Good design means more efficient affordable benefits:
Many organisations that have become Fulcrum customers had ‘outmoded’ plan designs when we first met them. We can help you to design better insurance solutions based on what you actually need, what’s most effective, and the best of what’s now available. We do this in a clear jargon-free way that empowers you to make informed decisions.
For example, the price of income protection insurance can alter significantly, depending on how you define incapacity; how long you want to support someone; and of course the financial value of that support – yet many employers are operating generic plans and haven’t had the alternatives explained or tested.
Similar questions need to be considered when designing a medical insurance plan. Which hospitals do you actually need access to? How much out-patient cover is reasonable? Should routine dentistry, prescription glasses and health screens be included?
The design of your benefits package won’t change the number of accidents and health problems that your employees suffer, but it will determine how much non-State support they have access to – and what that support will cost you.
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Whereas previous broker services had disappointed, Fulcrum has proved to be a high quality service delivering attention to detail and information in plain English. They helped us truly understand the options, with all the pros and cons – they didn’t tell us what to do; simply gave us the tools to make an informed choice. They have been very proactive in their approach to getting us the best benefits for our staff, and ultimately thousands of pounds of cost savings. |
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Brendan Coyne, HR Director, Sybase |
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