COMPREHENSIVE EMPLOYEE BENEFITS
Focal Point specializes in providing comprehensive, independent employee benefit services. Our care, attention and planning are unparalleled in the industry. While our primary focus has to be the employer, we provide extensive service enhancements for your employees. We fill the gap between employer, employee and your benefits package.
Human Resources Services are made available to our corporate employee benefits clients. This extensive on-line service is offered at no additional cost to the employer. We take very good care of our clients
Insurance Services
- Health Insurance: Group and Individual
- Life Insurance: Group, Family and Individual
- Dental Insurance: Group and Voluntary Coverage
- Disability Insurance: Short-term and Long-term Coverage for groups and individuals.
- Long-term Care Insurance: Group and Individual
- Supplemental Insurance: Various voluntary supplemental health, life and disability plans.
Focal Point provides full feature turn-key services. We shop, bid, compare and negotiate plans on behalf of the employer. We provide an annual coverage review and consultation with the employer. Our job is to best represent the employer to the various providers. There is no separate cost for this service.
Employee Services
- Enrollment
- Training
- Updates
Focal Point staff will come to the employer's offices to provide enrollment, new employee training, periodic updates and assistance with the application process. We are licensed to represent the insurance and retirement benefits on behalf of the employer.
Retirement/ Pension Services
- Plan Design and Evaluation
- Investment Selection
- Enrollment Services
We are focused on searching, selecting and implementing the appropriate plan design and investment vehicle for each employer. Mutual employer and employee satisfaction is crucial to the process. The selection must be cost-effective to the employer.
COBRA Administration Services
- Contracted Services
- Professional Assistance
In conjunction with the employer, Focal Point contracts with a third party to provide specific up-to-date administration. This service is outsourced to COBRA professionals. The COBRA requirements and liability make this a valued feature of working with Focal Point Financial Services.
Employee Enrichment
- Special Seminars
- Personal Services
Available to Focal Point clients are a wide array of enrichment seminars. These seminars are designed to enlighten employees about current financial affairs. An example of our topics are: "How to Escape the Debt Squeeze", "Raising Financially Responsible Children in a Financially Irresponsible World", "Planning for your Retirement - Sooner rather than Later."
Human Resources Enrichment
- Plan, Selection and Design Services
- Seminars
Focal Point hosts frequent human resource enrichment seminars for our corporate clients. These seminars are free to our employer groups. Experts on various HR topics are brought in to present detailed and often technical updates for the smaller employer. Issues such as sexual harassment, policy handbooks, and legal requirements for personnel files have been addressed.
Consultation Services
- Employer Consultation
- Employee Inquiries and Questions
Knowledgeable experts at Focal Point are available for questions and inquiries from the employer and the employee. This is a highly valued service. The employer has someone to call upon for problem-solving assistance. The employees are encouraged to call with their own questions and confidential inquiries. This lifts the burden of HR distractions from the employer and provides them with an added resource.
Financial and Funding Assistance
- Planning Assistance
- Seminar Services
Specifically for our non-profit clients, Focal Point is able to offer specialized planning assistance for major fundraising. Estate planning, deferred giving, capital gifts and tax-planning assistance is available for use by donors and recipients. Special seminars on planned giving are available. These have been utilized for annual meetings, special events, auxiliary functions and board retreats.
Other Business and Personal Services:
Business Planning
- Business continuation plans
- Corporate investment plans
- Key-person insurance coverage
- Buy/Sell plans for owners
Personal Planning
- Retirement income
- Evaluating distribution and rollover options
- Education funding
- Guidance in planning for education, investment and insurance needs
- Estate planning and tax consequences
- Working with specialists to accomplish specific goals
- Long-term care insurance
- Assist with planned needs, heir income planning and asset distribution.
To inquire about these or other services, call Focal Point at (651) 426-7375.
We can assist you without necessarily changing your plan provider. As independent benefits specialists we can service most of the benefit plans that are available. You can access our service system by having us as your benefits broker.
Call today and ask for Dale Hedstrand. We are at your service. |
