Healthcare Organizations' Benefits Trust is narrowly focused on developing disability and life, stop-loss, and dental plans that meet our clients’ individual needs and produce the best results possible.

The strength and scale of the Healthcare Organizations' Benefits Trust allows us to offer our clients an average savings of 25%, with extended rate guarantees.

In addition, unlike other benefits consultants, we complete a full analysis of each organization’s life and disability plans and make recommendations that typically lead to an additional 10-15% savings.

Memorial Health System*
43% employer savings with significant plan improvements

Hospital profile
  • 3,109-employee health system located in the Northwest
  • $1,267,094 annual employer spend for Life, AD&D, and LTD
  • $842,099 annual employee spend for employee, spouse and child voluntary life
Healthcare Organizations' Benefits Trust impact
  • $540,390 annual employer savings (43%) with significant plan improvements
  • $58,728 annual employee savings (10% for employee, as is for spouse/child)
  • Recommended plan changes offered additional annual savings of $50,000
  • Rate guarantees are 3.5 to 4 years, providing a total savings in excess of $2,000,000

Community Hospital*
$40,000 paid to hospital in first year through RN recruitment benefit

Hospital profile
  • 1,182-employee hospital located in the Midwest
  • $833,198 annual employer spend for Life, AD&D, and Disability
Healthcare Organizations' Benefits Trust impact
  • $221,621 (27%) annual employer savings
  • $93,947 additional first year cash flow (result of Trust-negotiated funding arrangement)
  • $40,000 paid to hospital in first year through RN recruitment benefit (25% of hospital’s annual LTD costs)

University Health System*
$1,000,000+ potential savings without any competitive bidding

Hospital profile
  • 7,500-employee university hospital in the Northeast
  • $8,500,000 annual spend for Life, AD&D, STD, and LTD
Healthcare Organizations' Benefits Trust impact
  • Identified $1,000,000+ potential savings without any competitive bidding
  • Offered significant improvements in income replacement ratios for highly compensated physician group
  • Proposed an administrative change that significantly reduced the cost of imputed income tax compliance
  • Reduced insurance risk charges and simplified enrollment choices without any reduction in the value of plan choices
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Learn about ways the Healthcare Organizations' Benefits Trust can enhance your life and disability programs.