GET MORE FOR YOUR BENEFITS
WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC. Thank you for the opportunity to discuss your health insurance and employee benefits needs. Inside we provide you with a better idea of who we are and exactly how we can be a valuable service to you and your organization. William J. King & Associates Located in Carlsbad, William J. King & Associates has served local businesses with their insurance and employee benefit needs since 1972. Our success over the past several decades has made us the largest employee benefits firm in North County San Diego. At William J. King & Associates, excellent customer service is a philosophy, as well as a challenge, and our only way of doing business. We have never lost sight of the fact that our client is a person, not a number. You can expect courteous and considerate attention by our friendly staff. This is the only old fashioned attitude you will find in our company, but it is one we promise to keep. Commitment is King {Knowledge-Creativity-Service} We pride ourselves on our extensive industry knowledge and creative problem solving solutions. Our goal is to customize an employee benefit package that fits your needs best and then provide an unprecedented level of personal service. FutureOffice Our clients receive access to a personalized Website, which is designed to offer time-saving tools and resources that build convenience into managing your everyday work tasks. Whether you want to collaborate with our agency online, have quick access to benefit summaries and enrollment forms, or connect with other peers in your industry, FutureOffice does it all. It is easily accessible, hardworking, and just one of the many value-added services available to you when you partner with William J. King & Associates. FutureOffice is an employee-benefit management software application that provides you and your employees, 24/7 access to company and benefits information in one secure location. ü Allows employees the ability to make benefit elections online easily ü Offers detailed benefits and rate pages tailored to your plans ü Communicates announcements, career and training opportunities ü Tracks employee vacations and holidays ü Saves the HR manager time and money We would love the opportunity to provide you with a complete analysis of your benefits program to determine whether your current strategies effectively meet your overall objectives. Even if you are happy with your current situation, we would still like to show you the extra services we provide that set us apart from the competition and make us the best in the business. Please contact us with any questions or to discuss your insurance needs. We're here to help in any way that we can. You can call us at (760) 438-8850 or email Assistance@kingbenefits.com. Best in health, King Benefits Team WILLIAM J. KING & ASSOCIATES 5 INSURANCE SERVICES, INC.
For the administrators KING BENEFITS HR
Welcome to King HR Benefits Your New Portal At-A-Glance With both time and resources at a precious premium, it's become increasingly difficult to do your job, let alone manage insurance costs and stay informed on legislative developments. William J. King & Associates Insurance Services, Inc.'s revolutionary new online tool acts as a springboard from which you can better gather and organize information and data and solve the everyday problems that hamper your ability to work more efficiently and effectively. Insurance & HR Community l Fast Answers l Compliance l Document Library l Health & Wellness Community l Analysis l Online Services l HR Trends 8 WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.
Keeping You Ahead of the Curve. Your Information Partner Understanding the complexity of employee benefit plans is a challenge, even for the most experienced benefits manager. Employers need to remain upto-date on constantly changing trends, laws and regulations. We have the solutions to help you tackle and understand the most complex benefit topics.
Our Tools for Your Success Bulletins Our quarterly newsletter covers current benefits topics in depth. What's the Buzz? Each month, enjoy a one-page easy-to-read newsletter that is focused on hot benefit and HR topics. Education Information Need more information? Stop looking. Our informative articles cover hot benefits topics, such as Stay Virtually Connected We deliver documents on command, all from the convenience of your unique Web-based client portal. These tools allow you to access and share valuable resources, including educational materials, HR policies and employer-facing newsletters.
Consumer-Directed Health Care (CDHC) and benefit cost trends with our educational articles. Handbook and Policies No need to worry about communicating your company policies and procedures to employees; we have a completed employee handbook and individual employment policies to get you started. Don't be left in the dark; let our tools provide you all the information that you need to be an in-the-know employer. WILLIAM J. KING & ASSOCIATES 9 INSURANCE SERVICES, INC.
Your Employee Communication Partner It is without question that your employees need to understand their benefits in order to be wise consumers. We have the resources to help you tackle all your communication challenges and educate your employees on their benefit options so they can make wise choices.
Our Tools for Your Success Benefits Announcements We have memos, flyers, payroll stuffers and articles for you to use to annouce and explain current benefit offerings. Benefits Statements Help employees understand their “hidden paycheck” with custom benefits statements. Consumer-Directed Health Care (CDHC) Resources Empower your employees to be the directors of their health and medical care. We have everything you
need to do so – flyers, articles, payroll stuffers, e-mails and posters. Monthly Newsletters Keep your employee body healthy, well and safe with our monthly Live Well, Work Well newsletter. Flyers are also available for targeting specific health conditions. Retirement Education Ensure that your employees are financially fit and ready for retirement with our Savings Fitness flyers.
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Your Human Resources Partner Our agency is dedicated to helping you create and maintain a positive work environment by offering solutions for your organization's Human Resources challenges.
Our Tools for Your Success We have the resources and tools to help you manage all your HR duties, headaches and responsibilities with ease. Legislative Briefs and Legislative Guides You have access to a Client Portal where you will find answers to your common COBRA, FMLA and HIPAA compliance questions. Employee Handbooks and Policies No need to worry about communicating your company policies and procedures to employees; we have
a completed employee handbook and individual employment policies to get you started. HR Education and Forms Our easy-to-read articles can help you understand often confusing and sensitive HR issues, such as sexual harassment, substance abuse prevention and hiring and firing practices. We'll further assist you with our library of HR forms that will streamline your day-today HR duties. Community We'll give you access to a community of other HR professionals where you can discuss common HR headaches and find solutions.
WILLIAM J. KING & ASSOCIATES 11 INSURANCE SERVICES, INC.
Your Health Care Reform Partner
There are countless rules and regulations governing the health care reform legislation, many of which are quite complex. Our expert team will help meet your compliance obligations because we stay up-to-date on the reform regulations that affect your employee benefit program. With provisions taking effect from now until 2018, we will be your health care reform source every step of the way.
Our Tools for Your Success Legislative Briefs We have easy-to-read articles designed to summarize health care reform legislative information and provisions. Legislative Guides Gain access to a client portal where you will find answers to commonly asked health care reform questions. You will also find the forms you need to meet your everyday compliance needs.
Employee Communications As provisions take effect and regulations change, explaining health care reform to employees is a necessity today. We have the documents that will help employees understand how reform affects them and their families. Community Support Got a reform-related question? Join a community of some of your knowledgeable colleagues from all over the country. Post your questions and share resources and information via the community's interactive forum.
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Your Enrollment Services Partner Our agency can deliver the resources you need to effectively communicate with your employees about benefit enrollment. Our tools will help inform employees about the benefits you offer and guide them toward making the best decision for their lifestyle.
Our Tools for Your Success Enrollment Education for Employers With help from our checklists and informative articles such as “Maximizing Open Enrollment for Your Employees,” provide your staff with all the tools they need to succeed during open enrollment this year. Enrollment Tools for Employers From benefit summaries to presentations to announcements, let our enrollment tools help you inform your employees and keep them up-to-date on enrollment information.
Employee Communications Our Know Your Employee Benefits series, along with benefit announcements, payroll stuffers and posters, provide your employees the information they need to make informed benefit selection decisions. King Benefits is your one-stop-shop for HR Communications and online enrollment. Enjoy security and ease of enrollment today.
Stay Virtually Connected We deliver documents on command, all from the convenience of your unique Web-based client portal. These tools allow you to access and share valuable resources, including compliance information, surveys and employee benefits resources.
WILLIAM J. KING & ASSOCIATES 13 INSURANCE SERVICES, INC.
Your Workplace Wellness Partner Control Rising Costs. Increase Productivity and Morale. Our agency can deliver resources that you need to effectively create a healthy and happy employee culture. Our tools will help you create and administer a wellness program at your organization with minimal investment of time and money.
Our Tools for Your Success Our agency can help you create a wellness program that will help you control rising healthcare costs, increase employee productivity and increase employee morale. Customized to fit your needs Whether it's a simple monthly wellness newsletter or a comprehensive plan, we'll help you develop a program that fits your needs. Data Analysis We have tools to help you gather claims data, conduct a needs-and-interest survey, and audit your current wellness culture, all to help pinpoint your employee group health needs. The Seven Cs Whether it's a simple wellness newsletter or a comprehensive plan, we will help you develop a wellness 14 WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.
program that suits your needs and guides you through your efforts. Our article will advise you on how to: l Capture senior-level support l Choose health initiatives l Create a wellness team l Create supportive environment l Collect data l Consistently evaluate outcomes l Craft an operating plan Custom Communication to Your Employees Speak to your employees through educational materials that meet your wellness needs. We have documents that will help them understand their health issues and make wise decisions to benefit their lives now and in the future. These include posters, payroll stuffers, communications flyers and e-mails.
Your Compliance Partner There are countless rules and regulations governing employee benefit plans; many of which are quite complex. Our expert team will help meet your compliance obligations because we stay up-to-date on laws and regulations that affect your employee benefit program.
Our Tools for Your Success Legislative Briefs We have easy-to-read articles designed to summarize recent federal legislative developments in insurance and employee benefits. Legislative Guides Gain access to a Client Portal where you will find answers to your common COBRA, FMLA, HIPAA, HIPAA Privacy, Medicare Part D and Section 125 questions. You will also find the forms that you need to meet your everyday compliance needs.
Community Support Got a compliance-related question? Join a community of some of your knowledgeable colleagues from all over the country. Post your questions and share resources and information via the community's interactive forum. Confidential Compliance Reviews Meet with an expert and understand requirements, risks, and consequences. Develop plans to corrected courses of action and ensure follow up for success.
WILLIAM J. KING & ASSOCIATES 15 INSURANCE SERVICES, INC.
For your employees KING COMMUNICATION B E N E F I T S
Welcome to Secure, MY INFORMATION Empower employees to manage personal information including the ability to: ü Add, review, or update personal information ü Manage time-off requests and view a summary by type, such as vacation, personal or sick day ü Update life event changes such as beneficiary, dependent or marital status formation ü Manage and review benefit elections ü View both current and future personal elections throughout the year HUMAN RESOURCES Helps you eliminate the need for distributing bulky and costly company materials and provide online access to career information to employees including: ü Handbooks ü Forms ü Directories ü Policies and procedures ü Career growth, job posting and training information BENEFIT PLANS Bundles everything employees want to know about their benefit plans in one secure location. Benefits are listed by type such as medical, dental, vision, etc. Within each plan type, employees can obtain detailed plan information and benefit summary information including the ability to: ü View plan design information including rates and eligibility ü Access Summary Plan Descriptions ü Compare plan benefits ü Obtain plan forms ü View carrier contact information ü Access Frequently Asked Questions 18 WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.
Convenient Communication.
REPORTING OVERVIEW By capturing employee and plan information, administrators have the ability to create the following standard reports quickly and easily in a variety of formats.
ELECTION REPORTS Benefit Comparison Report - Use this report to compare employee elections at two points in time Carrier Extract Report - Extract election information for submission to carriers Census Report - Create an employee census for any line of coverage Election Changes Report - Extract employee, dependent and plan information for employees whose elections changed due to life events, open enrollment or terminations Elections Summary - Create an election summary for an individual or all employees (available to employees in the benefit plans section of the portal) Flexible Spending Report - Extract annual and per pay period FSA contributions by employee Payroll Extract Report - Pull payroll information Personal Instruction Sheet - Generate a personal instruction sheet for employees to use during open enrollment and for employees who do not have access to the internet to make their elections Plan Design Report - Provides detailed information, including rates and benefits, on any of the plan offerings Premium Report - Reconcile a carrier's monthly billing Projected 401(k) Premium Report - Show projected employee 401(k) contributions
EMPLOYEE REPORTS Employee Changes - Monitor changes to information Employee Username - Useful for distributing portal login information Employee Vacation Requests - Extract request details Employee Vacation Totals - Create a new upload for a subsequent time period
WILLIAM J. KING & ASSOCIATES 19 INSURANCE SERVICES, INC.
Welcome to King Communication Benefits
CUSTOM PORTAL DESIGN CAPABILITES Unsurpassed custom design options include the ability to: ü Select portal design layouts ü Choose from standard color schemes or easily customize your own ü Control images including company logo, name and stock photos ü Offer different information for different groups of employees ü Create your own sub-menu items such as a job descriptions page, custom messages page, etc.
WELCOME Delivering targeted employee communications is easy with a customizable home page that includes: ü Home page welcome message and seasonal announcements ü Links to employer-recommended Web resources ü Scheduled employee communication campaigns ü Quick view of upcoming time off and time remaining, personalized to the user
COMPANY INFORMATION Educate and assist employees on companyspecific information including: ü Employee directory ü Departmental contacts ü Holiday and event listing ü Mission statement and vision ü Company history 20 WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.
ADMINISTRATION From portal setup to uploading custom content to reporting, King Benefits offers administrators the ability to: ü Select portal's look, feel and functionality with a full range of customization options ü Upload employee data including dependent information, addresses, phone numbers, emergency contacts, job titles and custom fields from a spreadsheet ü Add, edit or delete benefit plan data ü Administer life events including opening up enrollment periods for life event changes or for new hires, creating a mass life event for new hires and sending benefit election reminders ü Manage all aspects of vacation tracking including the ability to do accruals ü Publish portal content according to type such as bulletin board posting, policy, handbook, welcome page message, etc. ü Generate reports and manage data imports ü Update and maintain broker access information ü Access online, self-serve Help for all “How do I...?” questions WILLIAM J. KING & ASSOCIATES 21 INSURANCE SERVICES, INC.
For the Decision Maker WHAT CAN YOU E X P E C T ON PROPOSALS?
A comparable
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plan with a
Today's plan
shopped price
information
improvement
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summary
Hold Out-ofPocket Maximums to defined limits Hold office visit co-pays low
ect of adding an HSA option to increase avings further
Comparison of a full network option with a savings opportunity
Comparison of a limited network option that maximizes savings while preserving all benefits
Comparison of a full network plan with an HSA option added in to increase savings.
Relevant Benefits for Less
This spreadsheet illustrates a proposal for a midsized group. King Benefits brings necessary and relevant information in a side by side format to save time and optimize decision making. A side by side comparison of options with full network access to doctors Increase if renewal is not negotiated Keeping co-pays low
Comparing the best negotiated rate
Offering Exclusive Plans with Carriers
Combining best priced plans with employee favored plans
($ 173,792.52)
($ 89,289.84)
Negligible changes in benefits, with sizable savings in premiums
The Most Sophisticated Health Benefits Negotiators
THE NEXT STEP
HOW DO WE MEASURE UP?
William J. King & Associates Insurance Services, Inc.: Providing Innovative Services for Innovative Companies
Service Insurance Market Access National Affiliations Strategic Planning Five-Star Service
Description We provide access to virtually all insurance and administration markets. In addition to our own talented professionals and specialized value-added services, we have a wealth of resources available to us through several national affiliations. We will develop a customized strategic plan for you that defines objectives and outlines the actions needed to fulfill those objectives. Our services ensure an organized, complete approach to fulfilling your benefits needs. We pride ourselves on the level of knowledge and service we bring to our clients. All of our clients are assigned a team of specialists dedicated to serving their needs. Each client accesses our team through a single point of contact, making working with us seamless and easy.
Check here if your current broker offers this service
Experience
We have proven dedication and a commitment to excellence in our service to the business community.
Technology Legislative Briefs Client Portal Legislative Guides Custom Communication Human Resources Tools Voluntary Benefits Client Portal Community
We use leading-edge technology to provide our customers with the latest data analysis, as well as legislative, communication, and human resources administration tools. Our exclusive Legislative Brief publication summarizes recent federal legislative developments in insurance and employee benefits. All of our clients receive access to a personalized Web site. The site is devoted to helping you with plan administration, legislative compliance, employee communication and more! Included with your client portal, our Legislative Guides provide comprehensive information about federal legislation such as COBRA, HIPAA, HIPAA Privacy, ARRA, FMLA, Section 125 and Medicare Part D. We can assist you with all phases of employee communication, from employee meetings to payroll stuffers and informative brochures about employee benefits and wellness. King Benefits is available to you. Our client intranet tool is a complete employee communication system that helps you increase productivity, streamline processes, improve communication and save money for your Human Resources department. We have experienced and highly knowledgeable consultants who can help you with this growing and important area of employee benefits. When partnering with us, you gain access to professionals from all over the country through the Community section of your client portal. An answer to a problem you have is just an e-mail away. As an example, one client writes, “We just recently implemented a premium-only cafeteria plan. Can anyone tell me how this will report on the W-2s?” This question was answered quickly, saving time and resources.
Content © 2006-2009 Zywave, Inc. All rights reserved. The information contained herein, including its attachments, contains proprietary and confidential information. Any distribution of these materials to third parties is strictly prohibited. Decision Master® Warehouse and HRconnection® are registered trademarks of Zywave, Inc. 30 WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC.
Company Letterhead Date:
RE: Broker of Record Appointment To Whom It May Concern
This letter acts as notification that as of today’s date, we have appointed William J. King & Associates as our exclusive insurance broker. Please address future policy notices and service issues to: William J. King & Associates Insurance Services, Inc 5120 Avenida Encinas Carlsbad, California 92008-4384 Phone: 760/438-8850 Fax: 760/438-9055
This appointment rescinds all previous appointments and the authority contained herein shall remain in force until cancelled in writing. William J. King & Associates is authorized to negotiate with respect to any changes regarding our insurance policies. Please furnish William J. King & Associates with any information they request pertaining to our plan. Policies affected are:
Carrier
Policy Number
Sincerely,
(name)
(title)
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WILLIAM J. KING & ASSOCIATES INSURANCE SERVICES, INC. where knowledge, creativity and service add more to your benefits
5120 Avenida Encinas Suite 100 Carlsbad, CA 92008 (800) 442-KING (5464) (760) 438-8850 (760) 438-9055 (fax) www.kingbenefits.com