Home About Us Our Services Our Carriers Employee Benefits Business Area Specialties Q&A Smith Insurance, Inc. 123 Main Street Anytown, NY 20317 USA (212) 555-4321 (212) 555-1234 fax Send Us E-mail © Copyright 2011 Smith Insurance, Inc. powered by Website2Go.com All Rights Reserved

Employee Benefits   Our plans are designed three phases which guarantee that every component of your benefit plan is considered:   Phase 1 - Evaluation In this phase, we take the time to understand your needs and objectives so we can go to the market with clear, concise knowledge of your needs. The process covers: • In-depth review of your current employee benefits program. • Discussion of managed healthcare strategies • Discussion of administrative options (consolidated billing, automation, etc.) COBRA administration HIPAA administration • Discussion of possible program options: Medical plans; indemnity, PPO, POS, EPO, HMO; Dental programs; Life/Accidental Death & Dismemberment; Disability, long and short-term Supplemental group products Life, dental, disability, accident, etc. Vision plans Section 125 cafeteria plans 401k plans Voluntary payroll products Life, disability, cancer, accident, dental, vision Individual programs Long term care, dental COBRA administration HIPAA administration • Discussion and analysis of risk tolerances: Scope type of coverage suitable for your organization's risk Discussion and analysis of fiduciary liability   Phase II - Marketing the Programs Our experts have extensive backgrounds in areas of financial mechanisms, networks and plan design. We offer extensive experience in this industry, plus the strong vendor relationships and market clout you need. This phase utilizes our clout to market the programs we design for you. • We send proposals to appropriate markets • Assure conformity with the group's requirements • Assess financial mechanisms • Analyze the financial condition of each carrier, TPA or reinsurer • Review and compare all proposals received Compare coverage format, overall liability and risk Analyze network access for medical plans (GeoAccess match) Analyze network discounts of providers and facilities used for medical plans Analyze utilization management programs for medical and dental plans and large case management capabilities for medical plans Analyze disease management programs for medical plans Analyze wellness programs for medical plans Analyze operational capabilities )member services, claims turnaround, claims payment accuracy, client services, etc.) Phase III - Installation and Service of Your Account We serve as liaison between our client and carriers to ensure a smooth, well-received transition to your new plan and system. In this phase, we will: • Jointly determine implementation strategy with your organization's key employees. • Schedule enrollment meetings to suit your organization's specific needs and ensure timely distribution of enrollment material and member cards • Provide ongoing discussion and assistance with benefits program: Assure quality presentation to employees Provide linear role from client to carrier Provide ongoing serve assistance Negotiate renewals • Develop long term partnerships with continuous evaluation of benefit needs • Help develop long term benefit strategy • Conduct regular interviews of claims/network data

As an established regional broker and consultant, Smith Insurance has a long history of success in designing plans for companies that offer employee benefits in a compensation package.