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Frequently Asked Questions
What can Larry Sherwood & Associates
do for me as an employer?
We can help you develop an appropriate
program for your company - group health,
life, disability programs, pension plans
and business insurance.
There have been so many changes
in insurance recently: HMOs, PPOs,
HSAs, HRAs,
125 plans, new insurance regulations and
COBRA. There is no way I can keep up
with it.
We are constantly monitoring the market
place. When we see a new idea or product
that might help our clients, we let them
know about it. Changing trends are a
fact of life in any industry. We can
give you expert advice so you can make
the correct decision.
My employees are always asking me
questions about our plan. It's time
consuming to answer them, and I'm not
certain if I am answering them
correctly.
Instead of calling an insurance company,
we have your employees call us if they
have a question or problem with their
insurance. That's why we request an
employee meeting at the beginning of a
new plan -
to explain what is covered, what
isn't covered and to introduce
ourselves. We also explain your plan to
all new employees. We want them to feel
free to call us at any time.
Usually our insurance claims are
settled smoothly, but when there's a
problem it's a headache to get it
fixed.
When a claim problem arises, one phone
call to us saves the employee and you
time and aggravation. We resolve the
problem and notify the insured of the
results. No more endless phone calls and
run around!
What about departing employees? I'm
not sure if I'm following the laws
correctly.
We want your terminating employees to
get in touch with us so we can explain
their options
correctly. We will help them complete
any required paperwork.
It seems every year I'm in the same
position of shopping the market to make
sure I'm getting the best value for my
money.
You'll never have to do that again! We
automatically do the shopping for you
and make recommendations. We do the leg
work - you make the decisions.
I'm tired of getting rate increases
each year, but what can I do?
Did you know that rates are sometimes
negotiable? We have often been
successful in reducing or eliminating
scheduled premium
increases.
I'd like to take advantage of your
services, but I'm happy with my
insurance company and don't want to
change.
You don't have to change insurers! We
can start immediately when you give us
authorization to be your service
representative.
It all sounds great, but what is this
going to cost me?
You don't pay any more to have us
service your account. It is similar to
working with a travel agent. It doesn't
cost any more to make travel
arrangements through them, yet it is
easier and more efficient than if you
deal directly with the hotels, airlines,
car rental agencies,
etc. |
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