LEGACY CAPITAL GROUP: Wealth Management

Our Process

1.  Plan Review
This is the first step in the design and development process. We take a detailed look at your entire benefits program and can provide comparison data from similar industries along with regional and national surveys. Issues such as marketplace trends, new product offerings and strategies, and recent legislation are discussed.

As your business partner, our goal is to help maximize your benefit offerings based on the composition of your workforce and the financial resources of your company. We can accomplish these goals by several means including our initial fact-finding review, custom employee benefit benchmarking, a market-specific analysis of your program, and even our web-based employee benefits survey to gauge employee perception and understanding.

2.  Establish Company Objectives
The Three "R's" - The primary objective of most companies in offering employee benefits is to Recruit, Reward and Retain quality employees."  Identifying your company's objectives and designing a plan to meet them is LCG's core strategy. We will work with your executive staff and human resources department to develop a program that meets the specific needs of your organization. Utilizing the strength and leverage of our relationship with NFP, we are able to deliver best-of-class products and resources at the lowest possible cost.

3.  Implementation
Legacy Capital Group is able to offer each client a dedicated Account Manager and team of specialists to handle all aspects of benefit implementation for your company.  From state-of-the-art visual employee enrollment presentations to educating your human resources department on carrier-specific benefit administration, our firm is there to assist you in every step of this process. Serving as an adjunct to your human resources department, we are able to alleviate much of the burden that comes with implementing and servicing new benefit programs so that your HR staff can focus on what they do best – managing human capital.

4.  Employee Communication
From enrollment services to payroll stuffers to providing articles for company newsletters, our firm handles all aspects of benefits communication, ongoing plan updates, provider network changes, and enrollment information to employees.

• Plan reviews at 6 and 12 months for all clients and quarterly reviews for self-funded and large fully-insured customers to make sure our proposed plans are meeting their objectives.
• A bi-monthly benefits e-newsletter to keep you informed on the latest news, market trends, products and legislation affecting employee benefits programs across the nation.
• At renewal we will provide a complete report that will benchmark your benefit programs against regional and industry indicators in such areas as; average deductibles, physician copays, pharmacy copays, premium increases and out-of-pocket costs, just to name a few. We can even compare your program to specific competitors/ industry peers in your area to insure you are offering a competitive benefits package that will attract and retain quality employees.
• Each LCG client is assigned a dedicated Account Manager backed by an experienced staff to handle complex enrollment, claims, and billing issues. Our relationships are built on service excellence and commitment to providing expertise in benefits planning.

We offer state-of-the-art visual enrollment presentations to enhance employee understanding and retention of the benefits programs at each renewal. In addition, our firm can provide your company with a customized, internet-based benefit communication website. This tool can improve your employees’ access, understanding, perception, and appreciation of the benefit plan you offer. The benefits website WILL:

• Provide employees and their families 24/7 access to detailed benefit information, forms and company news.
• Provide access to important forms, company documents, and carrier links that employees need.
• Communicate important
• Communicate important company news and events to all employees – Think of it as your own intranet site (or can be linked to your current intranet site).
• Deliver a clear and consistent message to all employees
• Boost your HR department’s productivity by providing a single source for employee resources and reduce repetitive questions they answer each day from uninformed employees.

5.  Monitoring and Service
In addition to providing ongoing data and statistical analysis of your benefits program and client-specific strategic planning at renewal LCG also provides the following as part of our core services:

• Plan reviews at 6 and 12 months for all clients and quarterly reviews for self-funded and large fully-insured customers to make sure our proposed plans are meeting their objectives.

• A bi-monthly benefits e-newsletter to keep you informed on the latest news, market trends, products and legislation affecting employee benefits programs across the nation.

• At renewal we will provide a complete report that will benchmark your benefit programs against regional and industry indicators in such areas as; average deductibles, physician copays, pharmacy copays, premium increases and out-of-pocket costs, just to name a few. We can even compare your program to specific competitors/ industry peers in your area to insure you are offering a competitive benefits package that will attract and retain quality employees.

• Each LCG client is assigned a dedicated Account Manager backed by an experienced staff to handle complex enrollment, claims, and billing issues. Our relationships are built on service excellence and commitment to providing expertise in benefits planning.