Individuals

Because our clients demand it, we work on the very edge of employee benefit design. Our "toolbox" of services is designed to deliver end-to-end, next-generation products and services, all backed by state-of-the-art tools and technology.

Our Host of Products
You can count on us to design, administer and integrate your comprehensive employee benefits package. We'll partner with you to design a program incorporating a host of medical and ancillary products, as well as executive compensation products.

  • Medical Insurance (HMO, POS, PPO, Out-of-Area)
  • Dental Insurance (DMO, PPO)
  • Vision Insurance
  • Life Insurance
  • Accidental Death & Dismemberment Insurance
  • Short Term Disability Insurance
  • Long Term Disability
  • Employee Assistance Program
  • Flexible Spending Account Administration
  • COBRA Administration
  • Retirement Plan (401(k), Money Purchase and Profit Sharing Plans)
  • Voluntary Programs (Life, AD&D, LTC, STD)
  • Cancer and Critical Illness Insurance
  • Business Travel Accident Insurance
  • Supplemental Executive Retirement Plan
  • Phantom Stock Option Plan
  • Death Benefit Only (DBO) Plan
  • Welfare Benefit Plan

Web-Based Access
FBS provides online access to your customized benefit information;

  • Summaries of employee benefit programs
  • Program eligibility rules & contribution requirements
  • Enrollment and other forms
  • Links to useful HR resources with detailed information on COBRA, HIPAA, ADA, ERISA, other HR regulations and frequently asked questions
  • Provider links to directories listing all network providers
  • Company news about benefit programs
  • And more

Complementary Access To Our Employment Practices Attorney
To help make sure you take prudent steps to address workplace issues, FBS offers a complementary 2 hour consultation with our employment practices attorney. When you have an employment-related question, our attorney can help guide you through the proper steps with respect to personnel issues, answer employment-related legal questions, and identify the best approach for documenting and resolving workplace issues or disputes. The first two hours are on us, but if you elect to retain our attorney for additional work, her normal hourly fee will be discounted.

Claims Representation and Administration Support Services
FBS's experienced support staff provides timely, accurate, and resourceful support for claims and administration issues. Our customer-focused approach makes us an "outsourced" extension of each client's HR department. We provide clients with a dedicated team, freeing them from the day-to-day hassles and headaches of benefit administration, so they can do what they do best - grow their businesses.