Most of us would agree that at the epicenter of every successful business is client satisfaction. We at Chimienti & Associates have built our foundation on helping you better serve your clients--Business Owners, Human Resource Representatives, Benefit Plan Administrators--those responsible for securing the best Group and Voluntary Benefit plans for their company’s employees.

As a Managing General Agent (MGA), Chimienti & Associates is fully equipped to communicate and implement work-site benefits, including Core Benefit Enrollment and Flexible Benefit Plans for clients you have determined appropriate. Currently, we enjoy over one hundred such broker relationships for two primary reasons:

• PLANNING AND SCHEDULING - Chimienti & Associates will be responsible for working with you in planning and scheduling your enrollment. Our benefits counselors can conduct both management and employee information meetings.

• PROGRAM OVERVIEW - The benefits counselors will explain the concept of a flexible benefits plan and will discuss the positive effects the plan can have on the organization.
• PROCEDURES - Counselors will completely explain the enrollment procedures to the managers, particularly the scheduling requirements for employees.
• QUESTION & ANSWER SESSION - Managers can ask questions and receive information on all aspects of a flexible benefits plan.

• PROGRAM OVERVIEW - The benefits counselors will give a short presentation of the plan for employees. This overview will also highlight the enrollment process and insurance companies service capabilities.
• AUDIO-VISUAL PROGRAM -The presentation can feature a flexible benefits audio-visual program to reinforce the educational process.
• QUESTION & ANSWER SESSION - At the end of "the group meeting", our benefits counselors will answer questions the employees may have on the plan.
• NEWSLETTERS AND WORKSHEETS - Benefit counselors can also distribute these materials and your employees may complete the worksheet before returning for their individual enrollment session.

• REVIEW CURRENT BENEFITS PACKAGE - Our benefits counselors will update each employee on their existing benefits package. This service can result in favorable employee relations for the organization by making the employees more aware of the benefits that are available.
• DISCUSS FLEXIBLE BENEFITS PLAN - Counselors will then inform and advise employees on all aspects of the flexible benefits plan, and answer any questions they may have.
• PRESENT PREMIUM CONVERSION - Our benefits counselors will update each employee on their existing benefits package. This service can result in favorable employee relations for the organization by making the employees more aware of the benefits that are available.
• REVIEW SALARY ILLUSTRATION - Counselors will then inform and advise employees on all aspects of the flexible benefits plan, and answer any questions they may have.
• PRESENT FLEXIBILE SPENDING ACCOUNTS - Counselors will also discuss the flexible spending accounts with the employees, and answer any questions they might have.
• REVIEW WORKSHEET - Counselors will review each employee’s dependent care and medical reimbursement account worksheets to help the employees determine which plans will be most beneficial to them.
• PROVIDE CLAIMS PROCEDURES PACKET - For each employee who chooses to participate in the flexible spending accounts program, our counselors provide the employees an employee claims procedures packet. This information outlines the steps employees must take to file a reimbursement claim.
• VOLUNTARY COVERAGES - Counselors will also give the employees the option to purchase additional coverage. These voluntary products are designed to enhance, not replace, existing group benefits. Most of our products are eligible for pre-taxing under a flexible benefits plan based on Section 106 of the IRS Code, so employees can purchase these benefits with pretax dollars. All benefits selections are completely voluntary, with no minimum participation requirements.
• COMPLETE ELECTION FORM - At the end of the enrollment, counselors will ask each employee to sign an election form indicating their choice of whether or not to participate in the plan. This form documents the employee’s choice of benefits, along with the salary reduction agreement. Election forms can also serve as payroll entry documents for your payroll department.

• EMPLOYER ANNOUNCEMENT MEMO - We can provide you with a standardized memo to introduce the plan to your employees. This memo presents the advantages of the plan, and may also include the premium conversion program and/or flexible spending accounts. This memo serves as the employer’s endorsement of the plan, as well as an announcement of Chimienti & Associates, as the implementers. The employer may tailor this memo as needed.
• ANNOUNCEMENT POSTERS - Specifies the time and place of the group meetings.
• PAYROLL INSERT - Promotes the upcoming enrollment.
• BROCHURES - Explains the flexible benefits plan in an easy-to-understand question and answer format.
• NEWSLETTERS - Three newsletters we provide are: premium conversion, medical reimbursement, and dependent care assistance. Benefits counselors may distribute these materials prior to the individual counseling sessions and provide detailed information on how the flexible benefit plans may impact employees. The newsletters on medical reimbursement and dependent care assistance contain a worksheet that employees may use to estimate expenses. The dependent care newsletter also discusses the advantage of pre-taxing versus taking the child tax credit. Finally, they stress the importance of selection a proper amount for pre-taxing in order to avoid forfeiting funds through the "use it or lose it" rule.
• SALARY ILLUSTRATION -One of the most useful tools we provide each employee is a personalized salary illustration. From existing payroll information, the counselor will produce an illustration for each employee that shows the impact that pre-taxing will have on that employee’s income. It also shows how additional amounts of pre-taxed deductions will affect taxes and net pay. The payroll information is kept in strictest confidence, and employees see only their own illustration. By seeing exactly how the informed decision regarding whether or not to participate.
• AUDIO-VISUAL PRESENTATION - Reinforces the educational process during the group meetings.