Experts in Making HR your Competitive Edge

About CORE360 Program

CORE360 Signature Services

CORE360 clients benefit from access to critical services that support your core operations and needs, thus avoiding the need to assemble and manage them through multiple vendors. By consolidating, you reduce support costs while improving services, benefits, and capabilities.

The CORE360 Advantage

Your business and employees face many risks encroaching from all directions – from competitors and the ever-changing business landscape, to regulatory compliance, resource management, and benefits. CORE360 works with you to strategically measure and mitigate these risks. Streamline and increase your capability to reduce risk while decreasing costs and improving your benefits and services. CORE360 was designed to deliver on this mission. Finance and HR professionals are challenged today with following complex and constantly changing state and federal employment laws. Add to that managing taxes and reporting regulations, compliance rules, and fending off every conceivable operational risk that surfaces. The day-to-day reality is incredibly demanding when navigating the numerous pitfalls of operating your business. CORE360 Signature Services includes a full suite of services to help you maintain control of all aspects of your business, and to streamline processes and investments to support both you and your employees.

 

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Health Benefits Program

CORE BENEFITS

CORE360 takes a hands-on approach when it comes to your core benefits. We use strategic planning to improve your employee retention and bring savings to your bottom line.

  • Major medical – The right medical benefits not only make your business more competitive in the industry, but also help attract and retain quality employees.
  • Dental – Employees with dental benefits are more than twice as likely to visit their dentists. Studies have shown that there is a direct connection between oral health and overall health.
  • Vision – About 50% of Americans experience eye or vision problems. Providing vision insurance saves your employees money on their annual vision expenditures.
  • Life – 86% of the population highly recommends
    obtaining life insurance. As an employer, you can provide your employees access to affordable life insurance.
  • Disability – Employees who have short-term or
    long-term disability insurance will have access to income protection sooner and this will fill the gap in benefits for individuals who apply for SSDI.

ADDITIONAL CUSTOMIZED HEALTH INSURANCE SERVICES

CORE360 provides customized health insurance plans to meet your unique financial and health insurance goals.

Self-funded plans allow employers to customize plans to meet the specific healthcare needs of their workforce, as opposed to a “one-size-fits-all” insurance policy.

  • Limited benefit medical plans provide financial relief
    for employees who do not have access to comprehensive medical insurance.
  • CORE360 provides Cobra Administration and Section 125 documentation at no additional cost.
  • Flexible Spending Account (FSA), Health Savings Account (HSA), and Health Reimbursement Arrangement (HRA) are customizable accounts that can be used towards medical expenses.

ANCILLARY BENEFITS

Offering a supplemental benefit package can help complete your employee benefit portfolio. Give your employees peace of mind with financial help in the event of sickness or injury.

  • Deductible gap insurance covers expenses not covered by major medical. This alleviates high deductibles and out-of-pocket expenses. Deductible gap insurance can help balance rising major medical costs.
  • Cancer insurance helps your employees and their families cope financially and emotionally after being diagnosed with cancer. This is highly recommended for those with a family history of cancer.
  • Critical illness insurance assists your employees with the treatment costs of life-changing illnesses. Your employees can have peace of mind that they will be covered if a catastrophic event occurs.
  • Accident insurance helps employees pay for emergency treatment, often including treatment-related transportation and lodging.
  • Short-term disability insurance will provide cash to ease the financial stress of a covered illness or injury. This is crucial for employees who rely on having a regular paycheck to maintain their costs of living.

Wellness Program

PARTICIPATORY WELLNESS PROGRAM

CORE360 personalizes wellness and combines it with powerful technology. Employees can view their personal dashboards, while the company can see group health as a whole. While employees participate in the program, they receive the additional benefits below at the same net pay.

  • Supplemental insurance includes cancer, critical illness, accident, gap, and disability coverage.
  • Whole life insurance combines a cash value savings plan with a life insurance component.
  • Health risk assessment is included at the beginning of the program, where experts can plan your initial start to wellness.

WELLNESS PLATFORM POWERED BY HELIX

Technology simplifies everything, and this holds especially true for our wellness plan. With health data at your fingertips, you will have easy access to everything you need in one place.

  • Mobile health solution – Participants are seamlessly guided through the application experience with smart navigation, intelligent graphics, and a timeless interface.
  • Activity management – Helix technology integrates health and strategy in three primary areas: physical activity, nutrition, and sleep.
  • Biometric screenings – Educate employees on critical health information. With smartphone integration, employees can learn about their total risk and specific risk.

REWARDS INCENTIVE PROGRAM

Incentives are a great way to give your employees additional benefits as they work towards better wellness. CORE360 has partnered with Amazon to provide Amazon dollars to spend.

  • Amazon offers over 200 million products and counting.
  • This is a great universal reward – there is something for everyone on Amazon.
  • Amazon’s big brand is one that everyone knows and appreciates.

BIG DATA ANALYTICS

Big data is generating a lot of hype across all industries, and healthcare is no exception. Using state-of-the-art tools, measuring the analytics of patients’ data can save companies money by helping large healthcare companies reduce total risk.

  • Population health management – data is accessible to the company through the administrative portal.
  • Actionable reporting – CORE360 has invested in proven tools to achieve accurate reporting. This information is key to early detection and managing costs.
  • Aggregate reporting – Aggregate reports help organizations discover unidentified risks in their workforce. This data reduces costs and determines the appropriate funding strategy moving forward.

Payroll Services

World-class payroll services that can be customized to any business needs, including all types of labor forces, union, split, season, benefits integration and both customized and specialized reporting for both employees and management.

  • Complex job costing
  • Workers comp
  • Retirement plans
  • New hire processing and orientation support
  • Termination processing and unemployment claims reporting

Property & Casualty Programs

WORKERS COMPENSATION, PROPERTY, AND CASUALTY

Just as vital as it is to take care of your employees’ health and wellness, it is equally important to insure the financial assets of your company. CORE360 Signature Services offers comprehensive and custom-designed commercial insurance solutions for your enterprise. CORE360 Signature Services provides expert analysis, dedicated claims advisement, and critical knowledge for businesses of all sizes. CORE360 also provides all-inclusive Workers Compensation and Property and Casualty insurance.

WORKERS COMPENSATION PROGRAM

With CORE360 Health and Wellness programs, you are proactively maintaining your employees’ health and peace of mind. CORE360’s Workers Compensation program shows them that you are on their side when a job-related accident occurs. Workers Compensation is a specialty expertise we are proud to offer at CORE360 Signature Services. We analyze and implement the following:

  • Risk Factors – We start from the bottom up by analyzing work conditions, employee training, safety programs, and emergency procedures. We then determine which areas need to be corrected or strengthened to present a favorable risk profile to our carriers, thus lowering your Workers Compensation costs.
  • Safety Programs – CORE360 will review your safety programs and make sure they address the necessary areas to make your business a safe operating environment. If your business does not have a safety program, we will help you create one.
  • Loss Mitigation – A loss mitigation specialist
    will review which areas of your operations must
    be addressed to minimize the chances of
    accidents happening, improving your risk profile
    to Workers Compensation carriers and allowing
    you to negotiate for rates more competitively.
  • Class Code Re-Classifications – CORE360 is continuously monitoring class code re-classifications for your business. We stay ahead of the curve whenever new legislation is passed, better preparing your business for the changes that follow.
  • OSHA Compliance – We have a dedicated panel to handle all of your OSHA situations, should the need arise.
  • Best Practices Claims Management – Our in-house claims management team has over 30 years of experience. They are in continual contact with each carrier’s claims adjusters to negotiate and ensure an equitable resolution to your claims.
  • Post Claim Analysis – CORE360 Signature Services also performs post claim analysis and loss mitigation to determine the previous risk factors that led to the claim, and how they can be reduced or eliminated to decrease your future exposure.

GENERAL LIABILITY, PROPERTY, COMMERCIAL AUTO, EMPLOYMENT PRACTICES, AND DIRECTORS & OFFICERS PROGRAMS

CORE360 takes a client-centric approach when it comes to your Property and Casualty Insurance. We do not use a one-size-fits-all formula. Instead, we focus on creating a portfolio of coverages, which will protect your business from its unique exposures to risk. This portfolio is optimized to ensure you are properly covered, rather than simply overlapping coverages and causing you to pay more than necessary.

  • General Liability – Protects your business
    from bodily injury or property damage liability
    claims and litigation.
  • Commercial Property – Protect your
    significant capital expenditures from fire,
    theft, and natural disasters.
  • Commercial Auto – Whether you have one vehicle
    or an entire fleet; operate in one state or across
    state lines; CORE360 provides packages to protect
    your business from commercial auto liability and property damage claims.
  • Employment Practices Liability – With defense costs for a single case running from to $250,000 to $500,000, you cannot afford not to have a war chest of expert attorney advisors and defenders on your side.
  • Other Ancillary Lines – CORE360 Signature Services offers many types of specialty insurance your business may need such as directors and officers, fiduciary, fidelity, product liability, and more.
  • Personal Insurance – CORE360 Signature Services can even handle you and your employees’ personal insurance needs for auto, home, and life.

EXPERTISE IN NEGOTIATING THE BEST COVERAGES AND HIDDEN ENHANCEMENTS AT NO ADDITIONAL COST

CORE360 is staffed with industry veterans knowledgeable in which types of coverage you need to cover every possible entry of risk for your enterprise.

  • Expert Business Analysis – CORE360 Signature Services analyzes your business, industry, and specific risk factors and entries to determine the right levels of coverage, ensuring there is no unnecessary overlap and cost.
  • Best-in-Class Policy Enhancements – With over 50 years of successfully navigating the extremely complex commercial landscape, CORE360 Signature Services can obtain the best coverages and hidden policy enhancements that only industry insiders know to look for.

RELATIONSHIPS WITH TOP COMMERCIAL INSURANCE CARRIERS

With over 50 years of commercial insurance experience, CORE360 has deep relationships with over 50 major commercial insurance carriers.

  • Over $500,000,000 in Commercial Insurance premiums written – CORE360 Signature Services’ commercial insurance presence makes us a preferred trading partner with insurance carriers, allowing us to negotiate the most competitive rates. These savings are transferred straight to you and your bottom line.
  • Top Carriers – CORE360 Signature Services has worked extensively with top A.M. Best A+ Rated carriers. We do business the right way by protecting and advocating for our clients.

Let us help you build and maintain a competitive edge!

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