Employee Benefits
LNL Retirement provides employee benefits & insurance services to small and mid-sized employers. We work with a variety of partners with the expert knowledge, unmatched personal service and proactive planning to always do what’s right for our clients and their employees.
- Health Plan Design & Renewals
- Pension & Executive Benefits Planning
- Voluntary Benefits
- Wellness Planning
- Health care reform & Compliance
- Education & Enrollment Planning
- Benefits Administration
To provide the most value, we believe it's important to have a clear understanding of your current situation, including:
- Corporate Culture
- Short-and-long-term Goals
- Benefit Budget Projections
- Growth Forecast
- Employee Benefits Satisfaction
This serves as the foundation for setting plan design goals, identifying areas of potential cost savings, considering value-added programs and maximizing employee satisfaction. Throughout the process, we work with you as an extension of your HR team to make informed plan design decisions.
What we do...
Plan Design & Renewals
Effective plan design is key to providing high-quality, cost-effective healthcare to your employees & their families. We can help growing companies make informed decisions about their plans.
- Renewal Negotiations
- Benchmarking data showing Comparative Contributions, Plan Designs & Costs
- Plan Design & Redesign Analysis
- Cost Containment Strategies
- Choosing Benefits that will help attract & retain quality employees
wellness planning
Building a custom employee wellness program to match the goals and needs of each workforce is key to healthier and happier employees.
- Health Risk Assessment
- Biometric Screening
- Incentive Programs
- Healthy Lifestyle Education
- Education & Coaching
- Standard & Customized Communication Plans
Executive Benefits Planning
Executive benefit plans can be designed exclusively for key employees, providing a solution to benefit limitation issues. They allow employers to provide rewards and incentives based on an employee-by-employee approach and maximum design flexibility.
- Deferred Compensation Arrangements
- Executive Bonus Plan
- Split-Dollar Life Insurance
- Supplemental Executive Retirement Plan
- Key Man Insurance
employee education & Enrollment
Do your employees appreciate or value the current benefits offered to them? Let us help educate and empower employees to accept more responsibility for their healthcare.
- Open Enrollment Presentations
- Benefits Guides
- Healthcare Reform Education
- Employee Surveys
- Encouraging Wellness
Voluntary Benefits
Employers can offer an array of voluntary benefits at no direct cost, helping businesses compete in the market place to attract and retain top talent.
- Vision Insurance
- Dental
- Accident
- Disability
- Life Insurance
- Critical Illness
- Long Term Care Insurance
- Hospital Indemnity
- Pet Insurance
- Identity Theft
- Personal Travel Accident
health care reform & compliance
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted years ago. We provide employers with guidance to ensure their Health & Welfare Benefit Plans are in compliance with Patient Protection and Affordable Care Act (PPACA).
- Summary of Benefits Coverage Documents
- Health Plan Eligibility
- Pay or play
- Health Benefit Coverage
- Affordability guidelines
“In the middle of difficulty lies opportunity”