Group life & ancillary benefits
Review coverage levels, eligibility, plan design and how ancillary benefits fit the employer’s overall program.
All servicesStronger coordination.
Group benefits & leave consulting
Stronger coordination.
A clearer path forward.
Group life, disability and ancillary benefits, connected with practical leave administration consulting and coordination for an evolving workforce.
Let’s talkThe bigger picture
Benefits and leave should work together.
A thoughtful benefits strategy considers both financial protection and the experience of taking time away from work. Group plans, supplemental coverage, state programs and federal leave requirements each have their own rules.
Caliber helps employers evaluate group life and disability benefits and coordinate the moving parts of leave administration. We work alongside HR, carriers, leave administrators and appropriate advisers to clarify responsibilities and improve the connection between programs. Our knowledge of the professional employer organization (PEO) marketplace also helps employers weigh coverage, total costs, HR and payroll support, and transition needs when deciding whether to stay with or change an arrangement.
A coordinated foundation.
Our review brings the insurance strategy and administrative handoffs into the same conversation.
Short- & long-term disability
Evaluate group disability protection, benefit definitions and the relationship to supplemental income protection.
State paid family & medical leave
Evaluate applicable state programs and, where permitted, approved private-plan options, with attention to employee communication and coordination with disability and other leave.
Multi-state leave coordination
Help organize location-specific requirements, administrative responsibilities and handoffs as state leave programs evolve.
How we help
Clear roles. Better-connected programs.
Specialty expertise, clear communication and practical support at each step.
Review the foundation
Understand current group plans, workforce locations, existing leave arrangements and the parties involved.
Identify the intersections
Consider how applicable leave programs, disability benefits and employer policies may interact. Insurance benefits follow the plan’s terms; leave eligibility and obligations depend on the applicable laws and the circumstances of each request.
Coordinate the right partners
Clarify the roles of the employer, carrier, leave administrator and legal or other advisers.
Support the employee experience
Help align communications and administrative handoffs so employees know where to turn and what to expect.
A little more clarity
Questions worth asking.
Are PFML, FMLA and disability insurance interchangeable?
No. They have different eligibility rules, purposes and obligations. Benefits and leave allotments may interact, and coordination must be assessed for the applicable programs and circumstances.
Does an approved private plan remove the employer’s state leave obligations?
No. Where a state permits a private-plan alternative, the plan must satisfy that state’s applicable requirements and approval process. Employers retain responsibilities that can include notices, administration, reporting and maintaining the required coverage. The details vary by state, so we coordinate the applicable program, private plan and other leave requirements with your administrators and advisers.
Does Caliber replace our legal counsel or leave administrator?
Our role is benefits consulting and coordination. We help connect the relevant parties and clarify administrative responsibilities; services do not replace legal advice or guarantee compliance in every situation.
Let’s start a conversation
Bring benefits and leave
into one conversation.
Start with your current plans and the coordination challenges facing your team.