Benefit Innovators

Health Benefits and

Actuarial Consulting







Why Choose Benefit


-Industry Expertise

-Service Oriented










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Benefit Innovators is a full service actuarial and compliance consulting firm.  Below is a list of services we specialize in.  For a distributable pdf brochure of our actuarial services please click here or for the brochure of our compliance services please click here. 



Actuarial Services

  • Benefit Design and Cost Modeling
  • Short and Long Term Budgeting and Cost Projections
  • Rate and Renewal Reviews
  • Funding Analysis, Self Funded Feasibility Studies and Stop Loss Strategy Development
  • Cost modeling and Design Assistance for HRAs, HSAs and MERPs
  • COBRA Rate Development for Self Funded and Partially Self Funded Plans
  • Contribution Strategy Consulting and Modeling
  • Pay or Play Healthcare Reform Modeling Under the PPACA
  • Actuarial Value Calculations
  • IBNR Reserve Calculations
  • Medicare Part D Attestations
  • Modeling for any other benefit decisions a company needs to make




Compliance Services

  • Comprehensive Compliance Reviews
  • HIPAA Privacy Package
  • Plan Document Review and Preparation, including Wrap, HRA, POP, FSA and SPD documents 
  • Summary of Benefits and Coverage (SBC) Preparation
  • Leave of Absence Policies
  • Wellness Plan Documentation
  • Non-Discrimination Testing
  • 5500 Filings
  • Education and Transportation Plan Documents
  • Stop Loss Policy Review
  • Development or Review of Administration and Consulting Service Contracts
  • Review of Plan Design and Contributions to Determine Grandfather Status
  • Compliance Updates and Newsletters
  • Answering Compliance Questions
  • All Other Benefit Compliance Needs