Products & Services At Polaris Benefits, LLC, we assist employers with various aspects of Human Resources and Employee Benefits. We also provide financial products and services for individuals. Group Benefits Medical Dental Vision Life AD&D Short Term Disability Long Term Disability EAP Long Term Care Disease Management Voluntary Products 401(k) Plans Individual Insurance Products & Investments Life Disability Income Long Term Care Fixed Annuities Estate Plans Mutual Funds Variable Annuities IRAs College Savings Plans Specific Services Available Conduct broad-based market survey on all contracts each year. Develop multiple options for each competitive plan. Assist in Plan design and cost analysis. Negotiate final rates and terms with each carrier and other service providers. Supervise and conduct the annual open enrollment process. Assist in On-Line Plan Administration. Provide Online Portal for Human Resources. Provide oversight of all carriers, third party administrators, and other service providers. Provide HIPAA compliant claims and health care information directly to employees and their families when needed. Provide Human Resources with a summary of all information pertinent to the Benefits Program. Design and print the Employee Benefits Guide each year. Design and print a “payroll stuffer” with contact information for all insurance carriers. Perform additional services as needed. (See here.) If you are an employer & would like to change brokers, click here for a broker of record letter, a quote request and a Medical census or a Life census.For any of the above files as working documents, please email us and we will send those to you.