Chamber program offers benefits

HARLEM VALLEY — The big follow-up question when it comes to employment isn’t where you work or how much you make.

“Do you get benefits?†is the question that’s always asked.

Thanks to a new program that the Harlem Valley Chamber of Commerce is participating in, employees at the same company can all say “yes†in different ways.

The Harlem Valley Chamber of Commerce has signed a contract with Liazon, a benefits company based out of Buffalo, that gives the Chamber and all its members the flexibility to let employees choose the benefits package best-suited to their needs.

“The [benefits] plan that an employer chooses is typically the plan that is right for the most needy 20 percent,†said Alan Cohen, who is the chief marketing officer for Liazon. “That plan is far more expensive than what the average person would pick.â€

Under Liazon’s program, employers are responsible for a spending budget, which is allocated to employees for benefits. Employees then have the option of choosing a custom package of health, vision or dental plans best suited to their needs. Additional benefits like college savings, 401Ks and credit programs are also available.

Liazon started doing business in January 2008. Today, Liazon assists 1,500 companies and 8,000 employees by “building marketplaces†and helping people  build personal benefit portfolios, which Cohen said are much like investment portfolios. Liazon works with companies with as many as 500 employees who each have a different benefits portfolio, says Cohen.

This nontraditional way of looking at benefits is “perfectly suited for chambers of commerce,†according to Cohen.

“Even companies as small as two employees have complete access to different plans,†Cohen added, noting that Liazon offers plans that cost as little as $160 per month. In working with other chambers of commerce, he said Liazon “was surprised how many companies that never offered health benefits to their employees now do. If you’ve been afraid of offering benefits, here’s a way to do it.â€

Steve Bahm, a Chamber member, turned the organization on to Liazon, which is his own insurance provider.

“We were talking about employee benefit programs,†recalled Ken Hale, president of the Harlem Valley Chamber of Commerce. “Liazon just offers so much that we couldn’t do before, and many small businesses couldn’t afford.â€

“For a small employer, having the opportunity to participate in a large benefits marketplace is unheard of,†Bahm said.

Response to the new program has been very positive, Bahm reported, but a forthcoming marketing campaign hasn’t been “put in gear yet.†The contract has just been signed, he said, and Liazon and the Chamber are working on seminars to be held throughout the Harlem Valley.

Offering varied benefits packages isn’t necessarily unique to Liazon. Larger companies can sign with national companies that allow similar flexibility. Lesley Rohan, for example, is store director at Freshtown in Amenia, and is on the Board of Directors for the Harlem Valley Chamber of Commerce. She said that right now Freshtown has no plans to switch providers.

“We currently have a very good benefits program,†she said. All full- and part-time associates working for Freshtown are eligible for benefits. Rohan explained that as a bigger company, Freshtown hasn’t found trouble finding a company that provides a wide range of options to their employees.

However, Rohan did say the program was unique for a chamber to be offering, and that much smaller businesses were better suited to take advantage of it.

“In my estimation, it works well for those businesses that employ less people, where the cost [of benefits] would probably be very prohibitive,†she said.

Hale explained that the only option for businesses with one to five employees has been Healthy New York Insurance. With the chamber signing with Liazon, local businesses now have different options, Hale said.

“One of the things we’ve always had a concern was that many of the businesses in the Harlem Valley are very small,†he explained. “They don’t have the purchasing power to negotiate rates. This allows them the options that larger companies have.

“I think it’s going to be a slow conversion for the bigger companies,†Hale added. “But as renewals come up, the bigger and medium-sized companies will be changing over. With the smaller ones, it’s going to be picking up a faster pace. It’s all going to depend on the employer’s finances.â€

More information on the Harlem Valley Chamber of Commerce, as well as the Liazon benefits packages, can be found by visiting harlemvalleychamber.com.

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