TMC benefits Inc., specializes in providing a full range of insurance products and services for public and private companies of any size, as well as educational institutions, alumni organizations, professional organizations, non-profit organizations and religious institutions. We also have a division that specializes in helping individuals meet all their personal insurance needs.

Our Services:

TMC Benefits Services offers it's clients a full range of employee benefit consulting services tailored to specific needs. Our services & products include:

Plan Design Consulting

• Analyze and evaluate the design of all welfare benefit programs
• Compare plan designs and benefit programs with organizations in similar industries
• Recommend changes in plan design to achieve financial objectives
• Prepare and obtain cost estimates for proposed plan changes
• Advise on industry trends and new developments

Financial Management

• Evaluate and negotiate premium rates
• Conduct marketing studies to obtain proposals from alternative insurance companies
• Analyze claims experience
• Develop rate projections for upcoming renewals
• Reconcile insurance company's year-end financial accounting
• Create employee contribution schedules to achieve corporate objectives
• Analyze and recommend alternate funding arrangements, when appropriate

Plan Administration

• Assist with claim problems and declinations
• Interpret contractual provisions
• Review summary plan descriptions and contracts for accuracy and completeness
• Assist with premium discrepancies
• Assist with eligibility problems

Employee Communications

TMC Benefits Services offers a comprehensive package of employee communication services. Our services include preparation of:

• Announcement brochures and memorandum
• Enrollment packages
• Employee presentations
• Benefit booklets
• Summary plan descriptions
• Flexible benefit programs

Flexible Benefit Programs

• Design and implement multi-option (cafeteria) benefit programs
• Price plan design options
• Prepare and evaluate employee surveys
• Preparation of plan documents for review by counsel
• Design and implement health and dependent care Flexible Spending Accounts
• Record keep and process claims for Flexible Spending accounts

Government Compliance

Changes in insurance laws are enacted on a regular basis at both the state and federal level. As an employee benefit consultant, TMC Benefits Services makes certain our clients' plans are in compliance with all insurance laws.

We also provide technical support in the following areas:

• ADEA Guidelines
• COBRA
• Coordination of Benefits
• ERISA
• Family Leave Act
• State Mandates
• Section 79 - Life Insurance Imputed Income
• Section 125 -Flexible Benefit Programs
• 5500 Forms

Products

• Medical Insurance
• Dental Insurance
• Life Insurance
• Statutory and Non-Statutory Disability Insurance
• Long Term Disability Insurance
• Flexible Benefit Programs
• Health Savings Accounts
• Health Reimbursement Arrangements