We provide a holistic experience with our full spectrum of solutions.
We understand the challenges today’s employers face and know you’re asked to take on more than ever. We design an employee benefits program that is aligned to your company’s strategic goals and offer the operational support to drive program success.

We offer the following group plans: Medical, Prescription, Dental, Vision, Life, Short- & Long-Term Disability, Accidental Death & Dismemberment, Supplemental Life, Voluntary Benefits, Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA), Flexible Spending Accounts (FSA), Section 125 Plans and Long-Term Care.

*Our brokers are licensed in all states, with all major carrier and certified with the Exchanges.

Our professionals take a hands-on approach to creating the most appropriate benefits program for our clients.
A one-size-fits-all approach can often times be disguised by attaching fancy labels to programs, but it rarely provides organizations with the most effective benefits package for their employees while providing the most cost savings.

Managing benefits in today’s environment requires a commitment to regulatory compliance, cost management, and effective communication and education by consultants that care about their clients and their employees, as well as employees’ families. Our team of Benefit Consultants will lead your customized team in supporting you and will serve as your advocate in strategic planning, goal setting, quarterly financial reviews and carrier negotiations.

Our account managers streamline your human resource process and act as an extension of your team.
What we promise we deliver. On a daily basis, we serve as an extension of your organization’s human resource, legal, accounting, and IT departments to support your organization with the complexities of your employee benefits program.

Your dedicated account manager will provide and assist with the following:

• Carrier Coordination
• Employee Benefits Program Implementation
• Plan Renewal & Open Enrollment Implementation & Facilitation
• Claims Tracking Analysis
• Underwriting & Claims
• Enrollment Facilitation
• Communication & Education

Mitigating compliance risk is critical to avoid costly penalties and other corrective actions.
Our team of experts and industry partners distribute timely communications and tool kits to inform and provide the framework for clients to maintain compliance with federal benefits laws, rules and regulations.

As the regulatory environment continues to change, clients can rely on us as a constant guide in making informed decisions and mitigating risk of penalties and costly corrective actions.

Our team assists with the following:

• ACA Reporting Assistance
• 5500 Form Preparation
• COBRA Administration
• ERISA Documentation
• Compliance Audits
• Section 125 Discrimination Testing

We believe in putting your people first.
We understand that health insurance is complex and at times overwhelming. Therefore, when problems occur—as they often do—people feel frustrated. Clients of Creative Benefits enjoy a very special benefit—instant access to the Employee Service Representative (ESR) Team.

The ESR Team is a group of benefits specialists who help employees solve insurance issues. All members of the ESR Team are former insurance account managers with a combined 40 years of industry experience. These industry veterans know their way around the maze of regulations and details that characterize today’s medical insurance marketplace.

The ESR Team is NOT a typical call center. Our Employee Service Representatives are committed to you and your employees. Dedication and care for each individual is what sets our customer service apart. Each ESR stays involved with an employee until a clear resolution to their issue is found. Employees are relieved of the hassle of following up with insurance companies, providers and/or billing offices – ultimately reducing employee frustration and increasing their productivity.

Our ESR Team can assist you with…

• questions or concerns about your benefits
• a claim that was denied by your insurance
• a doctor bill for which you are not responsible
• ordering a new ID card
• enrolling in benefits for the first time or making changes
• finding providers that are in your network

Leave management is a complex process. Putting your company’s leave administration in the hands of a trusted partner with years of experience administering all types of leaves makes good business sense.

At MedLeave Solutions, LLC, a subsidiary of Creative Benefits, we understand that employee absence strains your organization. Success in today’s business climate demands high productivity and a lean and efficient staff. Every hour an employee is on leave adds cost to your bottom line.

As a trusted partner, we help you lower your costs, boost productivity, improve employee health and morale, ease your administrative burden, and give you the peace of mind necessary to pursue your business goals by handling the following:

• Federal FMLA Administration
• Statutory FMLA Administration
• Military Leave Administration
• Employer-Sponsored Leave Administration
• Disability Claim Management
• Statutory Disability Claim Management

*Includes Provider, Employer & Employee Communication, Facilitation of all Paperwork & Documentation, Return to Work Coordination, Complete Absence Tracking & Comprehensive Reporting

Visit medleavesolutions.com for more information!

A resource for employee retention and recruiting great talent.
The economy, tight benefit and salary budgets, major healthcare reforms and employer competition are behind the recent push for Voluntary Benefits. These offerings are expected to gain even more traction in upcoming years as companies look to increase retention and lure top talent. Employees are typically responsible for some or all associated costs of coverage, but receive the benefit of group rates or discounts and convenient access to employer-vetted vendors, products and services.

With any effective Voluntary Benefits offering, communication and follow up are key components along with the endorsement and cooperation of the Employer. The Creative Benefits team takes a systematic approach that guarantees success.

The following is a sample set of a Voluntary Benefits offering:

• Individual Short-Term Disability Insurance
• Term Life Insurance
• Universal & Whole Life Insurance
• Critical Illness Insurance
• Cancer Insurance
• Accident Insurance
• Hospital Indemnity (GAP Plans)
• College Tuition Benefit

*We are licensed with all major carriers to place coverage.

Implementing and supporting an effective workplace wellness program, is a strategic imperative for any sustainable employee benefits program today.
Understanding employee health costs and identifying high-cost areas enables a targeted approach to employee engagement. Our wellness team leaders identify ideal wellness campaigns for the organization, taking into account employee demographics, legal considerations and company culture to achieve desired results.

Leveraging our in-house wellness experts and external partners, we define a roadmap for client organizations to reach their wellness goals and provide the following to employees:

• Relevant health education
• Turnkey workplace wellness initiatives

All programs are measured for return on investment and inform future enhancement to establish wellness as a strategic driver of your employee benefits program success.

The key to effective Medicare assistance is personal service and communication.
Most employees don’t think about Medicare until they need it. Year after year, they enroll in employer provided health benefits. For some, it is almost automatic. Then, when they approach Medicare age, they realize things are changing. Suddenly, they need to figure out what to do. That’s where Creative Benefits steps in!

We understand the interplay between Medicare and other benefits. As employers rely on us to administer their overall benefits, they also depend on us to assist employees in managing the transition to Medicare. We strive to understand each employee’s needs and treat them as a whole person. Our primary goal is to help clients understand how their Medicare benefits work, so they can make informed decisions about their healthcare coverage.