Creative Solutions Group, Employee Benefits Specialists

What we can offer your Company...
The Problem: Your company has been hit hard with double-digit health benefits increases.
The Answer: Tap into the Employee Benefits Consulting Expertise of CSG.

The Benefits Start Here
Our services include analyzing your current group health benefits to optimize coverage - identifying potential cost savings opportunities and facilitating creative benefits solutions. We listen to your needs to build out a strategy that meets your company's needs.

Small Employer Health Benefits Survey Nearly 1 in 5 small employers offering health insurance modified these benefits during 2001, according to the 2002 Small Employer Health Benefits Survey (SEHBS), which found that the changes often led to higher employee costs. Click here to read more.

Even in a Bad Economy, More Employers are Offering Vision Plans... "With ever-increasing medical insurance costs, it would be logical to assume that other benefits like vision would be pushed aside" But according to the Society for Human Resource Management's (SHRM) 2002 benefits survey, the percentage of employers offering vision insurance has increased from 60% in 1998 to 73% last year. The biggest jump came between 2000 and 2001, when the number leapt from 63% to 72%.

If your company doesn't offer a vision plan, or is looking for creative ways to offer more for less, we may have alternative solutions for you and your company; give us a call...maybe we can help. Call us toll-free at 1.877.848.7333 to talk about options.

Some Healthcare Factoids...
42.5 million Americans are uninsured. Who are these people? Many are younger (18-24); many are part-timers; many are self-employed. Over 20% of the uninsured population live in a household with an income of over $50,000 annually. 18% of the workforce in America is uninsured. Nearly 70% of employees working for employers with less than 25 employees are not offered health benefits through their place of employment.

Isn't it time for an alternative healthcare solution?

Click here for a special low-cost offer:

http://www.creativesolutionsgrp.com/1102ad.htm

What we can offer your employees...
The Problem: Your benefits budget is shrinking or perhaps already small, but you still want to offer a comprehensive package to set yourself apart in the market place, attracting and retaining valuable employees.
The Answer: CSG's EffectiveSolutions^SM

The Benefits Start Here
EffectiveSolutions^SMis designed to make life easier for your benefits department and for your employees.

As a benefits provider, you get:

Comprehensive Benefits: Health, life, disability, dental and vision benefits from America's best providers
Flexibility: Choose from a full spectrum of competitively priced products and services.
Simplicity: A single point of contact and our web-based platform make EffectiveSolutions easy to administer, deliver and maintain. We'll even take care of your program enrollment.

Your employees get:

Savings: Depending on the product, your employees can save with either group rates or group discounts on a wide range of products and services
Convenience: A secure Website and a single toll-free number make it easy for your employees to enroll and easy for them to access their benefits information
Service: Knowledgeable consultants are just a toll-free call away and ready to answer questions or provide assistance.

Find out what we can offer you and your employees:

The power of EffectiveSolutions offers an alternative approach to providing healthcare benefits for you and/or your employees. With out-of-pocket healthcare costs skyrocketing to over $170 billion dollars per year in the U.S., Creative Solutions Group is proud to bridge the gap between employees, employers and affordable healthcare.

EffectiveSolutions is not health insurance, nor is it intended to replace health insurance.

Creative Solutions Group, The Green Office Park, 1272 West Main Road, Middletown, RI 02842

Toll-Free: 1.877.848.7333 fax: 401.848.7444 email: contactCSG@creativesolutionsgrp.com

Karen Weinseiss Ken Fransson Dave Fraser Employee Benefits

Creative Solutions Group

provides:

Employee Benefits Consulting

Employee Benefits Program Design and Analysis

Alternative Comprehensive Medical Benefits Programs

Supplemental Voluntary Employee Benefits Offerings

Life

Dental

Vision

Disability

Prescription Drugs

Take Advantage

of EffectiveSolutions^SM

Today!