Employee Benefits Solutions for Senior Living Organizations

Senior living, assisted living, and aging services organizations operate in one of the most complex employment environments today. High turnover, 24/7 staffing demands, rising healthcare costs, and increasing regulatory oversight place constant pressure on HR teams and executive leadership.

Innovative Benefit Planning is a senior living employee benefits broker serving organizations across New Jersey, Pennsylvania, New York, Delaware, and Maryland. We help aging services employers design sustainable benefit programs that control costs, improve retention, and support the caregivers who make your mission possible.

The Unique Challenges Facing Senior Living Employers

Persistent caregiver shortages and high turnover
Burnout in physically and emotionally demanding roles
Shift-based and multi-location workforce
Rising medical and pharmacy utilization
Wage pressure combined with thin operating margins
Complex compliance requirements across multiple states
Limited internal HR resources supporting large frontline teams

Senior living organizations consistently experience some of the highest employee turnover rates across all industries, making retention-focused benefit strategies essential.

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“We have been dealing with Innovative Benefit Planning for many, many years. They have given us nothing but exceptional service. We can pick up the phone or email them and they always resolve our questions and take care of our employees insurance issues in a very timely manner. They negotiate our insurance rates every year and have managed to reduce the increase every year.”

Jeffery L.
“Innovative truly is a partner with me to make sure our team members have the best benefits and service around their benefits that we can offer. Innovative’s team is responsive, professional and resourceful. One of my favorite things about Innovative is the way they partner with their clients to keep us informed and compliant, in many areas of our business, even beyond the areas they support us in.”

Tracy W.
“Innovative is always present even when open enrollment ends, their year round communication reminds me that I can always reach out for help at any time. Their professionalism is the utmost one can expect.”

Marlene G.
“Their level of commitment just keeps getting better each year. They have more than met our expectations on renewal negotiations, response time, assistance with ongoing plans, open enrollment material, meetings, support, bill auditing, and wellness programs.”

Carrol B.
“One of my favorite things about Innovative is the way they partner with their clients to keep us informed and compliant, in many areas of our business, even beyond the areas they support us in.”

Tracy W.

Employee Benefits for Senior Living Organizations

Health & Welfare Benefits Designed for Caregiver Workforces

We help assisted living and senior care organizations optimize:

Medical, dental, and vision plans that balance access and affordability
Network strategies that support frontline caregivers
Prescription drug programs that reduce high-cost utilization
Disability and income protection for physically demanding roles
Voluntary benefits that supplement wages without increasing employer cost

Our approach ensures benefits are understood, utilized, and valued by employees working across all shifts.

Funding Strategies Aligned with Staffing Realities

Staffing levels and census fluctuate in senior living conditions. Your benefits strategy should account for that.

We evaluate and support:

Fully insured, level-funded, and self-funded plan options
Stop-loss strategies tailored to high-utilization populations
ICHRA and alternative funding models where appropriate
Multi-year forecasting to support budget planning

We help leadership teams understand the financial impact of benefit decisions — before renewal season arrives.

How Innovative Benefit Planning Supports Senior Living Employers

We go beyond traditional brokerage to serve as a strategic partner to HR, finance, and executive leadership.

Strategic Benefits Consulting & Renewal Management

Our team delivers proactive, data-driven benefits consulting, including:

Annual and multi-year benefits strategy development
Industry benchmarking through national UBA data
Carrier and vendor negotiations
Cost-driver analysis and plan redesign recommendations
Clear reporting for leadership and boards

You gain insight, transparency, and confidence in every benefits decision.

Employee Advocacy Through Benefit Guardian

Senior living employees often delay care or struggle to navigate complex healthcare systems — adding stress to already demanding roles.

Our Benefit Guardian service provides direct employee advocacy, including:

Claims and billing issue resolution
Assistance in finding in-network providers and specialists
Prescription drug support
Enrollment and benefits education
Family support during complex medical situation

This reduces HR interruptions, improves employee satisfaction, and supports workforce retention.

Compliance, Fiduciary Oversight & Risk Management

Senior living employers operate under increasing scrutiny from federal and state regulators. We help protect leadership teams by ensuring benefits compliance and fiduciary best practices.

Our compliance support includes:

ERISA fiduciary guidance and documentation
ACA reporting and penalty avoidance
Consolidated Appropriations Act (CAA) transparency requirements
Vendor and TPA contract review
Audit and inquiry readiness
Multi-state compliance considerations across NJ, PA, NY, DE, and MD

We help you stay compliant while reducing administrative burden on your internal team.

Why Senior Living Organizations Choose Innovative

Senior living and aging services organizations choose Innovative Benefit Planning because we understand both the workforce challenges and the financial realities of your industry.