Your Benefits Partner

Your trusted partner in ancillary and emerging benefits.

Specializing in emerging strategies and ancillary benefits

At Modern Benefits Solutions, we specialize in helping employers navigate the evolving benefits landscape by leveraging emerging strategies and high-value ancillary benefits. As employee expectations grow and healthcare costs continue to rise, traditional benefit approaches often fall short. Our role is to help businesses move beyond outdated models and implement smarter, more flexible solutions.

Emerging benefits strategies focus on optimizing how benefits are structured, funded, and delivered. We work with employers to identify opportunities that reduce unnecessary spend while improving the overall value of their benefits offerings. This includes evaluating plan design options, introducing innovative funding approaches, and aligning benefits with the unique needs of each workforce.

In addition to medical strategies, ancillary benefits play a critical role in a well-rounded benefits package. Products such as dental, vision, life, disability, accident, and critical illness coverage provide employees with meaningful protection while allowing employers to enhance their offerings without significantly increasing costs. When implemented strategically, these benefits can improve employee satisfaction, retention, and financial security.

Our benefits brokerage approach is highly personalized. We don’t believe in one-size-fits-all solutions. Instead, we take the time to understand your business goals, budget, and employee demographics to build a benefits strategy that delivers maximum value. By combining emerging strategies with thoughtfully selected ancillary benefits, we help employers create competitive, cost-effective benefits programs that support both their people and their bottom line.

Employer Advantages

When employers think of voluntary benefits they usually think of the products that could be made available to their employees and while this has certainly helped with morale, retention and sometimes improvements in other areas (having a disability plan for example has been shown to reduce workman's comp claims) most employers are unaware of some of the direct employer benefits of offering voluntary insurance.

Benefits Education Many insurance companies provide staff that not only explain the voluntary benefits but can also help enroll the core benefits like medical. This is especially helpful when a group is introducing a new product like an HSA. This can also be valuable when HR resources are spread thin because of the size of the group or multiple locations. This kind of education can be done onsite or over the phone.
HRIS or BenAdmin Systems Many organizations would like to be more streamlined and electronic but the cost of moving from paper to something more sophisticated can make the change too expensive. By allowing an insurance company to offer voluntary benefits an organization can have some of those expenses reduced.
Training on Benefits Enrollment Platform A big hurdle for employers moving to an electronic platform is getting the employees to embrace and learn the new system. The same benefits consultants that help with product education are also trained in myriad different electronic enrollment systems and are able to help employees navigate the new technology.

Employee Advantages

Many employers see voluntary benefits products as homogenous with the offerings all being pretty much the same. The truth is there can be large variations with respect to plan design within each including product, pricing, portability and myriad other components. These differences are highlighted further when you look at individual vs group products. Some advantages your employees could be missing out on.

Guaranteed Issue If you are an employer with any number of employees chances are you have folks who are cancer survivors, diabetics, have heart conditions or any number of things that would make them undesirable to an insurance company by themselves. Many insurance companies will allow these individuals that may not be able to get affordable coverage on their own to enroll in products like life, disability, critical illness and others through their work for the same price as everyone in their age group. This can certainly help with retention!
Pricing The cost of like products can vary greatly depending on industry, group size and age of the group. For example there could be as much as a 50% savings going from one insurance company to another with regard to voluntary disability! This is why it is crucial to have a broker who knows the industry and can compare the different insurance companies and their products.
Payroll Deduction/Pre-Taxing Once an individual signs up for coverage there is no hassle of writing checks every month. The premiums are simply deducted from the paycheck. Many products are eligible for pre-taxing as well saving the employee money!