Digital Benefit Advisors is comprised of the most knowledgeable, senior-level, local market advisors in the business. They are selected to work with us based on their deep industry experience, analytical acumen, passion and unrivaled commitment. Partnership with our advisors offers our clients increased confidence and control of their long-term benefits and risk management strategies.

While our technology delivers significant advantages, it's our people who provide the personal, responsive service that our clients appreciate. From your initial call, to strategic planning throughout the year, to handholding during renewals, you speak with knowledgeable professionals dedicated to your business. These experts guide you through each step of the process.

Long after the sale, our representatives are available to you - and to your employees - every single business day. This is a huge distinction from traditional brokers and a terrific time-saver for you. Think about it. If your employees don't understand their coverage or are having difficulty with a claim, you don't have to troubleshoot - we do it for you. Most agencies simply don't have the capacity to serve businesses routinely this way; Digital has an entire team devoted to these endeavors. You can focus on running your business; we take care of your employee benefits needs.

Take a look at the vast array of support services Digital provides - at no extra cost to you:

• Customer Advocate Center: Staffed with experts to answer employees' questions about claims, plan eligibility, provider networks, plan design features and pharmacy issues.
• Benefits Resource Center: Employer resource available 24/7 with state-specific benefits information, Ask the Expert support desk, online library, training tools and materials such as employee handbook templates and newsletters.
• Wellness Management Center: Help control costs and guide employees to become better health care consumers by engaging in healthier lifestyles. Key features include a health risk assessment, interactive health education lessons, health logs and trackers, wellness calculators and self-care resources.
• Health Care Reform Resources: Valuable information and resources to help you stay abreast of regulations that will impact your business. We're committed to bringing you the tools and data to help navigate this complex, evolving challenge.
• Proactive Customer Support: We keep on top of your employee benefits needs throughout the year - not just during the rush of renewals. Expect a mid-year strategy checkup with a current program analysis, portfolio and compliance reviews, a product gap analysis, market overview and service plan review.
• Creative Solutions: Insurance coverage isn't the only way to protect your employees. Many savy businesses offer additional solutions that provide significant tax advantages to the company, as well as to their workforce. Digital's experts can counsel you about Health Savings Accounts, Flexible Spending Accounts, Dependent Care Accounts, Health Reimbursement Arrangements, Premium Only Plans, Transit Plans and other options.
• Compliance Assistance: Staying on top of IRS and ERISA regulations is an enormous task for any employer. Digital manages the process and files proper documentation, limiting the employer's liability related to benefits programs. Expert assistance includes:
• Employee benefits compliance review for HIPAA and document compliance
• Plan document filing and discrimination testing
• COBRA and state continuation assistance
• Health care reform compliance