Employee Benefits

If you are working with the Government and paying increased wages to meet wage requirements you are operating at a competitive disadvantage to many of your competitors and costing your firm a substantial amount of unnecessary expenses. CMR Risk & Insurance Services, Inc. works with several limited access trust programs specifically designed to meet the hour banking requirements of fringe benefit programs. These programs can be placed in conjunction with other group benefits and CMR will provide full reporting to comply with all requirements.

CMR helps empower forward-thinking employers to transform their work environments to promote a culture of health and positive choices; the result: healthier, more productive employees and lower health care cost. No matter the size of your company, CMR will tailor a wellness program to fit the unique needs of your employee base.

With the power of data, employers of all sizes can now understand their employee’s health risk factors and effectively design programs and plan options to drive down the cost of health care. CMR partners with the leading Stop Loss insurance companies to help educate employers on the benefits of a self-funded plan. Employers take advantage of the fact that 50-70% of the members in any size group do not use the plan or use it so little that it is of no significance. This ensures that employers will no longer be subsidizing other groups and base your premiums off of the overall health and utilization of YOUR members.