At THESCO Benefits, LLC, we understand that choosing your company's benefit plan puts you in a visible and sensitive position of responsibility. If you make the wrong decision, everyone knows - from trainee to top executive. And, you'll hear the complaints. But, if you make the right decision, you're a hero.

At THESCO, we want to share that responsibility because we're confident that choosing us as the broker or consultant for your employee benefits program will put you on a smooth road with sound footing.

Our meticulous, detail-oriented route is not so easy for us - it takes more time, more resources, more dedication.

But, it is always better for you.

Our product portfolio consists of brokerage, consulting, and administrative services.

Brokerage Services - We serve as the broker for clients who wish to purchase group products from an insurance company or third party administrator. The group products sold by THESCO include:

Group Medical Insurance, including vision care and prescription drug coverage

Group Dental Insurance

Group Life Insurance

Group Accidental Death and Dismemberment (AD&D) Insurance, as well as other forms of accident insurance

Group Disability Insurance, including both short term (statutory and non-statutory) and long term disability coverage

Group Long Term Care coverage

Retirement programs, including 401(k) plans

Other work-site purchased coverages, such as voluntary life and disability benefits

Consulting Services - In this capacity, we serve as a consultant for clients wishing to compensate us directly for our services in lieu of a commission arrangement. The consulting services provided are very similar to those provided when we act as broker, and may be performed on either a one-time or continuous basis.

Retirement Plans - Through our subsidiary, Thesco Retirement Planning Services, LLC (TRPS), we have the expertise to successfully design, manage and administer your qualified retirement programs, including a 401(k). We are also adept at designing non-qualified, supplemental, retirement benefit programs for key executives. THESCO's 401(k) specialists work with a broad array of pension specialists to partner you with the one that best suits your needs.

Outsourcing - Thesco Benefits, LLC is committed to providing its clients with the highest level of outsourcing solutions and service. In a partnership with Benergy Outsourcing Strategies (Benergy OS) we have the capacity to offer our clients:

Flexible Spending Administration

COBRA Administration

Billing Administration

Travel/Parking Accounts

Employee Debit Cards

Corporate Property & Casualty Insurance - With our affiliates, we design and market risk management and insurance programs to provide the broadest possible coverages at the most competitive premiums.

Human Resources Technology - OnLine Benefits, Inc. provides an Internet-based employee benefits tool that offers employees and their dependents a brand new way of viewing their employee benefit plan information. This product can offer employers a customized benefit office that provides employees with a wealth of benefit information that normally would be provided through a Human Resources department. Through our relationship with OnLine Benefits, we are able to offer this to our clients.

Dedicated Account Management

Once the right route has been established, we won't leave you standing in the middle of the road.

During the implementation process, as well as on an ongoing basis, THESCO fully supports Human Resources by helping to educate your employees. For example, we create intra-company memos and conduct employee meetings to communicate changes to your benefit plans. This maximizes employee appreciation and understanding of your program.

Our expert staff is always pro-active on benefit issues. This includes regular updates about carrier developments and statutory changes affecting you and your employees. We also provide support regarding billing questions and major claim discrepancies with the carriers.

Our Account Management team is dedicated to meeting the healthcare purchasing, servicing and administration needs of our clients in a responsible and responsive manner. The strength of our Account Management team is our commitment to offer the highest level of service possible to our customers.

To accomplish this, we:

maintain a proactive service organization
guarantee that the needs of the client are recognized and dealt with in a timely and appropriate manner
provide professional, knowledgeable service to clients
develop and maintain solid, positive relationships with the insurance carriers
increase our customer's knowledge of products, policies and procedures

Our ongoing service is yet another way that THESCO Benefits, LLC makes sure you always have our dependable, steady hand to guide you along the better route.