Group Insurance

Employee benefits are often the fastest rising expense that most companies face today. Health care has become so complex that employers struggle continually to find the balance point between providing needed employee benefits and grappling with economic pressures.

Working with CSNW provides the assurance of working with professionals dedicated to designing and implementing innovative programs that provide financial security, best of breed health plan options, increased productivity and work/life balance.

Compensation Systems NW Inc has the collective experience to understand the health and benefits needs of today's employers. Recognizing that you need much more than just the traditional insurance benefits programs, we offer creative solutions in the following areas:

  • Health Care
    • Consumer Directed Solutions (HSA, HRA, FSA)
    • Health Plan Modeling Tools
    • Individual Medical
    • Limited Benefit Medical Plans
    • Pharmacy Management
    • Retiree Medical
    • Self-funded Plans
    • Traditional solutions, including HMO, PPO, POS
  • Dental
  • Vision
  • Disability Insurance
  • Voluntary Worksite Benefits
  • Wellness Programs
  • Identity Theft Protection



Now more than ever, health care is at the forefront of people's minds. Employers are constantly struggling with how to provide affordable health benefits to their employees, while employees struggle to keep up with their share of the cost of health care for them and their families.  It is more important than ever to partner with a benefits advisor who understands the macro issues in the health care industry while also taking time to understand the specific issues that you and your employees are facing.

We provide employers with long-term value by delivering the best health coverage at the best rates possible. From traditional employer-sponsored insurance plans and consumer-directed health plans to voluntary benefit solutions such as limited benefit medical programs, we have the ability to actively engage your employees in cost control through education and empowerment.

Our products and services include:

  • Consumer Directed Health Care (HSA, HRA, FSA)
  • Self-funded Plans
  • Traditional solutions, including HMO, PPO, POS
  • Health Plan Modeling Tools
  • Individual Medical
  • Limited Benefit Medical Plans
  • Pharmacy Management 

Download the 2017 Employer Health Benefits Survey  

  • This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and employer opinions. 




For most employees, protecting income in the event of a catastrophic event is a very high priority, yet many do not know what coverage they receive at work, if any. Some employers do not offer disability programs and many that do unknowingly have contracts that fall far short of protecting their employees. These “gaps” require an advisor to point out where the employer’s coverage leaves off. Outside of their employer-sponsored insurance benefits, people understand the importance of purchasing insurance on their personal assets such as their homes, car, and other big ticket items. However, they often overlook protecting the one asset which makes acquiring all other assets possible: their ability to earn income.

Compensation Systems NW Inc. has the knowledge, expertise and resources to help employers find the appropriate income protection solutions for both rank-and-file and highly compensated employees, including:

  • Short Term Disability (STD)
  • Long Term Disability (LTD)
  • Multi-life Disability
  • Individual and Business Overhead
  • Buy/Sell
  • High Limit Disability for high income professionals



Well-designed comprehensive wellness programs not only benefit employees, whose healthier lifestyles reduce their medical costs, but also benefit employers, who as a result of a healthier employee population experience higher productivity, reduced medical premiums, and reduced absenteeism and presenteeism.

Our available wellness program resources include:

  • Employee Assistance Programs (EAPs)
  • Health Risk Assessments
  • Biometric Testing
  • Health/Lifestyle Coaching (onsite or web and telephone-based)
  • Smoking Cessation
  • Weight Management
  • Disease Management
  • Financial Counseling


Voluntary Benefits

We all know intuitively that one size doesn’t fit all.  So why do we still expect our employer provided benefits to meet the needs of everyone?

Consider offering a suite of voluntary benefits that allow employees to customize their benefit package to meet their unique needs. Voluntary benefits are those for which employees pay all or some of the premiums.  The opportunity to fill gaps in coverage with voluntary products helps you offer a more comprehensive benefit package as well as manage benefit costs.

Your employees will appreciate the opportunity and convenience of buying coverage at work to help them maintain financial and physical well-being.

CSNW can design a comprehensive voluntary benefit lineup that can satisfy even the most meticulous employee.

  • Accident plans
  • Critical Illness plans
  • Life
  • Disability
  • Identity Theft Protection
  • Travel Insurance

 Click here for short video about voluntary benefits


Company Sponsored Retirement Plans

A successful retirement program is one of the most important benefits you can offer your employees. Regardless of the size of your business, or the type of retirement plan you need, we offer all types of bundled and unbundled retirement plan options.

Our goal is to help plan sponsors and their participants realize the full potential of their retirement programs and achieve the long-term outcomes they seek. Our knowledgeable, experienced staff provide you with the expertise, choice, and service you deserve.

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© Copyright 2017, Compensation Systems NorthWest, Inc.