Benefit Programs

KeyArx has been chosen as one of the exclusive broker partners in the United States to offer the trust benefit plans to its clients.  Some of the highlights are:

  • Balanced Risk – The scale spreads and balances the risk an individual group may incur over 1,000,000 lives.
  • Expense Control – With multi-year rate guarantees and fixed plan expenses spread over a significantly larger premium base, participants are better able to control expenses and have a greater ability to forecast benefit plan costs.
  • Cost Stability – The power of large numbers allows the program to enjoy a higher credibility to be placed on the prospective rating – more than an individual organization would achieve independently of the HBA Trust.
  • Purchasing Power – The value of the HBA Trust is that we achieve economies of scale.  Moreover, with aligning administrative procedures, buying power is further maximized.

Here are just a few of our success stories:

  • Rehabilitation Clinic with locations in 11 states across the U.S. covering 1,500 employees – Reduced Group LTD, STD, NYDBL and Life premium by 39% with a 3-year rate guarantee resulting in savings of $442,000.
  • Assisted Living Facility with 850 employees – Group Life/AD&D, LTD, STD and Leave Management premium was reduced by 28% with a 3 year rate guarantee.
  • Hospital with 4,050 employees – Group Life/AD&D, LTD, STD and Leave Management rates reduced by 21% and rates were guaranteed for 3 years.