Sterling Risk Advisors
Employee Benefits - Sterling Risk Advisors - Insurance Brokerage, Risk Management

Employee Benefits

Employee FAQ's

As a trusted strategic partner focused on premier customer service, Sterling Risk Advisors provides comprehensive Employee Benefits solutions tailored to today’s business environment. Our professionals understand the challenge faced by employers: the need to reduce costs while enhancing employee benefits. Sterling Risk Advisors works closely with clients in designing customized benefits programs that increase employee satisfaction and productivity, enhance employee loyalty, and support our clients’ human resources department. Our Employee Benefits Practice Group develops a benefits program that meets each client’s business and financial needs while complying with regulatory requirements.

Working in Partnership to Maximize Success

Sterling Risk Advisors’ Employee Benefits Practice Group’s Benefits Specialists have an average of over 12 years of expertise in the benefits industry, and serve as trusted strategic business advisors. Following a comprehensive analysis of each client’s benefit platform, our professionals actively shop the market for competitive rates, negotiate renewals, provide industry norms via benchmarking data and provide legislative updates.

Our Benefits Specialists are not only experts in the insurance business, they’re experts in Employee Benefits as well. Only by knowing your business in all its intricacies can we develop a strategy that is right for you. Our advice is based on your goals and objectives, and is focused on building a strong, ethical relationship.

In addition to Benefits Specialists, Sterling Risk Advisors assigns a dedicated Account Executive to each client, whose responsibilities include being your employees’ advocate regarding claims, billing, appeal letters, etc.; providing employee education regarding benefit plans; assisting with enrollment and terminations; and providing comprehensive support to your Human Resources department.

Technology to Keep You Informed

Sterling Risk Advisors utilizes the latest technology to record and track client employee information. Our on-line client portal offers benefit information, industry news, trends for planning future employee education opportunities and/or wellness initiatives, and research capabilities. In addition, Sterling Risk Advisors provides quarterly summary and detail reports of employee calls, claims, emails and other activities.

Comprehensive Services Customized to Client Needs

With a focus on professionally serving both clients and their employees, Sterling Risk Advisors is dedicated to offering customized services that include, but are not limited to:

  • Planning and Analysis
    • Complete Market Analysis
    • Benchmarking/Peer Comparison
    • Physician/Network Analysis
    • Negotiate Premium and Plan Design with Carriers
    • Conduct Open Enrollment and Other Employee Meetings
    • Create Educational Material
    • Handle Application and Termination Paperwork
  • Employee Advocacy
    • Coverage Questions
    • Claim Resolution
    • Assistance with Appeals 
  • Employer Support
    • Billing and Enrollment Issues
    • Quarterly or Mid-year Review
    • Claims Analysis (if applicable)
    • COBRA Assistance
    • New Hire Enrollment
  • Reference Resource
    • Changing Legislation
    • Market Trend
    • COBRA, FMLA, HIPPA, etc.
    • Wellness
    • Health Care Reform
  • Ancillary Services
    • 401(k)
    • Deferred Compensation
    • Individual Life and Disability
    • Voluntary Worksite Products
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