We're Here to Help You With Change
Hover & Hessel LLC offers a full range of services. Continuing cost pressures, changes in legal requirements and new options in the insurance field can complicate decision making for you or your company. Our consultants have the expertise to keep you current and to redesign your benefit package as appropriate.
For One Person or an Entire Company
At Hover & Hessel our approach is designed to ensure that your needs are well defined, your questions are clearly answered and that your benefit plan(s) fulfill your needs. Our procedure applies to both individuals and groups, whether the need is for an individual Universal Life Insurance policy or a comprehensive Employee Benefit program for a large company. Whatever your needs, we can bring it together for you.
Goal Identification
First, we survey your goals. We ask questions about future projections and plans for your company. Specifically, we help you define your objectives by asking some fundamental questions: What are your long and short range goals? Your perception of growth? Your cost objectives? With an understanding of these answers, Hover Insurance Services reviews and restructures your overall insurance package.
Evaluating Current Plans
Hover & Hessel next works with you to review your existing plans to determine how well these plans match your objectives. We then make recommendations for changes and improvements, large or small, that will satisfy your current requirements.
Exploring Options - Answering Questions
A variety of approaches is possible for any insurance need. With your goals and current coverage in mind, Hover & Hessel initiates a review processof various options for you. We collect data and rates from several insurance companies, evaluate the different plan designs and do a cost benefit analysis for you to help you understand the alternatives so that you can make an informed decision to the benefit of yourself or your company.
Optimizing The Plan Design
Most insurance plans have a set of fundamental premises in common. Taking these fundamental premises, Hover & Hessel fine-tunes the program to your unique needs. Your profession or the nature of your business, your resources and the pros and cons of various options or riders are all taken into account. The result is a program that is designed exclusively for you.
Implementing The Plan
Working with your deadlines, Hover & Hessel aids you or your administrative staff in implementing plan changes or new coverage. We are available for board and staff meetings, administrative reviews and the subsequent enrollment process. All underwriting is monitored through our office so that the transition period runs smoothly and efficiently. Our goal is to provide a quick, clear plan installation with as little disruption as possible to you and your business.
Communicating the Plan
Hover & Hessel handles all aspects of informing our clients about their new coverage. For groups, our firm conducts employee meetings. Our aim is to provide benefit summaries that are clear and understandable. We are available as consultants to answer any questions or to provide clarification of complex issues. Procedures for utilizing the plan are outlined clearly; necessary supplies, contracts and identification are made available to everyone as soon as possible. Our consultants are easily accessible for personalized communications.
Keeping Current On Legal And Regulatory Requirements
Seminars, research and special reports are provided on a regular basis for our clients. Our purpose is to keep you abreast of the latest information concerning legal and regulatory provisions pertinent to the Employee Benefit field. Our resources include:
International Foundation For Employee Benefits
Johnson & Dugan Insurance Compliance Solutions
Employee Benefits Institute of America (EBIA)
HR-BLR
California Healthline
Keeping The Program On Course
The final step in the Hover & Hessel approach is to service your account after implementation of the new plan. Our service with you means that we review your plan on a pre-arranged set schedule. We modify or expand your program as changes occur and help solve any administrative or claim problems that arise. Above all, client service means a personal relationship between you and us, your consultants. The maintenance of this relationship is our most important objective.
Members Look To Their Associations For Valuable Services
Members join Associations for a variety of reasons including tapping into the buying power created by aggregating individuals and groups. The future is brighter than ever for those associations recognizing new ways they can provide benefits to members, educate them to their value, with no sales pressure. Members count on their associatiions to anticipate their needs, negotiate the best deals from the strongest vendors so they don't have to.
At Hover & Hessel LLC we have the Association experience necessary to help:
Re-vitalize existing programs from a structural and educational basis increasing membership value and enrollment
Bring new ideas and benefit options tailored to membership needs
Provide marketing expertise in terms of effective use of Social Networking and In-bound marketing techniques.
Employee Benefits for California's CPAs, "Benefits for CPAs By CPAs"- CalCPA Health
Hover & Hessel LLC is proud to work with CalCPA members in finding the best employee benefit solutions for their firms. We are the exclusive distributor for the CalCPA Health group life and long-term disability coverage offered though the Lincoln Financial Group.
We are pleased to help members and their employees with the full spectrum of services offered by CalCPA Health including:
Medical, Dental & Vision
Life insurance and Long-term Disability Coverage
CalCPA Health has leveraged the power of 38,000 member of the CalCPA to offer excellent plans at the most competitive rates in the market.
CalCPA Members - Term Life Insurance Quotes From Major Insurance Companies
Looking for a new term life insurance policy, replacing an existing policy or an upgrade to a more highly financially rated insurance carrier?
Some key questions to ask about your term life coverage:
What are my conversion options if I become uninsurable years down the line? Do I have to convert before a certain age?
Am I better off with Annual Renewal Term life insurance or Level Premium (10, 20 or 30 years) policies?
Is my beneficiary arrangement up to date?
Have I efficiently integrated my life insurance policies into my estate plan?
What is the Comdex financial ranking of my existing life insurance company? (90+ is recommended)
The CalCPA makes it easy with a no sales pressure quotation service. Term life insurance comes in many policy forms, our services provides quotations for:
10 Year Level Premium
20 Year Level Premium
30 Year Level Premium
Annually Increasing Premium
Please login to your membership account at the CalCPA website and fill out the short life insurance questionnaire, we will email your bids quickly. If you are interested, a highly qualified agent will help you submit an application to the carrier of your choice.
CalCPA term life insurance coverage is available from these highly rated carriers:
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Think HR - Your HR PowerHouse Resource
Click here for Think HR access
About Our Online HR Library
We provide our clients with a new, award-winning online library that delivers comprehensive, easy-to-navigate human resources and benefits news, content, tools and forms to companies nationwide.
Our online HR library also features dynamic interactive HR tools such as a job description builder and a salary benchmarking tool. You’ll also find easy, step-by-step guidance on how to comply with major laws including Health Care reform, COBRA and FMLA as well as key HR functions such as hiring and terminating employees. Whether you have five employees or 500 -- our comprehensive, easy-to-use site makes it easy to stay compliant.
Online HR Library Features:
Interactive compliance guides that provide step-by-step direction on how to properly conduct performance reviews, interview, hire and terminate employees
A Benefits Compliance Calendar
Step-by-step interactive guide for implementing COBRA and FMLA
Fast, efficient online HR tools for developing job descriptions and salary benchmarking
Over 700 downloadable forms, posters and model notices
Federal and state employment law information
Monthly HR and benefits newsletter
Blue Shield of California Individual Health Insurance Quotations & Enrollment
Please use this link for quotations and enrollment
Anthem Blue Cross Individual Health Insurance Quotations & Enrollment
California Medicare Supplemental Coverage, Quotes & Enrollment
Medicare Supplemental Carriers/Quotes
Medical Insurance For Small Groups (2-50 Employees)
Small Group Medical Quotations
Term Life Insurance Quotations With Top Carriers
Fast Quotations And Application Process