FAQ’s

Questions? Look Here.

Cannot find the answer to your question? Call us at (877) 877-7439 or email Information@Stepping-Stones-Unlimited.com!

Do you have experience with Insurance Companies and products to assist with recommendations?

Yes, We have a long history in the Employee Benefits marketplace, working with group and individual worksite product lines. Seasoned relationships with leading insurance carriers keep us abreast of changes in products and updates within the marketplace. This allows us to keep you on the cutting edge as the industry offerings change.

We have multiple carriers in place right now and want to streamline our benefits. Are you able to help?

Yes. A thorough analysis of existing benefits will identify any duplication of benefits from one product to the next, determine if any of the benefits have become obsolete with how the market has changed and a pricing analysis would show if the prices are strong or need to be adjusted. A line-by-line analysis will provide most all of the details you need to confirm you are compliant with new or pending regulations and the benefits you are offering and providing to employees are not obsolete or over priced.

With multiple carriers and multiple product lines, we are receiving multiple bills on a monthly basis. Can you help simplify this?

Yes. There are several options to combat this issue. When accounts payable, HR and payroll are spending several hours a week each trying to reconcile multiple bills, with payroll deductions, PTO’s, terminations, etc. it becomes expensive. We have many options for you to choose from to reduce or completely eliminate this tedious process.

Do your enrollment services cover multiples states?

Yes. We are able to provide a fully coordinated enrollment across the country.

Is there a size limit to the groups you are able to enroll?

Because our services are comprehensive from start to finish, most cases are not too big or too small. Our smallest client has 25 employees and our largest client was well over 25,000.

Do you provide group meetings?

Yes. Group meetings are always an option as needed, when requested and whenever they are outlined in the enrollment plan.

Do you provide enrollment services for Core Benefits?

Yes. Our benefit counselors are well trained on core benefits, as well as the industry standards, so that they are able to answer questions completely and thoroughly.

Do you provide enrollment services for Executive Carve-outs?

Yes. Our benefit counselors are well trained in management level benefits, with the ability to discuss confidentially with executives and C-level in addition to laying out retirement plan options, golden parachutes and golden handcuffs as needed.

What platform do you use for your enrollment services?

Our services are available on any industry standard platform, including proprietary benefit admin programs, payroll company platforms and Insurance company platforms. If you do not currently utilize or have access, we can provide one.

How much lead time do you need?

Every group is different and their needs vary. Our desire is to provide the best service that ensures the entire process from start to finish goes smoothly. An ideal situation gives a minimum of three – six month lead time for the enrollment. The enrollment should be finished a minimum of four weeks before the effective date.

We also understand that it is not always a perfect world and time gets away from us all. We are able to do some amazing things in a short window of time and will work with you. If you are in a crunch, please give us a call and lets make it a success.

Can you facilitate a multi-lingual enrollment?

Yes. We have experience across the country in a variety of environments. This has required Spanish, Punjab, Hindi, Vietnamese, Portuguese, Japanese, Chinese/Mandarin, Thai, Russian, Ukrainian and Laos. What languages do you need?

Are your benefit counselors paid on a commission split? Are they incentivized to hard sell?

All of our benefit counselors are on staff/payroll or on contract for time worked. They receive their full amount of pay regardless of what is sold or not sold. Some scenarios have provided an incentive for positive feedback from management.

Our model for enrolling employee benefits is based on education and information so that employees can make an informed decision based on their financial needs and abilities.