Job Description
Job Description
JOB OVERVIEW
The Employee Benefits (EB) Client Specialist is the Relationship Manager's day-to-day associate who ensures that benefit implementation, pre-renewal, renewal, and open enrollment are satisfactorily met for the client and their employees.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- To Exceed Our Customers' Expectations
Responsibility
Track and process renewals for assigned clients :Discuss upcoming renewals with the Relationship Manager to learn about the client's needs.Contact carriers for all renewals before the effective date - calculate the percentage increase / decrease and discuss with the assigned Relationship Manager.Request updated census from the client (if a Employee Navigator client, contact group to make sure all employee changes have been made, then pull census from the system) and verify all necessary information has been provided.Prepare proposals for specified clients :Gather information needed for the RFP (experience reports, benefit summaries, current invoices, etc.).Quote with carriers plan design modifications discussed with Relationship Manager.Note some carriers require census data to be in their specific format. Reformat census as required.Assist the Relationship Manager in preparing the formal proposal.Prepare comparisons for clients :Accurately prepare the comparison for the Relationship Manager. This includes, but is not limited to :
Personalizing the comparison to include all options and riders selected by the Relationship Manager - these will be noted on the Quote Request.
Verifying the accuracy of copays, deductible and out-of-pocket calculations - per the carrier Benefit Summaries.Calculate rates, including all additional premiums for options and riders.Process sold cases for clients :Complete necessary applications with the client and submit them to the carrier.Review employee applications for missing / incomplete data. Work with the client to obtain and submit the missing information to the carrier.Track the process with the carrier and ensure all necessary procedures have been completed thoroughly and accurately.Prepare the formal proposal for the client, which may be bound, including copies for all in attendance and other required materials (i.e., Provider Directories, Prescription Drug Formulary Lists, sample enrollment forms, etc.).Prepare Open Enrollment MaterialsRequest carrier packets, including benefits summaries, SBC, and enrollment forms.Customize the Annual Notices booklet.Obtain any value-added fliers from the vendor.Assemble packets as needed.Supply client with electronic copies of the benefit summaries and enrollment forms for their files.If an Employee Navigator Client, gather all required benefit summaries, forms, documents, and rates and save them in the Employee Navigator file in the G Drive and coordinate with the EB System Specialist.Bright Sheets / Agency Bloc UpdatesUpdate Agency Bloc with data from the bright sheets supplied by the Relationship Manager.Make sure enrollment counts are accurate (may need to request invoices)
Verify commission ratesEnter annual premium amountsEnter accurate benefit rates and enrollment countsAttach benefit summaries, policies, bright sheetsEstablish positive relationships with key contacts at each carrier so that when issues arise in the absence of the Relationship Manager, they know who to call and how to obtain a prompt response. This includes assisting clients and employees with claims and benefit questions or concerns when the Relationship Manager is unavailable.Continually communicate / coordinate with the appropriate Relationship Manager on renewals, meetings, and major issues / concerns of specified cases.QUALIFICATIONS :
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements below represent the required knowledge, skill, and ability.
KNOWLEDGE AND EDUCATION / LICENSE(S)
Minimum of two years experience in employee benefits.
Preferred : A college degree.
LANGUAGE SKILLS
Ability to read, analyze, and interpret journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from clients, regulatory agencies, or business community members in a professional manner. Ability to effectively present information to top management, public groups, and boards of directors.
TECHNICAL SKILLS AND ABILITIES
Computer proficiency is required in Word, Excel, and PowerPoint. Ability to format with aesthetic presentation and calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to define problems, collect data, establish facts, and draw valid conclusions.
NON-TECHNICAL SKILLS AND ABILITIES
Strong organizational and project management skills. Excellent written and oral communication.
