Services

Service is the most important value we offer.

Benefit Consultation

Groups

Mosaic Benefit Solutions functions as a link to the insurance industry on your behalf. As consultants, Mosaic designs employee benefit plans for our clients. We endeavor to assist our clients with the most cost effective purchase of insured employee benefits that best fit our client’s budget, needs and objectives.

The degree of service provided by the insuring company is always a valuable component to the selection process. Insured employee benefits plans include:

Mosaic provides retirement services for its clients. We can design and administer plans and help with investment decisions. Programs include:

  • 401 (K) plans
  • Profit Sharing plans
  • Defined Contribution plans
  • Defined Benefit plans
  • Simplified Employee plans (SEP)
  • Non-qualified Deferred Compensation plans
  • Executive Compensation plans
Individuals

Tailored benefit packages for individuals include:

  • Life insurance
  • Long-term Care insurance
  • Accident insurance
  • Cancer insurance
  • Disability insurance
  • Critical illness insurance
  • Medical / Dental insurance

Tailored Benefit Packages

Groups

We provide benefit statements that clearly outline all benefits such as vacations, holidays, FICA taxes, workers' compensation, unemployment insurance, and educational reimbursement allowing employees to clearly see personalized benefit information.

Individuals

Mosaic provides a comprehensive breakdown of all benefits every individual has obtained through Mosaic.

Evaluation of Benefits

One of the most valuable components of a total compensation plan for your employees is a quality benefits plan. Mosaic will sit down with you one on one to outline what benefit options are available for your budget, and what voluntary benefits to offer.

Business Insurance Plans

Key-Man

With key-man coverage, your business will be protected if one of your important employees were to pass away. Nearly every business has at least one “key” employee that is absolutely necessary for the success of the business. In fact, many businesses have several key employees. Some typical types of key employees include:

  • CEOs
  • Owners
  • Presidents
  • Vice Presidents
  • Accountants
Buy / Sell

Within a closely held corporation, shareholders are often concerned about what might occur if one of the owners dies. Will the deceased shareholder’s family retain the economic value of the corporate interest? Can the surviving owners avoid interference from the deceased shareholder’s family? Will the survivors have the economic resources to redeem the deceased owner’s interest? Given these concerns, corporate owners might be best served by entering into a buy-sell agreement while they are all alive.

Any buy-sell agreement requires a decision regarding the type of insurance policy to purchase. Let us help you choose the type of policy that is most suitable for your agreement.

Retirement Planning

401Ks

Annuities

IRAs

Profit-Sharing Plans

Deferred Compensation Plans

College Funding

Let us sit down with you and help you evaluate your needs and help customize a plan to meet your child's or grandchild's educational goal.

Enrollment Services

Mosaic has a custom enrollment and benefit administration solution that allows for the efficient enrollment of your core, supplemental and voluntary benefits, no matter how distinctive your benefit program.

Mosaic enrolls clients using a variety of methods including traveling field staff, providing one-on-one communications for paper and laptop enrollments, and a call center staffed with benefit professionals.

Our expert enrollment staff members are licensed professionals and proficient in many types of benefits. Mosaic provides superior service by satisfying employee needs during the enrollment process and comprehensive employer communication and reporting at enrollment close.

Mosaic provides benefit enrollment services to entities with varying needs through:

  • On-site employee group meetings
  • On-site management enrollment training meetings
  • On-site one-on-one employee meetings with qualified benefits consultants who:
    • are licensed professionals for insured benefit enrollments
    • are knowledgeable in pre / post-tax payroll deduction benefits
    • are proficient in the communication of voluntary insured benefits and all employer sponsored plans
    • can provide laptop data collection
    • can provide paper carrier application collection and processing (as needed)
  • Printed employee communication materials
  • Call center staffed with experienced and qualified benefit professionals
  • Electronic enrollment file processing for employer payroll and carrier benefit submission at enrollment close to the client / carrier specifications

Standard Enrollment Implementation Services

  • Establish timing and benefits to be communicated
  • Select enrollment service method
  • Set schedules and make travel arrangements for on-site enrollments
  • Order printed materials as needed from carriers / vendors
  • Establish data exchange parameters
  • Understand and communicate rate and benefit structures to be enrolled
  • Train enrollment staff on benefits to be enrolled and carrier requirements
  • Prepare test data exchanges for demographic, eligibility and enrollment files
  • Preload demographics, benefits and rate information into BenCentral for on-line, or laptops for on-site enrollments

Standard Enrollment Services

  • Communicate benefits to eligible participants through elected method ( on-line, on-site, call center, employer distribution, or U.S. mail )
  • Collect and upload benefit enrollment information to EBS systems for both pre-tax and post-tax
    • employer contributions
    • employee contributions
  • Receive and process election terminations and changes during enrollment period
  • Review enrollment data and paper applications for accuracy
  • Communicate collected enrollment information to payroll, HR / benefits and / -or carriers, as agreed
  • Process paper and electronic applications and provide to carrier, as required
  • Communicate any enrollment or application adjustments to employer and carriers, as needed

Standard Customer Services

  • Toll-free live customer service center support
  • Customer service available via e-mail
  • Dedicated enrollment manager at client level
  • On-going carrier support for application processing

Standard Renewal Services

  • Update plan design and data exchange requirements
  • Update plan year benefit information and census data in systems
  • Establish timing and benefits to be communicated
  • Train enrollment staff
  • Order printed materials, as needed
  • Provide enrollment services as outlined above

Optional Services (additional fees apply)

  • Custom or divisional reports
  • Custom programming or data mapping
  • Custom enrollment confirmation communications
  • On-going benefits eligibility tracking (EBS becomes system of record)
  • On-going invoice reconciliation support for all benefit invoices
  • On-going new hire and status change enrollment support

Benefit Statements for Employees

Utilizing personalized employee benefit statements helps you communicate the total value of your employee benefits program.