Benefits Consulting

Through a strategic alliance with CUNDY, Inc. of Ft. Lauderdale, FL, Capital Wealth Advisors now provides employee benefits consulting specializing in a myriad of health and welfare programs.

Within the scope of services provided by this alliance, we have a team that focuses on mergers and acquisitions, due diligence, integration, and implementation relative to employer sponsored health and welfare programs.  Over the past four years, Cundy has completed approximately 1,500 of these projects.  In addition, we have worked to develop more efficient benefits solutions with numerous Fortune 100 companies and continue to be capable of benefits consulting outside of the United States. 

Our employee benefits team consists of senior level professionals that have owned and managed some of the most successful HMO, PPO, and managed care organizations in the United States.  This obviously gives the Capital Wealth Advisors-Cundy alliance and Smith Inc. an unparalleled advantage to know what opportunities exist for expense reduction, network efficiency, and overall plan stability.  In addition, because of our relationship with the carriers and the magnitude of our block of business, it allows us to develop rates not normally available.

The process typically begins with a Letter of Authorization that allows us to obtain information about your existing program directly from the carriers and providers with no disruption to your Human Resources and Employee Benefits staff.  Once we receive the information, we will perform an in-depth analysis of your current benefit plan and meet with your staff to discuss our findings, including areas of inefficiency and regions for potential cost cutting. 

We’ve always succeeded in securing significant savings for our clients.

We offer this analysis and audit approach, like our insurance, estate planning, and portfolio audits, at no cost, creating a win-win situation for our clients.  Capital Wealth Advisors and Cundy are committed to providing the highest level of service to our customers.

Areas of specialization include: 

Health and Welfare Plans

• Mental
• Dental
• Vision
• Prescription Drugs
• Wellness Initiatives
• Group Life Insurance
• Basic, Supplemental, AD&D and Dependent Life
• Personal Accident (Voluntary AD&D)
• Business Travel Accident
• Short Term Disability
• Long Term Disability
• Long Term Care
• Section 125 Plan Administration
• Employee Assistance Plans
• COBRA Administration / HIPPA
• FSA, HSA, & HRA
• FLMA
• Due Diligence, Mergers & Acquisitions
    

Qualified and Non-Qualified Plans

• Pension
• Profit Sharing
• 401(k) Retirement Plans
• Supplemental Executive Retirement Plans (SERP)
• COLI & BOLI
    

Executive Benefits

• Officers/Directors Life Insurance
• Executive Long Term Disability
• Split Dollar Plans
• Bonus Plans
• Group Term Carve-Out
• Deferred Compensation Plans
• Key Person Insurance
    

Benefit Communications

Communication and enrollment are critical components of a successful employee benefit program. Employers in today's environment face many challenges in offering and communicating employee benefits programs which enhance business performance without increasing benefits costs.

Customized Benefit Communication Materials:

• Pre-Enrollment Communications (Announcements Letters, Posters, Plan Highlights Info, etc.)
• Customized Benefit Booklets (reflecting Medical, Dental, Life, Disability and Voluntary plan information)
• Post-Enrollment Benefit Statements (showing employee benefit plan elections)
    

Personalized Enrollment Services:

• Team of Professional, Licensed Benefit Counselors
• Individual Meeting with each Employee
• Enrollment of Benefits Using Laptop Technology
• Electronic Enrollment Data for Employer's Insurance Carriers
    

Voluntary Benefit Product Options:

• Whole/Universal/Supplemental Term Life Insurance
• Accident Insurance
• Specified Critical Illness Insurance
• Cancer Assistance Insurance
• Hospital Indemnity/Medical Bridge
• Mini-Medical Plan (for part-time employees)