Business Details
43 Years
experience
Employee Benefits Solutions in Grand Rapids, MI
Since 1983, we have been dedicated to creating tailored employee benefits solutions for businesses across West Michigan. Our approach combines comprehensive benefit consultation, personalized administrative support, and strategic partnerships to deliver plans that align with both employer budgets and employee needs. With access to over 38 insurance carriers, we specialize in health, dental, life, and disability plans, emphasizing transparency in claim processing and pre-existing condition policies.Our team acts as a dedicated help desk for employees, ensuring maximum benefit payouts, while serving as a liaison between employers and carriers to streamline administrative tasks. As an affiliate of the Lighthouse Group, we extend our expertise to business and personal insurance solutions across Michigan, maintaining a commitment to exceptional service demonstrated through decades of client testimonials highlighting cost savings, expertise, and reliability.
Services
Benefit Consultation
Employee Help Desk
Health Savings Accounts
Flexible Spending Accounts
Fully-Insured Plans
Self-Insured Plans
HIPAA Compliance Assistance
COBRA Administration
Section 125 Plans
Business Insurance Solutions
Details
- Year established: 1983
Highlights and features
- We have over 38 years of experience in employee benefits consulting
- Our team provides personalized help desk support for employee claims
- We maintain strategic alliances with 38+ insurance carriers
- Our service includes detailed carrier performance analysis
- We offer comprehensive administrative liaison services for employers
What people say
Fabulous service
Saved me hundreds
High level of customer service
Knowledge and commitment
Attention to detail
Services
Benefit Consultation
We conduct comprehensive market analysis to identify optimal health, dental, and disability plans. Our consultation includes carrier performance evaluation and pre-existing condition policy analysis. Our expertise ensures employers receive tailored solutions balancing budget constraints with employee needs.
Employee Help Desk
Our dedicated help desk advocates for employees during claims processing. We provide direct assistance with claim questions and ensure maximum benefit payments. This service reduces employer administrative burdens while improving employee satisfaction with their benefits.
Health Savings Accounts
We implement customized health savings account solutions that combine high-deductible health plans with tax-advantaged savings. Our approach helps employers control costs while providing employees with financial flexibility for medical expenses.
Flexible Spending Accounts
Our flexible spending account programs allow employees to set aside pre-tax dollars for medical expenses. We handle plan administration and compliance requirements, making it easy for employers to offer this valuable benefit.
Business Insurance Solutions
Through our affiliation with the Lighthouse Group, we offer comprehensive business insurance products across Michigan. Our solutions include property, casualty, and liability coverage tailored to specific industry needs.
People
David W. Morgenstern
Owner
With over 40 years in insurance, David founded Associated Insurance Design in 1983. He holds a BBA from University of Wisconsin-Whitewater and maintains key producer status with major carriers. His expertise in employee benefits has earned industry recognition and long-term client relationships.
Questions
What employee benefits services do you offer?
We provide benefit consultation, implementation, and administrative services including health savings accounts, flexible spending accounts, and fully-insured/self-insured plans.
How do you help businesses with insurance selection?
We analyze 38+ carriers to find optimal plans, evaluating claim processing capabilities and fee schedules to match employer budgets with employee needs.
Do you serve businesses outside West Michigan?
While our focus is West Michigan, our affiliation with the Lighthouse Group allows us to provide insurance solutions across the state.
How do you handle employee claims assistance?
Our dedicated help desk advocates for employees, answering claims questions and ensuring maximum benefit payments through their insurance plans.
What industries do you specialize in?
We work with diverse businesses across Michigan, tailoring solutions for industries including manufacturing, healthcare, and professional services.
