Our company provides voluntary benefits to help employees cover unexpected medical costs. Voluntary benefits can protect employees' savings and retirement from expenses like accidents and illnesses. They are affordable options to fill coverage gaps, are owned by the employee, and have no direct cost to employers. We help set up payroll deductions and educate employees on options like accident, critical illness and life insurance.

1. Our Mission is to help companies strategize, implement, and
service the entire voluntary benefit process.

2. There has never been a better time for you and
your employees to haveVoluntary Benefits
The Health Insurance landscape is more complex then ever before
and changes in Health Care cost continue to rise.
Change in health care offerings
Gaps in Coverage
Increased out-of-pocket expenses

3. Enhance your benefits offering!
Our programs are designed to help your employees
Hold on to what they work so hard for every day
Protect their income from unexpected illness and injury
Avoid Credit Card debt and Loans against 401K / Retirement
Nearly 6 in 10 workers don’t have a financial plan in place to handle
the unexpected.

4. The Reality is…
68% of employees underestimate the total
cost of injuries or illnesses, including
medical household and out-of-pocket
costs.
52% have less than $1,000 to pay out-of-
pocket expenses associated with
unexpected serious illnesses or accident,
and 28% have less than $500 available.

5. How will your employees pay?
Are they going to get a bank loan or put it on a credit card?
Are they going to dip into their Savings or Retirement?
Or are they going to come knocking on our door?
Are they going to borrow from friends & family?

6. Voluntary policies compliment your benefits
package
InToday’s World No Benefit Package Is CompleteWithoutThese 3
Major Medical
Workman
Compensation
Major
Medical
Voluntary
Benefits

7. WhyVoluntary?
Voluntary benefits help fill gaps that exist now in many health
insurance plans.
More and more company benefits are being offered on a
voluntary basis at a significantly reduced rate; these benefits
are NOT company paid.
Premiums are deducted from payroll and the Employer simply
remits collected premium to carriers.
No direct cost to the company for offering these types
of benefits.
Even though fully funded by employees, the perception is a
better benefits package is being offered than competitors.

8. What are common solutions business owners
are using to attract and retain quality
employees at little to no cost?

9. Most Popular Solutions
Accident Insurance
Hospital Insurance
Critical Illness Insurance
Life Insurance
◦ 38% of employees have no life insurance in place.
◦ 40% of employees who have life insurance do not believe they
have enough.

10. OtherVoluntary Benefit Solutions
Telemedicine
IdentityTheft Protection
Legal Protection
Dental/Vision
Maternity
Pet Insurance
Short-Term Disability (when not already offered as a
company paid benefit)
Long Term Care

11. Value for your employees!
Affordable plans available to fit most budgets
Guaranteed –Renewable
Portable – they own it
Rate Stability
Benefits paid regardless of other insurance
Easy Claim process paid directly to insured

12. Why use MWE?
1. Our services are offered at no direct cost to
business owners.
2. Experienced staff that focuses only on this niche
Voluntary Benefits.
3. Turn-key implementation – all services including
enrollment, general inquiries, claims, etc. are handled
directly by MWE.
4. Charity program available.
5. Access to all product lines through the top carriers.
6. No long term contract – Service is our guarantee.
If you are not satisfied you can cancel at anytime.

13. You deserve to work with the best!
We set up the payroll deductions
We help educate your employees
We conduct the enrollments
We help employees with claims

14. Getting Started Today is Easy
100%
Employee Funded
3+ Participants
Enrollment best for
individual personalization

15. A mutual agreement to ensure success!
Your Agreement
Authorize Payroll Deduction
Provide a Simple Census
Assist in Enrollment Conditions
Help Select Policies to be Offered
Schedule Enrollment
Our Commitment
Enrollment Conditions
Enrollment Set Up
Employee Education
Conduct Enrollment
Assist with Employee Claims

16. What is Telemedicine????
Convenient Access to Quality Healthcare…on your schedule!
You could have: Immediate Access to Doctors and Pediatricians 24/7/365 by video, phone or email.
Talk directly with a doctor or pediatrician in minutes
No deductibles or copays
Board Certified, US based doctors
Prescriptions called in to your local pharmacy (at doctor’s discretion)
Unlimited use with no per-call fees
For your entire family
Doctors Average of 15 years experience
100% HIPPA Compliant
Design for non-emergency care; 71% of all medical visits today are non-emergency.
Common Conditions we treat:
Acne
Allergies
Asthma
Bronchitis
Cellulitus
Cold & Flu
Sunburn
Sore Throat
Fever
Gout
Headache
Infections
Insect Bites
Rashes
Diarrhea
Ear Infection
Sinus Infection
Sports Injuries
Constipation
Skin Inflammations
Urinary Tract Infection
Joint Aches & Pains
And More…
Cover your entire family
Unlimited Consultations
$0 co-pay
Complements high-deductible health plans
Average call-back under 10 minutes
Only $10.00 a month per employee/per family

17. Contact matthew.evans@mwesolutions.net or (410)737-1620 to get started.