benecurv Ecosystem

benecurv is a professional services firm focused on helping employers of all sizes design, implement and manage their employer-sponsored benefits packages. Through a trusted process, benecurv guides clients through innovative strategies to deliver benefits in a way that meets and exceeds their goals. From the simplicity of securing insurance to the sophistication of managing risk - our ecosystem of tools and technologies allow employers to succeed in managing benefits and balance the needs of employees with the needs of the business.

Employee Benefits Consulting & Plan Management
When you offer a quality health insurance plan as an employee benefit, it is a simple and effective step any employer can take to attract talented employees and reward current ones. Giving employees health benefits also delivers a range of benefits to the employer, such as increasing productivity, boosting morale, and helps to shape a positive culture within the company.
Employers have the option of offering a range of health plans; generally, group health benefits will usually come in the form of:
Basic health benefits – inpatient and outpatient care, dependent coverage, inclusions of pre-existing conditions
Additional benefits – maternity coverage, vision and dental insurance
Extended benefits – immunizations, general wellness and mental health support
The main reason for offering a complete medical insurance plan to employees is to help protect and support their health and well-being, so they can remain active members of the company. Employees greatly value health coverage, as paying for it out of pocket is hugely expensive. Let our benefits consultants help you offer them the best package at a rate you both can afford.

Staffing Solutions
In today’s fast-changing business climate, a company’s staffing needs can change on a dime. Let us help you navigate the choppy waters of your staffing needs to help determine the unique needs of your business. Whether that is permanent, contract-to-hire, temporary, full-time, part-time, freelance, or a combination of any of the above, we are here for you. Many companies today are competing in job markets that are increasingly driven by efficient operational models against the backdrop of fast-moving technologies. Shifting skill requirements are always a challenge for employers when improvements in technology means finding talent that should be proactive and well thought out.  We recognize that there is no “one-size-fits-all” solution.
Human Resources
Managing today’s human resource management is an intricate art. With all of the factors involved: new employee onboarding, training & development, employee performance management, payroll administration, compensation structures, and HR compliance; there are many pieces to the HR puzzle.You want to make sure you have the best team possible to help run your business, and you want to keep them happy. This takes time, energy, and business savvy. We can help you manage your HR infrastructure and maximize your HR functions. We can consult with you on the best practices available – everything from cutting unnecessary costs and saving time to enhancing the well-being of all your employees. Our experienced consultants can help you streamline your HR processes, find the right technology solutions and manage your employees from the date of hire all the way to retirement. 
Voluntary Benefits
Recruiting the right people starts with a great benefits package. A comprehensive package that includes not only regular health benefits, but voluntary options such as life, supplemental health, disability and critical illness insurance. Offering this complete package not only attracts and keeps new talent, but keeps your current employees engaged through education by communicating new options and offering easy enrollment. We can help by conducting a comprehensive benefits gap analysis to design a top-notch benefits program that supports not only your employees, but your business needs. Creating communication strategies of employees’ satisfaction of their package and continuous refinement of future packages leads to more participation, and ultimately, happier employees. Every employee is unique, and offering these voluntary benefits will help ensure everyone is adequately covered.

Retirement Plan Services & Consulting
A well-designed plan for retirement is an essential component to any comprehensive employee benefit portfolio. You as an employer should make it easy for your employees to save money for their retirement – and we make this process easy for you. When you offer a competitive plan designed to provide financial security, you have the means to make your workers happier and feel more secure in the knowledge that when they do retire, their financial nest egg is firmly in place. Having a complete retirement package also attracts – and keeps – new talent working for you, thereby making the success of your company possible. What’s more, your retirement plan should mirror the needs of your diverse workforce. Taking into account complex rules and regulations of the DOL and ERISA, we can help you build in the unique culture of your business by offering custom solutions and systems to help take the worry out of your retirement planning program

Wealth Management
Everyone is unique – and so are their financial goals. Accomplishing financial goals is important, which includes determining how much risk you’re willing to take, both financially and emotionally. Assessing how you want to live your life, now and in the future, has great impact on your current financial goals. Simply ask yourself – what would it take to live life the way you want?A financial portfolio should reflect personal ambitions with an approach designed to reap returns while also reducing risk. A team of financial experts on hand is critical to help achieve this and be present through every phase of your investment life. As life situations evolve, so to should one’s financial portfolio. It takes constant re-evaluation of assets with an eye towards external markets to maximize your investments over time, and this can be tricky. Let us help.

Business Strategies & Risk Planning
Simply put, strategic risks are those that a company takes that could potentially result in a major loss. A company that has superior and unmatched products or services will still fail if their customers no longer want them. Strategic risk management is the process of identifying, quantifying, and mitigating any risk that affects a company’s business strategy, objectives, and execution. Whether that is a buy/sell agreement, key person insurance, or other such factors, let us help you identify, understand, manage and mitigate the risk.

Personal Strategies & Risk Planning
Defining personal strategies and risk assessment is a fact of life. We may not like it, but it’s not going away. Let our experienced team guide you through a proven system allowing your employees to assess and determine their own needs and develop a comprehensive personal strategy. This includes, but it not limited to, life insurance packages, investing in mutual funds, and planning for education. Whatever your employee’s future plans are in life; we can help you offer them the support they need.
Large Group
Toolbox
Robust data analytics
Predictive modeling
Risk transfer strategies - to include captives
Detailed plan management reporting
Population health strategies
Underwriting & Analysis
Pharmacy benefit consulting & carve outs
Healthcare cost management strategies

Why You Should Consider benecurv: