Dynamic Work/Life Solutions Blog

Improve the Online Benefit Enrollment Experience

Posted by Blog Tipster on Wed, Mar 29, 2017 @ 04:32 PM
Support Services for Online Benefit Enrollment

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eni’s BalanceBenefits Call Center Support Services for Online Benefit Enrollment provide high-volume companies with benefit enrollment support during busy enrollment times, and provides and delivers on-going benefit support for employees throughout the year.  These services are designed to increase efficiency and participation, all while reducing the burden rate for you and your staff.

eni’s extensive background in providing benefit integration services, combined with its state-of-the-art call center make it the perfect choice for handling heavy enrollment times for any business.

Call Center Capabilities Include:

  • Online enrollment
  • Call center recording capabilities
  • 24/7 multi-lingual support
  • Out-reach capabilities
  • Licensed agents on staff
  • On-going benefit support
  • Comprehensive information on your entire benefit offering
  • And more…

 

Click here or contact [email protected] for more information.

Tags: Benefit Communication, employee satisfaction, employee engagement, Benefit Enrollment, benefit engagement

Life Event Technology

Posted by Blog Tipster on Thu, Nov 03, 2016 @ 11:07 AM

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With the myriad of software and mobile apps designed to simplify benefit administration, the focus shifts from meeting employee needs to consolidating employee benefits.  Employees become lost in a maze of benefits, resulting in underutilization of their benefits and a lack of knowledge about how their benefits can meet their everyday needs.  Life event technology changes all that by bringing the focus back to the individual – by addressing each individual employee’s unique life needs through harnessing the power of modern technology.

What is a life event and how do life events relate to benefits?  A life event is defined as “any significant step, event, or milestone a person may experience in their life”.  Consider all of the life events that employees may experience over the course of their career – from getting married, to pregnancy, to grief, to finding the right college for their child, all the way up to retirement.  With traditional benefit administration technology, benefits are consolidated but still siloed with no connection to the life events occurring in employees’ lives.  An employee purchasing a home has no guidance on how any of his or her existing benefits can help during the home buying process.  Similarly, an employee providing care for an ill family member is provided no information as to how his or her benefits can alleviate the stress of caregiving.  Using life event technology, an employee’s life event is the hub around which the employee’s benefits revolve, with each benefit applied to assist with each unique life event.

Let’s take a more in depth look at the two life events mentioned above that many employees experience to see how life event technology works to assist employees:

Purchasing a Home

Buying a home is a significant and often overwhelming time in a person’s life.  Fortunately, many employees have a variety of benefits available to support them throughout this process.  For example, an employee may choose to access their Retirement Benefit in order to borrow money against their 401K for a down payment.  The employee could utilize their Work/Life Benefit for assistance researching home prices, neighborhoods, school districts, moving companies, etc.  The employee could also use their Financial Benefit to learn about mortgage structures, interest rates, rolling property taxes into the mortgage or paying separately, etc.  Finally, the employee could access their pre-paid Legal Benefit to help review closing documents.

Caring for a Loved One With a Serious Illness

Helping a loved one through a serious illness is a stressful and emotional time that often impacts an employee’s overall productivity.  There are many benefits that can help with this distressing life event.  Of course, if the loved one is a dependent, the employee will be utilizing their Health Insurance frequently.  When dealing with a serious illness of a dependent, an employee’s Health Advocacy service would be very helpful with specialist referrals/pre-authorizations/bill mediation/medication information/etc.  If the loved one has a terminal illness, the employee should be reminded to review their Life Insurance benefit.  The employee could also utilize their free Legal Consultation to assist in developing an estate plan if the diagnosis is terminal.  Dealing with the illness of a loved one can be extremely stressful and an employee’s EAP is available to help them handle the situation.  Caring for a loved one can also be draining and even start to impact the employee’s own health.  By utilizing their Wellness Benefit the employee can learn relaxation techniques/healthy eating techniques/quick exercises/etc. to help keep themselves healthy.

As we can see, even the most unlikely benefits can complement one another.  With life event technology, employees receive individual guidance about how their benefits can work together to assist with their life events.  As a result, employers receive a higher return on investment of their benefit dollars while employees receive a much more effective benefit experience and customized guidance about their individual life needs.

Learn more about our life event technology and join the HR revolution by reviewing BalanceBenefits on our website.   You can order “Beyond Benefits” by Gene Raymondi, CEO and thought leader, watch our quick video, request a demo, or simply send us an email requesting more information.   

We look forward to helping you with your benefit needs!

Tags: Benefit Communication, Integrated Technology, Benefits, Life Events, Benefit Enrollment, benefit engagement, benefit mobile apps, benefit administration, life event technology

BalanceBenefits: Brokering Communication Across Generations

Posted by Blog Tipster on Wed, Mar 23, 2016 @ 04:12 PM

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How can brokers remain responsive and connected to their clients while aggressively pursuing new partnerships?  In today’s fast paced and competitive landscape, brokers are often pressed to provide the support and ongoing communication that their valued customers demand.  Let eni’s customer care center and benefit engagement software help by providing enhanced benefit communication and expert level support to your customers! Employees will appreciate and be more connected to their employee benefit package – and your customers will recognize a greater return on their benefit dollars.    

Just how connected are employees to their benefits today? Well, a 2015 MetLife study reveals that over half of employees (53%) surveyed indicated that they “need more help understanding how their benefits work or how benefits meet their needs.” Perhaps because employees did not understand their benefits, nearly 42% also indicate that they “did not believe they used their benefits effectively.” (MetLife 2015)  Effective communication about benefits to employees can help employees both understand and use their benefits appropriately.

The question becomes, what is the best way to communicate to employees? The answer – it depends … on the generation of the employee!  Multiple generations of employees are presently in the workforce – Baby Boomers, Generation X, Millennials, and Post Millennials. ).  In 2015, the percentage of Millennials in the workforce became larger than the Baby Boomers, effectively becoming the largest generation in the workforce (Pew Research 2015).  The Generation X population will, similarly, outnumber the Baby Boomers in 2028. Clearly, communicating effectively with multiple generations will continue to be a priority.   

With so many generations in the workforce, a blanket communication style will just not be as effective as multiple methods of communicating about benefits (Wall Street Journal 2014).  Although there are always exceptions, research shows that Baby Boomers and Generation X may prefer communicating by telephone, via email, or in person.  In contrast, Millennials and Post Millennials prefer communicating by smart phone, using apps, texts and instant messages. In fact, the youngest generation is on mobile devices “88 percent of the time” (Fluent Study 2016).  Clearly, communicating about employee benefits to this multi-generational workforce needs to extend beyond the traditional in-person benefit orientations and face-to-face trainings. 

How can BalanceBenefits enhance benefit communication to this multi-generational workforce?  Well, BalanceBenefits offers multiple ways for employees to access and communicate with benefit engagement specialists about their benefits.  Employees can communicate with specialists through their telephone using a benefit engagement call center, through their computer using a member web portal, and through their smart phone using a mobile application. Benefit communication for all generations is no problem with BalanceBenefits!    

Stand out by being a broker, who provides unparalleled customer support while assisting with benefit communication and education, by offering BalanceBenefits to your customers!

Learn more about our suite of benefit engagement software, including our BalanceBenefits mobile app, on our website.  You can order “Beyond Benefits” by Gene Raymondi, CEO and industry thought leader, watch our quick integrated benefits video, or simply send us an email requesting more information.   

We look forward to helping with your benefit needs!

Tags: Benefit Communication, Benefit Enrollment, broker of record, brokers, BalanceBenefits

BalanceBenefits and the Mobile Broker

Posted by Blog Tipster on Wed, Jan 20, 2016 @ 03:31 PM

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Brokers are always looking for new opportunities to effectively partner with their customers.  Providing ongoing, effective benefit education, communication, and support for companies and their employees is just the ticket to helping brokers stand out! The most recent Prudential Study of Employee Benefits found that employers’ top benefit strategy is to improve “the overall effectiveness of benefits communication”.   According to Prudential, ensuring regular, effective benefit communication is so important that employers are increasingly seeking to give carriers and TPAs a role in benefit communication.  Well it is time for brokers to step in and have a role too!  

How can you communicate about benefits effectively with employees?  Well, communicating about and engaging employees with their benefits on a regular basis, beyond new hire orientation, is important.  Employers are gravitating “towards a year-round, more value-added benefits education and enrollment strategy” (Prudential).   This is no surprise to brokers, who agree that benefit “communications and enrollment would be more effective if they took place at a different time of the year from medical insurance enrollment” (Prudential).  Next, effective benefit communication should use employees’ desired method of communication, be it call center and/or digital benefit support.

Finally, ensuring easy access for employees to their benefit information is crucial.  Many employees presently use their desktop (39%) or laptop (27%), but with the advent of the smart phone, nearly a quarter of employees prefer to use their mobile device to access their benefits (Prudential).  With the number of mobile devices now outnumbering desktops and laptops (Kleiner Perkins Caulfield Byers 2015), a mobile app designed specifically for benefit functions is a must!

Is there a particular area where employers would like help?  Well, a recent study revealed that employers would like help communicating with employees “during particular life events or life stages, such a marriage, divorce, or the birth or adoption of a child” (Prudential).  Employees, nearly 63% of those surveyed, were similarly very interested in “being notified of benefit changes or options at the time of a life event” (Prudential).  Employers and employees alike recognize the importance of knowing about benefit options available at the time of employee life events! 

The question then becomes, how can employers communicate about these benefits effectively, especially when life events occur for employees?   The answer is by turning to their broker, who can provide a unique and highly individualized approach to benefit administration and communication, complete with a comprehensive mobile app driven by life events that houses all benefit information! 

With BalanceBenefits suite of benefit engagement services including 24/7 call center support, a mobile app, as well as administrative and member web portals, employees will receive just that – benefit recommendations tailored to their individual needs!  Employees can select individual life events they need assistance with and receive benefit recommendations customized to meet their needs.  Benefit notifications, plan information, and custom benefit recommendations are available immediately in the palm of employees’ hands by using our mobile app or with the click of a mouse on their desktop.  Stand out, and become broker of record, by providing unparalleled customer support while assisting with benefit communication and education, by offering BalanceBenefits to your customers!

Learn more about our suite of benefit engagement services, including our BalanceBenefits mobile app, on our website.  You can order “Beyond Benefits” by Gene Raymondi, CEO and industry thought leader, watch our quick integrated benefits video, or simply send us an email requesting more information.   

We look forward to helping with your benefit needs!

Tags: Benefit Communication, Benefit Integration, Benefit Enrollment, broker of record, brokers

Balance Your Benefits… Balance Your Life

Posted by Blog Tipster on Wed, Sep 30, 2015 @ 04:02 PM

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Let’s face facts: Benefits are not a subject that typically comes up in casual conversation, unless of course you’re an actuary and developing risk models is your field of work.  But for the rest of us, we don’t think about benefits until we actually need them.  When it comes to benefits, the scenario is pretty much the same:  we learn about them during our initial employee orientation, then fill out a bunch of forms, and our paychecks are “magically” deducted through the wonders of technology.  After that, we usually forget about them.

Then a crisis arises, like a broken leg during a ski trip or we need to take care of a sick, elderly parent and need more information about the Family Medical Leave Act (FMLA).  What is the first thing we do?  We call HR.  However in today’s business climate, the HR focus has been placed on strategic planning.  As a result, it has become increasingly challenging to organize, manage and properly administer a robust benefits package in order to answer employees’ questions in an efficient and timely manner.   

Most of the time, the answer is on a piece of paper, in a file that is in a locked cabinet of co-worker’s desk.  What happens if that co-worker is on vacation for a week?  What do you do?  Do you wait?  Do you call the benefit vendor?  What if you need to access multiple benefits, do you call each one for information?  Situations like this happen more than you think and can be tedious and quite messy.

But, what if EVERY benefit were organized in ONE place, accessible 24/7, as well as being organized by EACH individual employee?  You’d probably say that’s impossible.

Not anymore.  eni has recently developed a new feature to its BalanceBenefits  engagement software called HRDirect.  This innovative solution allows any HR department to upload and manage every Specific Plan Design, and Summary Benefits Coverage, as well as ways in which to contact the vendor if necessary.   HRDirect does ALL the work, so you don’t have to.  Just give us the information and we will organize by employee group, benefit plan, or in any other manner that makes the most sense for your business. 

With access to HRDirect, you will be able to review each benefit plan, EVERY employee’s individual benefit package, and answer your employees’ questions accurately, efficiently and quickly.  Gone are the days of wasting time finding the right piece of paper or the right person who has the right answer.  The answer will be at your fingertips, saving you precious time!

To learn more about how HRDirect can revolutionize the way you manage your organization’s benefit package, contact eni at 1. 800.364.4748 x2340 or visit us at www.eniweb.com.

Tags: Benefit Integration, Integrated Technology, work/life balance, Benefits, Benefit Enrollment

Ready for the C-Suite, HR? BalanceBenefits is Your Strategic Partner

Posted by Melissa Mayfield on Wed, Jul 15, 2015 @ 09:12 AM

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Welcome to eni’s BalanceBenefits!  We are expert designers of integrated benefit solutions, individually tailored to meet your unique and evolving benefit needs!

We’ve introduced our integrated benefits model, which includes a Benefits Information Line and Web Portal, and learned how our Integrated Benefit and Human Capital Design teams assist us in designing a customized integrated benefit model for your company resulting in a real ROI (“return on integration”)!  Using a “life events” focus, we’ve explained how we connect employees to their benefits through “knowledge points” while supporting your corporate culture.  As our last few entries have explained, not only can you “win the talent war” by using our integrated benefit solution to retain talented employees and recruit skilled new employees, you can simultaneously increase your employees’ engagement with their jobs and benefits as they navigate their benefit information independently.  

Today we are going to talk about how our portfolio of services can support HR professionals as they take their rightful seat in the executive suite:

Numerous articles have, as of late, referenced the evolving role of HR within the corporate world. Whether favorable or unfavorable towards HR, the consensus of these articles is clear - the role of HR is changing.  In the most recent edition of the 2015 Harvard Business Review, CEOs are encouraged, in fact, to elevate the role of HR by creating “a triumvirate at the top of the corporation that includes both the CFO and CHRO”. Why is elevating HR to this level, now, so important?  Well, as the importance of data analytics has been recognized and increasingly utilized in making human capital management decisions, it has become clear that “forming such a team is the single best way to link financial numbers with the people who produce them”. 

The importance of HR acting as a strategic partner is clear. According to a recent Forbes article, however, little to no change has occurred since 1995 in how HR actually spends its time.  In fact, HR continues to spend “less than 15% of its time as a strategic business partner”.  Despite numerous competing priorities, nearly a third (32%) of HR professionals have actually increased the amount of time they spend on educating employees about their benefits, according to a recent Merrill Lynch report.

Let BalanceBenefits, with our customer care center and benefit engagement software, help time strapped HR Professionals find the time to act as strategic business partners.  By offering multiple points of access, whether via phone, internet or mobile app, employees can independently review, select, and utilize their employee benefits.  When guidance is needed, trained Benefit Information Specialists are only a phone call or chat room away, ready to assist 24/7.  Finally, busy HR Professionals can focus on the strategic plan and not on answering mundane benefit questions or fighting with benefit vendors.

Learn more about our integrated benefit solution and join the HR revolution by reviewing BalanceBenefits on our website.  You can order “Beyond Benefits” by Gene Raymondi, CEO and industry thought leader, watch our quick integrated benefits video, or simply send us an email requesting more information.   

We look forward to helping with your benefit needs!

Tags: Benefit Communication, Benefit Integration, Benefit Information Portal, Human Resource Management, Benefits, Benefit Information Line, Benefit Enrollment