Good executive benefits programs depend on compensation policies and practices that are closely aligned with internal goals and objectives
Comprehensive Solutions to Meet Specific Needs
CalmHR provides a comprehensive array of offerings and solutions to meet the specific needs of our clients. We offer large amounts of guaranteed issue life insurance, disability insurance, non-qualified deferred compensation—integrated with other benefit offerings to reduce duplication—and executive medical reimbursement plans, which protects employees from out-of-pocket medical, dental, vision, and hearing expenses.
Reward key employees with executive benefits
Disability benefits to age 70 without a medical exam
More life insurance without a medical exam
Recruitment and retention of key executives
Reduced out-of-pocket expenses with flexible benefit schedules
Enhanced medical plans for as many or as few employees as you choose
Ongoing Awareness and Support
Many executives simply do not understand what their company offers in terms of executive benefits packages. This can lead to dissatisfaction and unnecessary turnover. CalmHR addresses these needs through education via short videos and stories, as well as live surveys with supported responses.
Protect & Reward Key Employees
Executives are often granted generous compensation packages in an increasingly competitive field. Executive Medical Reimbursement protects key employees from out-of-pocket medical, dental, vision, and hearing expenses that are not covered by most company’s regular health care programs.
Beyond Medical Reimbursement
Certain executive medical reimbursement policies provide coverage for expenses that are of high value to top talent, such as brand name prescriptions, extensive dental procedures, corrective vision surgery, and other items you wished your primary plan covered.
Hear From Our Clients
Our firm is not large enough to participate in the group savings that are available to larger employers. Joe Appelbaum has always proactively provided us with innovative ways to save money on our health care plan while continuing to offer our employees comprehensive benefits. The team has educated us on how to greatly reduce costs on our prescription drug plan and has offered suggestions to provide our participants with much needed cost-savings as well.
These experts are extremely responsive and available at any time to answer any questions that may arise. Throughout our relationship, Joseph Appelbaum and his team have taken the time to connect with our firm and truly understand our internal culture.
Our relationship with Joe Appelbaum is a true partnership. Not only does he help us navigate through open enrollment and provide us with excellent benefit options, he also educates us on changes in the health care market and offers assistance with a number of general HR questions. Joe Appelbaum helps save our organization money while improving the benefits options we are able to offer. His diligence in understanding our association and our culture helps me do my job better.
I don’t care about special treatment for myself as the CEO. I love that Potomac treats any requests or issues from my employees exactly as they do from me, with the same care and high-level attention to detail. My expectations are not only met, they are consistently exceeded. Our experience is tailored to what we need, allowing us to keep doing what we need to do for our clients.
I was referred to Joe Appelbaum several times and did not pursue as there was always something else to manage. Finally—twice in one day—my partner and our personal insurance broker referred Joe. It was a sign to connect with Joe at last. I wish I made the call the first time I received the referral. Joe and his team did an unbelievable job of handling the needs of two merging companies. Their analysis cut through the noise of two companies with disparate systems, benefits, and contributions and was executed with a pragmatic and empathetic approach for our employees. Additionally, because Joe and his team found savings for us, we were able to add additional benefits for the firm that all employees welcomed. I cannot thank him and his team enough. Anyone who doesn’t sign on with Joe—don’t be like me, sign up the first time.
Joe and his staff make an annual presentation that have brought great clarity to the ever-changing subject of and available choices in the field of health care. We are satisfied and informed customers and seek to acknowledge Joe and his firm’s professionalism and outstanding hands-on service.
We appreciate Joe and the team’s attention to detail in reviewing plan options upon renewal.
They assist with developing a financial plan in the best interests of the practice and staff. The benefit review meetings with staff are exceptionally helpful and relieve a great deal of my burden when we are up for renewal. At one point, we opted for a plan that ultimately ended up having significant issues around access to care. Joe stepped in and helped us switch to a new plan 4 months into our plan year. Our employees were thrilled and the team really helped us demonstrate we truly have the best interests of our employees in mind.
Joe and his team have been responsive and accountable throughout our relationship. I would definitely recommend their service to other organizations.
Great, hands-on client-focused team! All the staff have been delightful to work with and have made every effort to make sure we have what we need, get questions answered in a timely manner and resolve issues as soon as possible.
Joe and his team have always been ready to assist and resolve. They regularly follow up until an issue is resolved. Issues have been few and far between.
As an organization, we have been very pleased with the service provided. As Director of Benefits, I appreciate the robust offering, level of support, and candor that Joe and his team provide.
Joe Appelbaum and his team is always available, day and night. They deeply care about their clients. We are like family! The team gets right on it and solves any claims issues we have. Joe and team have made a huge impact on our HR team and our organization overall. It’s difficult to name just one person because the entire team is always shining! They have provided consistently excellent client service throughout our entire relationship.
Joe Appelbaum has been wonderful in helping us keep our benefits costs down and offering competitive benefits to our staff. He and his team are terrific at taking the time to understand our benefits needs and then identifying all viable options. Most importantly, they clearly lay out the costs to BOTH employer and employees of different ages and income levels for each option. We have been fortunate to work with Joe for many years, and I would recommend him highly.