Brokers
How We Pull it Together

Quantum Benefits will help you every step of the way. We’ll consult with you on designing the right plan for your needs, work with you to complete your enrollment, and provide ongoing service that will surpass your expectations. Our objective is to deliver value to our clients and simplify the process.

The product lifecycle can be divided into three distinct segments: Pre-Sale Communication; Sales & Enrollment; Administration & Service.

Pre-Sale Communications
The greatest marketing challenge today in the sale of LTCI is bridging the education gap for the consumer, in this case, employee. It is critical that employees are the beneficiaries of advanced communication, messages in multiple mediums delivered prior to enrollment opportunities. Through education employees will begin to move down the product continuum, enhancing their awareness and becoming more prepared consumers.

The key factor is working with the Group Benefits Administrator to develop a customized marketing plan for employees, which will be based on specific client demographics, geography and other variables specific to that group.

Quantum has created a broad array of collateral and messages to work with employers in communicating the features and benefits of LTCI.

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Sales & Enrollment
A successful group enrollment for LTCI begins with pre-sale communications; however, the ability to execute on personalized communications allows for the greatest education, and in turn, penetration.

Member Call Center
Employees can access dedicated LTCI analysts at a Member Call Center. These analysts are available to offer counsel and guidance on both general and specific issues, from carrier questions through product information. The call center is open Monday-Friday, 8AM-7PM EST. The call center has an average speed to answer of 10 seconds, and a call abandonment rate of less than 1%.

Face-to-Face Personalized Communications
QFP has a vast network of experienced and professional producers throughout the country to effectively and efficiently support the most critical phase in the purchase process. Producers are available to support health fairs, seminars, and of course the enrollment process.

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Administration & Service
A dedicated service team is the frontline for quality assurance of administration. Case managers are responsible for ensuring excellence in service to clients, as well as compliance with carrier standards.

Administration includes:

• Receipt of member LTCI applications and initial premium
• Confirmation of document criteria
• Communication and retrieval of missing documents/information
• Delivery of final application to carrier
• Case underwriting
• Delivery of policy to employee

Processing experts analyze, scrub and work with the producer or Relationship Manager to complete every application to ensure accuracy and expedite quote turn-around time.

Following the sale, the service team is available to help employees through the claims process, when necessary.

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