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Health and Benefits

Health and Benefits

Health care and other group benefits are under intense scrutiny as employers face a challenge in keeping employees healthy and productive, a constant rise in health care costs, the advent of private and public exchanges in the U.S., a shift in employee demographics and a rethinking of how benefits fit in the broader total rewards context. The focus is on optimizing both global and local benefit program performance and gaining maximum value from the annual spend for medical, dental and risk (life, accident and disability) programs.

At Willis Towers Watson, we use our deep research and benchmarking tools to provide the strategic context to gauge overall program efficiency, cost effectiveness and value, as well as competitive positioning. Leveraging those insights, we work with you to design the path to achieve and sustain high program performance — based on a framework that identifies key actions, costs, competitive context and change management activities. Also, the strategy is customized for the full range of your employee and retiree populations. We provide the metrics to help you drive improved performance and better results. We stay involved to help you oversee your program, leveraging our market-leading carrier and vendor relationships, from placement of business, to claim handling, to general implementation. For multinationals, we bring all of this to bear in a global context — providing cost-effective advice and coordination, including brokerage services, on both a global and individual country level.

Our services include:

Strategy Oversight and Management (local and global)

  • Absence and disability management
  • Benchmarking, performance measurement and monitoring
  • Benefits administration compliance and governance
  • Brokerage services
  • Dependent eligibility verification services
  • Health and welfare plan administration
  • Health insurance exchange solutions for U.S. employers through OneExchange and multinationals through Global Access
  • Legislative and regulatory compliance support
  • Life insurance consulting and management
  • Local country benefit consulting
  • Pharmacy benefit management consulting
  • Program strategy, design and pricing
  • Vendor evaluation, selection and management
  • Voluntary benefit strategy and delivery
  • Retiree medical benefit strategy
  • U.S. health care reform strategy and compliance

Financial Management

  • Claim, financial and operational audits
  • Development of benefit funding strategies for active employees
  • Forecasting, budgeting and reserve setting
  • Retiree medical benefit funding approaches

Employee Experience

  • Communication and change management
  • Employee education and research
  • Employer-sponsored health centers
  • Health care and condition management
  • Health promotion, wellness and workforce productivity
  • Workforce well-being evaluation

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