We answer employee questions and advocate to the insurance companies on their behalf.
We assist employers in meeting federal compliance requirements relating to employee benefit programs, ERISA (Employment Retirement Income Security Act), and ACA (Affordable Care Act).
Cummings, Fraser & Associates has over 35 years experience providing the best group health insurance & welfare benefits at the lowest possible cost and helping employees understand and appreciate the valuable benefits their employers provide them.
First, we’ll help you assess your benefit needs and goals. Then we’ll bid the market for you, keeping you up to date with industry changes and providing an array of customized benefit options that best fit your company’s size and needs.
We emphasize a partnership based on integrity, depth of experience, trust and the provision of exemplary service. Our goal is to build a long-term relationship with you and your company.
Carrier direct commission payments or a consulting fee.
Absolutely! Your benefits consultant works in tandem with your dedicated Account Manager.
We use different funding mechanisms, HRA’s, carrier tools, and technology