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Today’s workforce has come to expect a comprehensive benefits package. With the right benefits and cost, an employer can attract and retain the best personnel. But, planning a benefits package is complex and involves making decisions that will impact employers and employees alike.

When you partner with Pierce Group Benefits, you have the ability to obtain a comprehensive employee benefits package without making sacrifices, without creating more costs, and without having to make cuts elsewhere.

Health Coverage:

Anyone can place your health coverage. But do they consider which benefits are most important to you? Your budget? How about your employees' budgets?

No one knows your group like you do. We believe you should have the option and flexibility to be in control of your group’s health care plan. When you partner with Pierce Group Benefits, you get a team that combines your understanding of your group with our industry knowledge. From there, we shop the market according to your group's needs and strategically develop a unique health insurance package that includes the benefits and cost savings that make the most sense.

Why partner with Pierce Group for your health coverage?

You get a fully staffed group with a thorough knowledge of the North Carolina insurance market, funding options and provider network availability
We take an analytical, strategic approach to designing health coverage to meet your needs and budget
We serve as an advocate for service and claims issues and offer creative solutions for your benefit administration obstacles

Managing constantly rising health care costs is a challenge. As partners, Pierce Group can help you explore and examine all of the options and find creative solutions.

How do we do it?

Follow a structured evaluation and recommendation process and look for opportunities to design better plans given your unique circumstances
Compare future benefits and prices from all the major carriers to find an optimal solution. The solution becomes the benchmark for success for future evaluations.
Help you manage your program for full effectiveness
Provide extensive account maintenance including semi-annual analytical review to measure the plan designs success

Consumer Driven Healthcare Plans (CDHP)

Use tax-advantaged saving and spending accounts to pay for qualified medical expenses
Health Reimbursement Arrangements (HRA), Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)
At Pierce Group, we will identify the insurance plan that best fits your needs and pair that plan with a funding arrangement (HRA, HSA and/or FSA) that gives you and your employees the best value

Dental Insurance:

As an employer, you are often faced with unique challenges when it comes to providing a truly comprehensive benefits package. Adding more benefits usually means making cuts in another. But as you, like many other employers, struggle to balance budgets in difficult economic times, dental benefits can provide a good return on investment, contributing to the oral and overall health of your employees.

After evaluating plan designs from numerous carriers, we recommend options to best fulfill your group’s needs. From there, you have the option to select the carrier of your choice to maximize your benefit offerings.

Dental benefit features:

Pierce Group currently administers dental coverage for over 53 NC public sector clients
Multiple plan design options to meet your budget constraints

ID cards and booklets mailed to the employees’ home address
Online billing and administration
List bills
Multiple billing frequencies
COBRA Administration included

Following is a quote from another school system that transitioned to Pierce Group Benefits in 2009:

“…with the latest work that Pierce Group has done with Wilkes County Schools I feel compelled to write a letter of praise to you, for you have figured a way to save our school system nearly $100,000 in our dental plan while maintaining a fine program for our employees.” - Stephen C Laws, Superintendent, Wilkes County Schools

Vision Insurance:

According to “Vision Care: Focusing on the Workplace Benefit,” published by The Vision Council in late 2008:

40 percent of Americans fear they cannot afford adequate vision treatment, while 63 percent said they would sign up for vision care coverage is given the opportunity, and two-thirds say they would be more willing to get an eye exam if they had some coverage.
Yet, only 17 percent of employers report offering vision insurance.

You may find it necessary to reduce or eliminate some components of their benefits package to meet budgetary constraints. But voluntary benefits, such as vision insurance, provide value to employees and have little or no added expense to you.

Vision benefit features:

Pierce Group currently administers vision coverage for over 63 NC public sector clients
Vision coverage offers an abundance of flexibility, allowing for numerous different funding and plan design options

Group Term Life Insurance:

According to the 2010 Life Insurance Ownership Study conducted by the Life Insurance and Market Research Association (LIMRA), 35 million households in America, about one-third of the total number, have no life insurance protection whatsoever, and 58 million are under insured — the highest level ever measured.

As an employer, group term life insurance provides a convenient way for you to offer your employees easy-to-buy, affordable life insurance coverage.

Group term life benefit features:

Pierce Group currently administers group term life coverage for over 50 NC public sector clients
Choice of multiple plans with multiple carriers
Booklets mailed to the employees’ home address
Online billing and administration
List bills
Multiple billing frequencies
Beneficiary housing at the carrier

Short & Long Term Disability

Protecting your income is vital and can be overlooked quite often. At Pierce Group, we work with North Carolina’s leading Disability Insurance carriers to make certain that your employees’ incomes are protected in the event of sickness or accident.

Disability insurance benefit features:

Short Term Disabilty (STD) and Long Term Disability (LTD) plans can be purchased separately or built to work in conjunction with one another

Protect up to 70% of income in case of sickness, accident or pregnancy
Pays regardless of any other benefits including sick days or workers comp
Maternity benefits are covered the same as any other covered sickness