Our employee benefit services help our clients attract, retain, motivate and reward talented people by designing quality employee benefit programs.

With today’s ever changing Health Care Reform and overall uncertainty regarding how it will affect employers in the years to come, the Marion – Douglas team offers answers and solutions to these concerns. Below is an overview of the services we provide to our clients and ask that you evaluate whether your current broker offers these expansive services.

Our Value Added Services:

Group Benefits:
We broker the following products, on fully-insured or partially / self-funded basis:

• Health / Dental / Vision
• Cafeteria / FSA / Section 125
• Health Reimbursement Accounts (HRA)
• Health Savings Accounts (HSA)
• Retirement Planning
• 401(k) & 403(b)
• SEPs & SIMPLEs IRA
• Life / AD&D
• Short-Term Disability
• Long-Term Disability
• Supplemental Products

Underwriting:
We have an assertive approach to underwriting. By combining our many years of experience and knowledge, we are able to achieve the most desirable benefits package for our clients.

Small Group (2 – 50 Employees)

• Preparation of underwriting packets
• Comprehensive application and underwriting review
• Screening of health applications for accuracy
• Participation calculator, ensure compliance and contribution
• Employee class analysis and industry review

Large Group (51+ -Experience Rated)

• Compilation of data into a management reporting tool
• Quarterly analysis and presentation of reports and plan utilization
• Plan design and funding changes with long term cost benefit
• Package client information to achieve the most aggressive rate proposals
• Plan and budget projections for future rating actions
• Verify Underwriting rating information is accurate and fair

Human Resources:

• Review & Consultation
• On-site & remote support
• Develop Performance Management Systems
• Conduct Audits & Assessments
• Employee Training & Development
• Benefit Communications & Creative HR Services

Administrative Services:

• Premium Billing Reconciliation Assistance
• Direct assistance electronically with carriers for processing all new hires & terminations.
• Claims assistance and resolution for improperly processed claims. We work on the employee’s behalf to resolve all issues with carriers, physicians and hospitals.
• Direct employee support for all benefit services such as ordering ID cards, correcting misspelled names, updating addresses, correcting Social Security Numbers.

COBRA Administration:

• We provide complete COBRA administration through our strategic partners with no cost to our clients. This ensures effective and accurate management of the IRS mandated forms and language requirements.

Wellness Programs:

• Our wellness services include a wide range of resources, programs and support to assist clients with worksite wellness initiatives.
• Coordination of Carrier Programs and Resources
• Employer Workshops
• Workplace Evaluations
• Employee Interest Surveys
• Event Support (Including Health Fairs)
• Health Education Materials, Tips and Newsletters

As your broker, we are confident that we can exceed your current and future expectations. The Marion – Douglas Team offers competitive and creative solutions to provide our clients with the most comprehensive benefits package possible.

Mr. Douglas Godown
Marion-Douglas Financial & Insurance Services
151 N. Kraemer Boulevard, Suite 206
Placentia, CA 92870
Telephone: (714) 696-7300
Fax: (714) 696-7310
Email: Doug@MarionConsulting.com