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Our employee benefit service professionals solve problems that exist within your health benefits program and ensure every dollar invested creates the outcomes you need for achieving greater business success.
We improve the ROI on your program, which directly impacts your ability to improve recruiting, retention, and productivity.
To explore our employee benefit services, book a call with a KBI Benefits Expert today!
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Executional excellence turns promises into outcomes. Within a framework defined by your unique needs and goals, we deliver outcomes that are essential to your success.
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We utilize a timely and proactive process to ensure you can take advantage of new opportunities and avoid new dangers as they arise. We call this Leveraging Everything™.
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As the pace of change accelerates, asking, “What’s new?” is not enough. We’re asking, “What’s important?" and publishing our thoughts here.
As a UBA partner, KBI is part of the nation’s leading organization of independent benefit advisors.
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As rates continue to climb, many companies find themselves questioning whether it is the right time to switch their insurance and employee benefits broker. It's a significant decision, especially given that most firms are hesitant due to the anticipated complications. However, the process of finding and transitioning to a more adept broker is often simpler and less disruptive than many anticipate. This might be the ideal opportunity to seek a new partnership, especially with the rising costs of insurance and employee benefits. Speak with KBI Benefits today to allow our experts to handle the transition for you while saving your company as much as 40% on your benefits. Reasons to Consider a Broker Change The decision to change brokers typically stems from a loss of confidence in the broker. This could be due to strategic oversights on the broker’s end, such as failing to accurately predict market trends, a weak relationship with insurers, or an inability to procure the best coverage at competitive prices. Moreover, subpar service can leave clients feeling neglected and wondering what they’re paying their broker for. In other cases, a company might simply outgrow its current broker. As the business expands, it may require a broker with more advanced technical skills or better capabilities in managing costs effectively for a growing firm. How to Change Employee Benefit Brokers Contrary to common belief, switching brokers mid-term usually has minimal impact on the insurance or benefits programs and does not adversely affect employees. The existing coverage continues unchanged, while the new broker starts representing the client immediately with the existing carriers. A noteworthy consideration is the handling of ongoing claims. If the current broker is involved in resolving claims, the new broker will need to take over this responsibility. Similarly, for employee benefits, the transition to a new broker is smooth, with the new broker taking over responsibilities, including any dispute resolutions. Minor logistical tasks such as redirecting calls to the employee claims center and communicating details during open enrollment periods are managed efficiently by the successor broker. Benefits of Changing Brokers Mid-Term Changing brokers mid-policy can provide several advantages. Firstly, it allows the new broker ample time to familiarize themselves with the client’s program before renewal negotiations, offering a strategic advantage. Secondly, a new broker can quickly address technical policy issues or service gaps, potentially enhancing the user experience and reflecting positively on the management. Most importantly, there is typically no financial cost associated with changing brokers mid-term. Business insurance brokers generally begin servicing a new client without immediate payment, with compensation following at the next renewal cycle. In the realm of employee benefits, new brokers usually receive payment after insurance company fees are transferred, which occurs about two months after the change is initiated. How to Initiate a Broker Change Breaking up with your current broker is more straightforward than it seems, with much of the heavy lifting done by the new broker. The process starts with a Broker of Record (BOR) letter, a recognized industry standard for changing brokers. The client needs to print this letter on their company letterhead, sign it, and forward it to the new broker, who then submits it to the client’s insurance companies. There's typically a brief waiting period of five to ten days before the change takes effect, providing a short window for reconsideration. Once the insurance companies are notified, they usually confirm the change by contacting the successor broker. While it’s considered a professional courtesy to inform the current broker in advance about the change, it isn’t mandatory. The entire transition process can generally be completed in less than a month, allowing businesses to quickly benefit from their new broker’s services. Changing your benefit brokers need not be a daunting task. With careful planning and the right guidance, businesses can make the transition smoothly and reap significant benefits from a new brokerage partnership. Speak with a KBI Benefits agent today to initiate the process and start saving on your benefits sooner.
Despite their essential role in keeping the population food secure, farmers often struggle to protect their own families from sickness and mounting medical bills. That’s where KBI Benefits steps in, proudly offering UnitedAg medical plans tailored to meet the unique needs of agricultural professionals. If you’re in the agriculture industry and you’re looking for affordable healthcare coverage and wellness initiatives for your employees, let's discuss how KBI Benefits, partnered with UnitedAg, is making that process easier than ever. United Ag: Powering the Agriculture Industry’s Healthcare At KBI Benefits, we’re thrilled to extend UnitedAg medical plans to members of the agriculture industry. Our commitment to providing exceptional benefits packages is matched only by our dedication to supporting the health and well-being of your workforce. UnitedAg is designed to provide lower medical plan rates to agribusinesses than if they purchased a plan on the open market. KBI Benefits is simplifying this process even further. Speak with a KBI Benefits agent today to sign up for a UnitedAg medical plan for your business. Navigating the Enrollment Process Enrolling in UnitedAg medical insurance through KBI Benefits is a straightforward process designed to streamline your experience. Our team of experts is here to guide you every step of the way, ensuring that you understand your options and can make informed decisions for your organization. Simply reach out to a KBI Benefits representative today to kickstart the enrollment process and embark on a journey toward comprehensive healthcare coverage. Key Features and Benefits Highlighting the advantages of UnitedAg medical plans is essential to understanding the value they bring to your agribusiness. From extensive wellness programs to cost-saving initiatives, these plans are designed to prioritize the health and happiness of your workforce. Let’s delve into some of the standout features: Comprehensive Coverage: UnitedAg medical plans offer robust coverage options tailored to the needs of agricultural businesses. Whether it's routine check-ups or specialized treatments, you can rest assured knowing that your team has access to top-tier healthcare services. Wellness Programs: Promoting employee well-being is at the core of UnitedAg's mission. With a range of wellness programs aimed at fostering healthy habits and lifestyles, you can empower your workforce to thrive both in and out of the workplace. Flexibility and Support: KBI Benefits understands that every organization has unique needs. That’s why we offer unparalleled flexibility in crafting commercial medical insurance solutions that align with your specific requirements. Our team is here to provide personalized support and guidance, ensuring that you receive the coverage that best suits your organization. Exclusive Benefits: From free generics at Costco Pharmacies to virtual primary care services, UnitedAg medical plans come packed with exclusive benefits designed to enhance the overall healthcare experience for your team. With features like mental health support, travel reimbursement programs, and built-in Cobra administration, you can rest assured that your workforce is well taken care of. Empower Your Organization Today In conclusion, accessing UnitedAg medical insurance through KBI Benefits is a game-changer for agricultural businesses looking to prioritize the health and well-being of their workforce. With comprehensive coverage, extensive wellness programs, and exclusive benefits, these plans empower you to provide top-tier healthcare solutions to your team. Don’t wait any longer – reach out to a KBI Benefits representative today to unlock the benefits of UnitedAg medical insurance for your organization.
As the agricultural sector evolves and expands, the need for comprehensive medical plans tailored to the unique demands of this industry has become more pronounced. That’s why KBI Benefits is proud to offer UnitedAg medical plans designed specifically for agribusinesses, providing a robust solution to protect your employees and your agribusiness. Let’s discuss what agriculture medical insurance is, who it’s for, and how KBI Benefits can help you get started. What is Agriculture Medical Insurance? Agriculture medical insurance, particularly in the context of medical plans, offers coverage that protects farm owners, operators, and their employees against the financial burdens of medical expenses. This insurance is essential for mitigating the risks associated with illnesses and injuries that can be common in a physically demanding job. Health insurance for agribusinesses not only covers medical and hospital bills but often also includes wellness programs and preventive care, which are crucial in maintaining a healthy workforce. How to Receive Agriculture Insurance for Your Agribusiness The scope of agriculture medical insurance, extends to many entities in the agricultural sector, including entities that empower or influence agricultural businesses. This includes: Agriculture Production: Businesses engaged in crop and livestock production. Agricultural Services: Companies providing support services to the agriculture sector, such as soil preparation, planting, and harvesting. Forestry and Timber: Entities involved in the management and production of forest resources. Commercial Fishing and Hatcheries: Businesses focused on the breeding, raising, and harvesting of fish and other aquatic species. Agribusiness Support: Firms involved in the processing, distribution, and marketing of agricultural products, as well as those supplying equipment and inputs like seeds, chemicals, and machinery. To qualify for UnitedAg medical plans through KBI Benefits, companies must demonstrate that they derive at least 51% of their income from production agriculture or agribusiness-related activities. Most businesses within the Standard Industrial Classification (SIC) Codes for Agriculture, Forestry, and Fishing are eligible, although there are specific criteria and exceptions that may apply. Speak with a KBI Benefits agent today to learn more. How KBI Benefits Facilitates Agriculture Insurance KBI Benefits, in collaboration with UnitedAg, provides specialized medical plans tailored to the needs of the agricultural industry. Our recent appointment to offer agriculture medical plans underscores our commitment to enhancing the well-being of those who work hard to feed the nation. Here's how we help: Customized Solutions: We understand that no two agribusinesses are the same. KBI Benefits offers personalized consultations to ensure that the coverage meets the specific needs of each business, considering factors like company size, types of activities, and employee needs. Easy Accessibility: Our team of dedicated agents is just a call away, ready to guide you through the process of selecting and setting up the right plan for your business. Comprehensive Coverage: The UnitedAg medical plans offered by KBI Benefits cover a range of health services, from emergency care and hospitalization to preventive wellness programs, ensuring comprehensive coverage for your workforce. Support and Advisory: Beyond just providing insurance, we serve as a partner in ensuring the health and productivity of your employees, offering ongoing support and advice regarding your agriculture medical insurance to keep your operations running smoothly. Conclusion The health of your employees is as critical as the health of your agribusiness. In an industry as physically demanding as agriculture, having the right medical coverage is not just beneficial; it's essential. Protect your most valuable asset—your people— by speaking with a KBI Benefits agent today . We'll help you choose the agriculture medical insurance plan that best suits your agribusiness's needs, ensuring peace of mind and fostering a healthier, more productive workforce.
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As rates continue to climb, many companies find themselves questioning whether it is the right time to switch their insurance and employee benefits broker. It's a significant decision, especially given that most firms are hesitant due to the anticipated complications. However, the process of finding and transitioning to a more adept broker is often simpler and less disruptive than many anticipate. This might be the ideal opportunity to seek a new partnership, especially with the rising costs of insurance and employee benefits. Speak with KBI Benefits today to allow our experts to handle the transition for you while saving your company as much as 40% on your benefits. Reasons to Consider a Broker Change The decision to change brokers typically stems from a loss of confidence in the broker. This could be due to strategic oversights on the broker’s end, such as failing to accurately predict market trends, a weak relationship with insurers, or an inability to procure the best coverage at competitive prices. Moreover, subpar service can leave clients feeling neglected and wondering what they’re paying their broker for. In other cases, a company might simply outgrow its current broker. As the business expands, it may require a broker with more advanced technical skills or better capabilities in managing costs effectively for a growing firm. How to Change Employee Benefit Brokers Contrary to common belief, switching brokers mid-term usually has minimal impact on the insurance or benefits programs and does not adversely affect employees. The existing coverage continues unchanged, while the new broker starts representing the client immediately with the existing carriers. A noteworthy consideration is the handling of ongoing claims. If the current broker is involved in resolving claims, the new broker will need to take over this responsibility. Similarly, for employee benefits, the transition to a new broker is smooth, with the new broker taking over responsibilities, including any dispute resolutions. Minor logistical tasks such as redirecting calls to the employee claims center and communicating details during open enrollment periods are managed efficiently by the successor broker. Benefits of Changing Brokers Mid-Term Changing brokers mid-policy can provide several advantages. Firstly, it allows the new broker ample time to familiarize themselves with the client’s program before renewal negotiations, offering a strategic advantage. Secondly, a new broker can quickly address technical policy issues or service gaps, potentially enhancing the user experience and reflecting positively on the management. Most importantly, there is typically no financial cost associated with changing brokers mid-term. Business insurance brokers generally begin servicing a new client without immediate payment, with compensation following at the next renewal cycle. In the realm of employee benefits, new brokers usually receive payment after insurance company fees are transferred, which occurs about two months after the change is initiated. How to Initiate a Broker Change Breaking up with your current broker is more straightforward than it seems, with much of the heavy lifting done by the new broker. The process starts with a Broker of Record (BOR) letter, a recognized industry standard for changing brokers. The client needs to print this letter on their company letterhead, sign it, and forward it to the new broker, who then submits it to the client’s insurance companies. There's typically a brief waiting period of five to ten days before the change takes effect, providing a short window for reconsideration. Once the insurance companies are notified, they usually confirm the change by contacting the successor broker. While it’s considered a professional courtesy to inform the current broker in advance about the change, it isn’t mandatory. The entire transition process can generally be completed in less than a month, allowing businesses to quickly benefit from their new broker’s services. Changing your benefit brokers need not be a daunting task. With careful planning and the right guidance, businesses can make the transition smoothly and reap significant benefits from a new brokerage partnership. Speak with a KBI Benefits agent today to initiate the process and start saving on your benefits sooner.