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Employee Benefits

Benefits are an integral part of a total compensation package. Like most responsible benefit managers, you want to offer a competitive benefit plan while meeting cost objectives. Cairnstone Financial Group can help you accomplish both by designing custom plans that meet employee and employer needs.

We understand each employee population is unique. Together, we develop long-term strategies that focus on your employees’ physical and financial well-being. This strategic plan puts you on the right path to realizing efficiencies, cost savings, and compliance. And at the same time, your employees receive quality benefits and feel empowered to make meaningful life changes.

Customization of Benefits

Customized benefit plans drive employee engagement and empower participants to better manage their health and well-being. We use sophisticated technologies like claims analytics and predictive modeling as well as traditional tools like bench-marking and employee surveys to gain insights on your employee and retiree populations.

Equipped with this information, we create a comprehensive plan that aligns with both your employees’ needs and your business goals, while making the best use of your resources. With our integrated wellness programs, grounded in education and behavioral science, you will have a competitive benefit package that improves your population’s health and encourages healthy behaviors.

Core Competencies

We draw from an extensive menu of core competencies and combine elements to construct a tailored plan to meet the requirements of your employee and retiree populations.

Through national carrier relationships we offer coverage for:

  • Medical Insurance
  • Dental Insurance
  • Disability (short term)
  • Disability (long term)
  • Life Insurance
  • Long Term Care

We also offer voluntary benefits through national carriers, including:

  • Life Insurance
  • Disability
  • Critical Illness
  • Accident
  • Limited Medical
  • Concierge Services
  • Legal Assistance
  • Identity Theft Protection

Ongoing Involvement and Administration

Cairnstone does not design a benefit plan and step aside. We work alongside you, creating a three-year goal and fine tuning your plan as we identify health risk factors and develop wellness activities to encourage and reward healthy behaviors. Continuously pursuing compliance management, we gather and review data from our robust health analytics system every month, apply this knowledge, and make adjustments.

And, as a high-touch organization, we help you address HR requirements, implement initiatives, and interact with your employees. We stay connected and involved with a dedicated service representative who knows you and your employees well. Cairnstone is your total benefits partner. Contact Us.

The Cairnstone Difference

Our culture is one of service and high-touch engagement. As advisors and advocates, we seek to make your life easier and your employees’ lives better. Let’s talk about how to enrich your workforce – and your bottom line.

Call: 317-669-9470   Toll free: 1-887-977-0117

Ensure your benefit program complies

As regulations continue to change, compliance grows increasingly complex. Cairnstone understands the challenges and the laws. We can respond to all your questions.

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Gain control over the drivers of healthcare cost

The Cairnstone technology solution, powered by Johns Hopkins ACG®, lets your organization reduce risk, enhance employee health, and achieve benefit cost savings.

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Bring transparency to specialty drug spend

Cairnstone developed pharmacy protocols to more tightly monitor and manage these costs.

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