EMPLOYER BENEFITS
Benefits That Work for Your Business and Your People
From major medical coverage to supplemental benefits, PEARL helps employers understand their options and build a benefits strategy that fits their workforce, budget, and business goals.
A Better Way to Approach Employee Benefits
Every business is different—and its benefits strategy should be, too.
PEARL helps employers evaluate their workforce, budget, contribution goals, and coverage needs before exploring available benefit solutions. Rather than starting with a particular product, we start by understanding what you want your benefits program to accomplish.
Understand Your Business
Your workforce, priorities, budget, and current benefits.
Explore Your Options
Compare coverage approaches that may fit your organization.
Build Your Strategy
Bring major medical and supplemental benefits together into a solution designed around your goals.
The goal isn't simply to offer benefits. It's to build a benefits strategy that works for both the business and its people.
Choose the Right Coverage Path
Employer health coverage isn't one-size-fits-all. Depending on your workforce, budget, eligibility, and business objectives, different approaches may be worth considering. PEARL helps you understand how the options differ so you can make an informed decision for your organization.
Traditional Group Health
Employer-sponsored major medical coverage where the business selects one or more health plans for eligible employees and generally contributes toward coverage.
Level-Funded Health Plans
An alternative funding arrangement that combines employer-funded claims with administrative services and stop-loss protection. It may provide eligible employers additional flexibility and greater insight into healthcare spending.
ICHRA
An Individual Coverage Health Reimbursement Arrangement allows an employer to provide a defined reimbursement amount that eligible employees can use toward qualifying individual health insurance and other eligible medical expenses.
QSEHRA
A Qualified Small Employer Health Reimbursement Arrangement allows certain eligible small employers to reimburse employees for qualifying individual health coverage and medical expenses, subject to federal requirements and annual limits.
Build Beyond Major Medical
Major medical coverage is an important foundation, but employees may face financial risks and everyday healthcare needs that extend beyond their health plan. PEARL can help employers explore supplemental benefits that complement major medical coverage and give employees additional ways to protect themselves and their families.
Dental
Help employees manage routine and unexpected dental care expenses.
Vision
Support access to routine eye care, exams, lenses, and other covered vision services.
Accident
Provide financial protection for covered injuries and accident-related expenses.
Hospital Indemnity
Help employees manage expenses associated with a covered hospital stay.
Cancer & Critical Illness
Provide additional financial support following a covered serious diagnosis.
Disability & Life Insurance
Help protect an employee's income and provide financial protection for the people who depend on them.
Supplemental Benefits Through Aflac & Other Carriers
PEARL offers access to Aflac and other supplemental insurance solutions for eligible employer groups, helping businesses build a broader benefits package designed to complement major medical coverage and address the needs of their workforce.
Support Beyond Plan Selection
More Than Choosing a Benefits Plan
Building a benefits program involves more than selecting coverage. PEARL helps employers understand the steps involved in implementing and maintaining their benefits strategy—from evaluating options and employee eligibility to enrollment support and ongoing benefit reviews.
Plan Evaluation
Compare benefit approaches based on your workforce, budget, and business objectives.
Enrollment Support
Help employees understand their available benefits and navigate the enrollment process.
Implementation Coordination
Work with employers, carriers, and applicable service partners to help move selected benefits from decision to implementation.
Ongoing Benefits Review
Review your benefits strategy as your workforce, business needs, and available coverage options change.
PEARL stays involved beyond the initial decision—helping you understand, implement, and review your employee benefits strategy over time.
Let's Talk About Your Benefits Strategy
