1. We believe that the right partners and
technology will free your employees to
focus on care and service.
simplifying Business

2. 2Beneficial Associates, Inc. 1-800-290-1240
A Message from Keith Hare:
The Virginia Health Care Association provides
leadership in the areas of continuing education for
long term care professionals; is a major contributor to
the health care debate through advocacy for member
facilities, and defines quality in extended care
services for the public.
Beneficial Associates, Inc. (BAI) has been a reliable resource to our members for over 20 years,
consistently providing innovative employee benefit solutions. With the constraints we face in our effort
to attract and retain quality staff, it is vital to be able to offer a competitive benefits program. Despite
escalating employee health insurance costs due to the Affordable Care Act, BAI has been able to
develop strategies to comply and administer Employee Benefit Plans for many of our members
throughout Virginia.
As a long time active member of our association, they are knowledgeable and in tune to our industry’s
unique challenges. BAI has developed creative services and risk management solutions to meet our
member’s needs. If you are not already a client of theirs you may want to explore what they have to
offer.
Keith Hare
President & CEO
VHCA-VCAL
ABOUT BENEFICIAL ASSOCIATES, INC. (BAI)
Beneficial Associates, Inc. was founded in 1989 and has been a leader in their industry in creating
innovative solutions in the complex world of managing Insurance Employee Benefit Programs. Today
our organization serves the needs of many types of employers providing Insurance Coverage to
thousands of employees.
BAI has the ability to customize services, saving you time and money, while providing valuable
resources. “We have found that no two customers are alike and that we need to adapt to our client’s
needs instead of them to ours.” Richard O. Helbling, BAI President/CEO.
We draw upon advancement in the use of technology to deliver the most efficient methods of benefit
communication to meet all Federal Regulations and Compliance requirements.

3. 3Beneficial Associates, Inc. 1-800-290-1240
How do we attract and retain quality employees?
 Is our Human Resources department
overwhelmed?
 Do we have internal processes in place
between HR and Payroll to
communicate information timely?
 What resources does our Management
Staff have when we have a HR
Compliance Issue?
 Are we meeting all the requirements
of the Affordable Care Act?
 What is our exposure to the $ 3,000
Penalty B in providing Affordable
Minimum Value Health Insurance
coverage?
 How are we currently Onboarding New
Employees?
 Who is making sure all required SPD’s
and SBC’S are given to employees?
 Are we collecting waivers on employees
who are not electing benefits?
 Are we prepared for a DOL audit?
 Should we be looking at Self-Insured
options?
 Are we a candidate for Self-Insured
health plans?
 What is the Risk involved in Self-
Insurance?
 How do our claims compare to National
norms?
 Are our employees inappropriately
utilizing ER, choosing brand name drugs
over generic or not getting recommended
preventative care?
 How do we implement or maximize our
Wellness Program?
Questions that keep your employees up at night:
 Can I afford the cost of insurance vs. take home pay?
 Can I afford to miss work for Doctor’s appointments for family members or myself?
 If I go to the Doctor can I afford the cost of deductibles and copays?
 Am I underinsured if something big happens (Death, Sickness, Accident)?
 Does my employer care?

4. 4Beneficial Associates, Inc. 1-800-290-1240
We Understand Your Benefit
Administration Needs
Offering solutions that assist with maximizing your Benefit
Package and Administration. BAI manages and supports the front
end and back end configuration. BAI provides expertise in the
following areas:
 Valuable Benefits with Competitive Pricing
o Shop all carriers and provide a detailed market
analysis
o Traditional (Health Care, Vision, Dental)
o Self-Funding/Level Funding
o Custom Developed and priced (MEC) Minimal
Essential Coverage Plans
o Telemedicine
o Voluntary & Group Supplemental Benefits
o HR Portal with Forum
 Enrollment/Onboarding/Employee Communication
o Customized Employee Benefit Guides
o BAI Certified Resource & Call Center
o Group or one-on-one communication of employee
benefits with a licensed benefits counselor
o Year round onboarding and support for new hires.
o BAI Distributes of required documentation (e.g.
SBC, SPD, etc.)
o Completion of Employee Waivers
 Required Compliance Documentation & Reporting
o Online Portal for HR and Employees
o COBRA Administration
o 1094/1095 Filing
o Timely completion of Plan Documents, SBC’s,
Wrap Documents, Section 125, Form 5500 etc.
o Wellness Program Disclosure
o DOL support for Audits & Reviews
o FMLA procedures and support
o Company Handbook Review
o Distribution of Market Place Notice
o HR Support & Portal with Forum
o PBJ Reporting Support
o Support with Payroll Integration
 Wellness Program with Tax Incentives
A Bureaucratic Nightmare
So you don’t think you need a system;
Employers are required to compile
monthly hours worked for all employees,
categorize owners and seasonal
employees and more. Finally,
companies need to track eligibility
periods for all employees as well as
offers of coverage & enrollment dates.
Did we mention that the data also needs
to be totaled on the 1094-C?
BAI combines Technology and Human
Support Systems to meet all of your HR
and Benefit needs.
How does BAI help our partners answer these
questions and create flexible solutions?
Simplified ACA Compliance
Eligibility tracking for hourly employees
 Set-up stability and administration periods
 Easily track hours during measurement periods
 Quickly identify eligible employees
The best data collection tool for 1095/1094
reporting
 Track and categorize your employees
 Import health plan enrollment data
 Calculate affordability & your monthly FTE
 Generate 1094-C and 1095-C

5. 5Beneficial Associates, Inc. 1-800-290-1240
TELEMEDICINE SOLUTION
 Helps reduce HealthCare Costs by redirecting employees and
their covered dependents to use Telehealth versus the much
more expensive; Emergency Room, Urgent Care and Primary
Care Physician office visits
 Access while at work to help reduce absenteeism
 Save employees time and money for common illnesses while
avoiding high co-pays and deductibles
 Redirects Rx Costs with discount cards that save money for
both the plan and the employees.
TECHNOLOGY SOLUTION
 Streamlined Employee Management for Employers to know
instantly when enrollment events occur and minimize claims
billing issues
 Easy to navigate self-service portals put Human Recourses in
the drivers seat.
 Improved Employee Communication, whether it’s benefits,
compliance or messaging, employees are always in the loop.
 No More Paper – Never worry about tracking down a signed
app or wondering if employees have reviewed all of their
compliance documentation.
We believe you should be able to provide your
employees the “best in class” benefit, enrollment and
HR technology that does not break the bank.
WELLNESS SOLUTION WITH TAX INCENTIVES
 Utilizing IRS Section 125, and aspects of ACA employers can
take advantage of significant savings tied to a self- funded
participatory wellness programs and initiatives.
 On average an employer can expect to reduce their FICA
match liability by $600-$750 per employee per year, while
implementing a wellness program giving employees a
“benefit bank” at no additional cost to the employee or the
employer.
 Benefit bank dollars to purchase additional voluntary
insurance like: Whole Life, SDT, LTD, Cancer CI, Accident,
and Hospital Indemnity etc.
 Fully customized dashboard for each employee to help
manage the required wellness activities and stay compliant
with the federal government.
MEC PLAN SOLUTION
 Minimum Essential Coverage (MEC) provides first dollar
coverage with access to one of the largest national preferred
provider organizations (PPO) available with great discount
savings for MEC benefits.
 MEC plans can enable organizations to satisfy one part of the
large employer mandate and avoid paying a $2,000
assessment per full-time employee for failing to offer full-
time employees qualifying health coverage.
 Employees can prevent being taxed the "Individual Mandate"
penalty by purchasing Minimum Essential Coverage through
their employer.
 Plans specially designed and priced for the VCHA administered
by one of the largest Third Party Administrators in the country.

6. Answers
We believe your employees do not have to sacrifice
quality benefits due to budgetary constraints.
Becoming your Partner
We can provide a variety of value added professional services that help reduce costs,
increase efficiency and improve employee satisfaction. Saving money on employee
benefits while still attracting and retaining the best and brightest employees is a must in
today's economy. Helping you meet these objectives is our specialty. Without proper
communication of insurance benefits employees do not recognize the value of their
Insurance Program. We will design and implement the appropriate communication
method for each employer to maximize the dollars invested into insurance plans.
Insurance Benefit Assessment Services
We will work closely with the client gathering information to understand their current
benefit package. In this process we do a great amount of listening and learning. Our
objective is to enhance the employers benefit package with no additional employer
dollars.
Traditionally, employer-sponsored benefits were the main concern in a benefits program.
However, with the rising cost of health care and scaling back of coverage employees are
less valuing the employer’s dollars going towards this benefit each year. Voluntary
benefits are becoming more widely used to enhance the overall benefit package.
It is critical that the entire benefit package including core and voluntary offerings that
work together and do not overlap creating excess premium for duplicated coverage. BAI
will assist the benefits broker and employer through this process with simple to
understand methods.
Key points to consider in this process
 Employer’s benefit philosophy
 Current core benefit package
 Benefits budget
 Cost sharing with employees
 Employee perception of current package
 Addressing needs to fill gaps in package
 Strategies to implement improvements
Support
Consulting
Technology
Compliance
Communication
Wellness
Innovation
Beneficial Associates, Inc.
P.O. Box 532
Forest, VA 24551
115 Goldenrod Place
Lynchburg, VA 24502
Phone: 800-290-1240