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| Employee Benefits Our actuarial team provides services to buyers, providers, sponsors and administrators of group insurance programs across the private and public sectors, whether true insurance programs or self-funded plans. ARM’s post-retirement actuarial team has experience in medical and death benefit plans such as retiree medical, dental, life insurance sand other non-pension benefit plans. |
Employee / Retiree Benefit Services
| Non-Pension Services | |||
| • | Actuarial Plan Projections and Forecasts |
• | Cost Containment Program (identification and evaluation) |
| • | Actuarial Funding Valuations | • | Medicare Part D Assistance and Analysis |
| • | Pricing of Group Medical, Dental, Disability, Life, Drug Plans |
• | Self-Insurance Feasibility Studies |
| • | Strategic Planning and Management Analysis | • | Plan Designs and Funding Strategies |
| • | Alternative Risk Analysis (including captive and self-insurance) |
• | Evaluation of Consumer-Driven Health Options |
| • | Valuations and Disclosures (FASB 87, 88, 106, 112, 132, 158) |
• | Government Plan Valuations (GASB 25, 27, 43, 45) |
| • | Plan Design, Evaluation and Re-Design |
• | Opinions and Recommendations on Assumptions |
| • | Claims Analysis | ||
| Pension Services | |||
A sample of some Employee Benefit assignments:
| • | Valued, on an ROI basis, all existing employee and retiree health management | • | Provided guidance and implementation strategies in new program designs |
| • | Assisted with risk/reward analysis for alternative plans | • | Developed innovated and value-based benefit designs |
| • | Consulted on new or existing disease management programs using predictive modeling | • | Quantified returns from health promotion and disease management initiatives |
| • | Developed some employer/provider partnerships to lower costs |
• | Provided financial risk guidance with onsite health care initiatives |
| • | Prepared funding analyses and optimization initiatives to current structures |
• | Consulted on new self insurance and captive alternatives |
| • | Assisted an ARM network member with various PBM drug cost audits and reviews |