Consultant - Employee Benefits

Relation Insurance Services•Charlotte, NC

1d•$97,000 - $190,000

About The Position

The Consultant serves as the primary business contact for clients and is responsible for client satisfaction, excellent customer service, representing client needs within the organization, and delivering high-quality service. The role builds client relationships to encourage new and repeat business and is accountable for revenue and profitability for client accounts. The Consultant leads client projects, deadlines, and meetings; oversees employee communications and open enrollment; manages carrier and vendor relationships and the request-for-proposal process; analyzes health benefits, claims, utilization, and benchmarking data; and prepares reports and presentations for clients. The role also reviews plan designs, employee contribution scenarios, contracts, plan documents, and communications for accuracy and alignment with client expectations and legal requirements. The Consultant adopts innovative technology, including proprietary AI solutions, and performs other assigned duties. A Life Accident & Health License from the state of domicile must be maintained. The position requires at least seven years of account management experience in the insurance industry focused on Accident and Health coverage. A high school diploma or equivalent is required; a four-year degree is preferred. The disclosed estimated salary range is $97,000 to $190,000, with possible eligibility for a discretionary annual incentive program.

Requirements

Maintain a Life Accident & Health License from the state of domicile.
At least 7 years of account management experience in the insurance industry, focused on Accident and Health lines of coverage.
High school diploma or equivalent.
Exceptional understanding of employee benefit plan coverage, including medical, dental, life, LTD, STD, AD&D, and vision.
Exceptional knowledge of HIPAA, COBRA, Health Care Reform, and other legislation and compliance related to Group Health programs.
Exceptional knowledge of insurance markets, products, services, insurance ratings, and underwriting procedures.
Outstanding interpersonal and communication skills for maintaining effective relationships with clients, coworkers, carriers, vendors, and others.
Advanced Microsoft Office skills, primarily Excel, PowerPoint, and Word; computer literacy and ability to learn software such as online benefit enrollment programs and carrier enrollment sites.
Ability to work independently with limited daily supervision and effectively as part of a team.
Valid driver’s license, ability to travel to client sites, and reliable transportation.

Nice To Haves

Advanced professional designation, such as CEBS or CBP.
Four-year degree.
For California roles, in-depth understanding of AB1672 and small group regulations.
For California roles, knowledge of California General Agent services and ability to use General Agents effectively.
Understanding of R.A.F. (Risk Adjustment Factor) and how rates are created, maintained, and delivered for new business and renewals.

Responsibilities

Lead client teams’ projects, deadlines, and meetings using project management tools.
Ensure compliance with professional standards, including templates, client calendars, and peer review processes.
Develop employee communications strategies and oversee their execution, including management of open enrollment.
Establish carrier and vendor relationships to support client administration of eligibility, claims, billing, plan implementation, contracts, plan changes, and amendments.
Work directly with clients and manage requests for proposals with health insurance carriers and internal underwriters and account managers.
Review health benefits information and transparency documents, and maintain appropriate documentation.
Peer review RFP information, analyze and interpret results, and edit and finalize executive summary reports for clients.
Review carrier claim and utilization data, analyze trends, peer review customized reports, submit reports to clients, and respond to questions.
Create client presentations in Excel and PowerPoint summarizing data from vendors or Relation consultants.
Develop benchmarking reports comparing client plan information with other companies by industry or geography.
Gather client or vendor data and review it for completeness, accuracy, and reasonableness.
Evaluate medical, dental, and prescription drug plan designs to compare relative costs and alternative designs.
Develop employee contribution scenarios using current contribution data and projected costs for the next plan year, accounting for client cost-sharing goals.
Review external vendor contracts, summary plan documents, employee communications, and carrier SPDs for accuracy, legal compliance, and alignment with client benefits and expectations.
Develop employee communications materials such as benefit brochures, open enrollment presentations, and employee memos.
Recommend process improvements as needed.
Adopt innovative technology, including proprietary AI solutions, in the service process.
Perform other assigned projects, duties, and tasks.