Employee Benefits

For more than 25 years, Benefit Innovations has collaborated with employers to develop customized benefit strategies to assist with cost management, employee attraction/retention, and administration. As an Independent Agency, Benefit Innovations is licensed to represent every insurance company in the Midwest to give you the best options at the best price.

Benefit Innovations represents over 300 organizations ranging in size from 2 to 1,500 employees.  Our Customers come in all sizes, industries, and locations. 

Group Products





Long-Term Care


Accident, Cancer, 

Critical Illness

Plan Design & Strategy

Fully Insured

Self Funded

Public Sector Cooperatives


HDHP/HSA Consulting


VEBA Design

Claim Management


Cost Containment

Employee Education

1 on 1 Enrollment Services


Group Meetings

Open Enrollment Meetings


Year-Round Seminars


SmarterHSA Education

Administrative Services

Our staff is fully trained and experienced to take on all of your benefit administration needs.

COBRA/MN Continuation

Initial Notice 

Qualifying Event Form 

Election of COBRA/MN Continuation

Eligibility Tracking

6-Month Mandatory Conversion -Notice

Termination Criteria and Implementation

Insurance Carrier Notifications 


Premium Billing, Tracking​

Employer Reimbursement

Plan Administration


Health Savings Account 

Health Reimbursement Account 



Flex Spending Account 


Section 125 Setup 


5500 Form Filings







Summary Plan Descriptions (SPD)

Ongoing Support







Premium Tracking


Billing Reconciliation


Claims Management 


Claims Assistance​


I-9 and W-4 Requirements


Direct Deposit

Let's Talk

Looking for a second opinion on your company's benefits options?

Every Benefit Solution in One Place.

Benefit Innovations

— Serving all of Greater Minnesota —


Get in Touch: Call 1-800-566-3444  or email

Benefit Innovations and Solutions

46 E Broadway
Little Falls, MN 56345

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