Trusted Complete Insurance Services Guidance

Franklin Benefits Group provides employee benefits consulting, group health insurance, voluntary benefits, life, dental, disability, Medicare guidance, and HR and compliance resources. Employers can receive help with plan design, funding comparisons, market analysis, renewals, employee communication, and administration. Individuals, families, and seniors can also receive guidance when comparing health insurance and Medicare-related coverage options.

An employee benefits broker helps evaluate your current plans, compare carrier options, review contribution strategies, and identify funding approaches that fit your workforce and budget. Franklin Benefits Group also supports renewal management, employee communications, claims questions, and compliance resources. This gives employers a more informed benefits strategy while reducing the administrative burden placed on internal HR teams.

Yes. Employers can generally appoint Franklin Benefits Group as Broker of Record during the plan year without waiting for renewal or changing their existing plans immediately. This allows the team to perform an in-depth market analysis, obtain competitive quotes, and review plan strategy. The process is designed to give employers access to guidance and carrier-market insight when they need it.

With a fully insured plan, the employer pays a premium and the carrier assumes claims risk. In a self-funded plan, the employer assumes more direct responsibility for healthcare claims, often using stop-loss insurance to limit large-claim exposure. Level-funded arrangements can offer a middle ground, with predictable monthly costs and possible surplus opportunities, subject to plan terms and claims performance.

Voluntary benefits can include accident, cancer, hospital indemnity, life, disability, vision, pet, and GAP coverage, along with certain non-insurance discount programs. These offerings supplement core benefits and are commonly paid by employees through payroll deductions. Group access may provide lower rates, and many policies are portable, allowing employees to keep coverage if they leave their employer.

Medicare guidance begins with your healthcare priorities, including doctors, prescriptions, travel plans, preferred pharmacies, and budget. Franklin Benefits Group helps compare Original Medicare, Medicare Supplement plans, Medicare Advantage plans, and Part D prescription coverage. The review considers provider networks, formularies, prior authorization requirements, premiums, copays, and annual out-of-pocket exposure rather than focusing on premium alone.

Yes. Franklin Benefits Group offers HR solutions and tools that support online benefits enrollment, onboarding, training, reporting, and document workflows. Available compliance resources can help with ACA reporting, COBRA administration, ERISA plan documents, Section 125 documents, 5500 reporting, FMLA information, and workplace poster requirements. Specific responsibilities and deadlines should always be reviewed for your organization’s circumstances.

Employee benefits consulting can be valuable for small and mid-size employers seeking to attract talent, manage health-plan costs, improve employee understanding, or reduce benefits administration. It is especially useful when a business is approaching renewal, considering a funding change, expanding voluntary benefits, or managing employees across different locations. Franklin Benefits Group serves organizations across Pennsylvania and multistate workforces.