Years ago, most companies provided for employee benefits through traditional insurance programs.  The carriers were responsible for administrative services, establishment of premium and reserve levels and payment of claims.  But many employers now feel they can better control costs by separating the responsibilities, accepting a portion of the risk and self-funding their employee benefit plans.

ABAS/TPA provides professional guidance to groups considering self-funding.  ABAS/TPA’s sales consultants will provide a written proposal comparing your current plan with a self-funded program. ABAS/TPA can show you how to use excess loss insurance to limit your claim liability and preserve self-funding’s cashflow advantages.  (Excess loss coverage protects your plan against extreme losses by reimbursing you if annual claims exceed a predetermined level, which ABAS/TPA helps you establish.)