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While many benefit brokers concentrate on rate shopping during renewals and addressing service issues reactively, our approach at CBIS sets us apart. We are committed to a solution-based strategy, placing a strong emphasis on educating our clients and functioning as an extension of your team. This enables us to identify and address potential issues proactively, keeping you informed about the ever-evolving benefits landscape. Let us assist you in staying ahead of these changes, allowing you to focus on your core strengths in today's competitive business environment.

Our specialization lies in employee benefits, where we craft customized benefit packages using the latest technology. We provide Health Insurance, Dental Insurance, Vision Insurance, Life Insurance, EAP Plans, FSA plans, and voluntary benefits tailored for groups with over 2 employees. Our dedication involves thoroughly exploring the market to secure robust plans at the most favorable price points. Feel free to reach out to us anytime for quotes or with any questions you may have!

Establish and surpass your employee benefit objectives by aligning them with your company's organizational culture and employee demographics. In our employee benefits consulting services in San Diego, we prioritize working closely with clients to address three critical aspects:

Tailoring: Recognizing that employees bring diverse needs and preferences, we emphasize customization. Taking into account demographic data and individual preferences is key when making benefit decisions.

Communication: We understand the influential role of effective communication in ensuring that employees are well-informed about their benefits. Clear communication is also integral to a seamless onboarding process.

Cost Optimization: Identifying financial inefficiencies within your business, we enhance cash flow. Subsequently, our team formulates a benefits plan that not only addresses your unique needs but also delivers sustainable returns on your investment.

Evaluate the specific products and services essential for your organization. In the realm of employee benefits consulting, compliance stands out as a primary concern for employers. Leveraging our team's extensive experience, we offer adept guidance to navigate even the most intricate compliance issues. Throughout our years in benefits consulting, the following products and services have proven to be highly successful:

Health Care Cost Management: Addressing the escalating costs of health insurance premiums is a top priority in our employee benefits consulting services. Our brokers assist in projecting premium increases and devise strategic plans to mitigate these rising costs.

Pharmacy Benefits Management: With medication constituting a significant portion of medical expenses, our specialists focus on finding cost-saving solutions. By exploring plans that align with the evolving landscape of medication costs, we aim to save money for both employees and businesses, particularly benefiting seniors and those with chronic illnesses.

Alternative Benefits: Offering non-traditional benefits can be a unique way to attract and retain employees. Approximately 77% of employees express interest in such benefits, including lifestyle perks, onsite counseling, pet insurance, and telehealth services.

Executive Benefits: Recognizing the pivotal role of leadership, executive benefits become instrumental in attracting experienced managers. Particularly appealing in finance and business sectors where managers face heightened financial risks, these benefits contribute to comprehensive talent retention.

HR Technology and Benefits Administration: Simplifying processes and saving time and money, we provide platforms and resources for efficient benefits administration. Enhanced accessibility promotes increased enrollment in benefits packages, potentially reducing per-person costs over time.

Collaborating with CBIS for employee benefits , we go beyond initial planning. Expect our team to support your in-house human resources professionals with effective communication strategies, fostering seamless information dissemination and constructive feedback.

Voluntary Benefits

Employees seek quality insurance from their employers, yet employers aim to fulfill their needs without exceeding their budget. Voluntary benefits offer a solution. By introducing Voluntary Benefits, you can provide your employees with a variety of insurance options, ensuring their satisfaction without adversely affecting your financial standing.

The trend of businesses adopting voluntary benefits is on the rise, driven by the increasing demand from employees. In a recent survey, 80% of employees expressed interest in additional protection. To stay ahead, it's essential to understand how Voluntary Benefits can positively impact your company.

Currently, more than half of US businesses have embraced voluntary benefits. Are you among them? Discover the suitable benefits for your employees and stay competitive in meeting their needs.

Disability insurance replaces a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.

Accident insurance helps offset the unexpected medical expenses, such as emergency room fees, deductibles and co-payments, that can result from a fracture, dislocation or other covered accidental injury.

Life insurance enables you to tailor coverage for your individual needs and helps provide financial security for your family members.

Cancer insurance helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most plans don’t cover. This coverage also provides a benefit for specified cancer-screening tests.

Critical illness insurance supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.

Hospital confinement indemnity insurance provides a lump-sum benefit for a covered hospital confinement or a covered
outpatient surgery to help cover co-payments and deductibles that aren't paid for by most major medical plans.

Choose options your way:
- Coverage is available for your spouse and eligible dependents with most products.
- Benefits are paid directly to you, unless you specify otherwise.
- With most plans, you can continue coverage when you retire or change jobs, with no increase in premiums.
- With most plans, you receive benefits regardless of any insurance you may have with other companies.

Client Benefit Insurance Services is committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability. We aim to adhere as closely as possible to the Web Content Accessibility Guidelines (WCAG 2.0, Level AA), published by the World Wide Web Consortium (W3C). These guidelines explain how to make Web content more accessible for people with disabilities. Conformance with these guidelines will help make the web more user friendly to everyone. Whilst Client Benefit Insurance Services strive to adhere to the guidelines and standards for accessibility, it is not always possible to do so in all areas of the website and we are currently working to achieve this. Be aware that due to the dynamic nature of the website, minor issues may occasionally occur as it is updated regularly. We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility.If you have any comments and or suggestions relating to improving the accessibility of our site, please don't hesitate to contact our accessibility coordinator Brett Welty by phone at 858-569-1000 or by email at Your feedback will help us make improvements.

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