• Employee Benefits

    Confident planning. Empowered negotiation. That's the future of your benefits program—and we'll help get you there.
  • Planning. Implementation. Monitoring.

    It's about more than cost control. You know your benefits play a vital role in attracting and retaining talent. So everything we do is about helping you direct your resources the right way. Giving your employees meaningful choices to improve their health and their lives — freeing them to do great things.

    Benefits planning: know where you’ve been — choose where you’re going

    We can help put you on track:

    • Design your benefits plan: We bring all the data together to help you determine the optimal benefit features for your go-forward plan, including co-pay, reimbursements, contribution levels and consumerism incentives. We can help you get more value from your pharmacy plans, too. Learn more about our analytics
    • Communicate with your team: Let us help you craft and promote your company’s mission, vision and values. We’ll also help you evaluate the HR response to corporate initiatives, such as acquisitions, layoffs or expansions.
    • Track health plan performance: Identify your cost drivers and gain control of your valuable data. We combine your historical claims data with future claims projections — to generate benchmarking, trend analysis, predictive modeling, financing forecasts and more. You can access your data and create fully customizable reports through our secure Web-based applications. Learn more about our analytics
    • Negotiate with carriers/TPAs: Leverage our expertise to get the best and final offer. We’ll use our analysis to your advantage and handle all carrier negotiations on your behalf.
    • Launch Health Improvement Initiatives: Modify your risk factors for real cost control. We analyze employee health trends and help you devise programs to improve employee health decisions. Learn more about health improvement and wellness initiatives

    Implementation: put all the pieces in place

    Let us help manage your transition:

    • Communication: Reach your employees with all the information they need. We provide a variety of formats, including printed materials, videos and online resources. Learn more about HR support services
    • COBRA administration: Handle continuation of benefits without the headaches. We can administer participant communication and secure premium collection. Learn more about HR support services
    • Online enrollment: Automate for error reduction and better employee engagement. Our customizable, secure web-based benefits environment helps your employees easily navigate the enrollment process, and features helpful tools to support their health care decisions. Learn more about benefits administration services

    Monitoring: keep ahead of your health costs

    We offer you insights across the board:

    • Budgeting: Stay on top of your trends. Our actuaries can help you anticipate and manage changes to your bottom line. Learn more about actuarial analytics
    • Analyzing claims: Know where you’re spending. We look at your claims on a micro level in order to help you gain a better understanding of what you can do to control costs. Learn more about claims analytics
    • Supporting compliance and regulatory mandates: Keep ahead of changes. Federal and state requirements require a vigilant eye. We are your compliance partner — with seminars, annual reviews and checklists, newsletters and webinars to keep you prepared and informed. Learn more about how we can help
  • For more information, contact one of our office locations.

    Looking for a new way to offer health benefits to your employees? Explore how First Niagara Benefits Exchange, a private health insurance exchange, can help.

    Learn More

Risk management, benefits consulting services and insurance products are offered through First Niagara Risk Management, Inc., doing business as First Niagara Benefits Consulting, a wholly-owned subsidiary of First Niagara Bank, N.A., and a licensed insurance broker and agent. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.

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