Zimo is an employee benefits brokerage and consulting firm that specializes in disability and long-term care insurance. We partner with our clients to design, implement, and optimize benefit programs that help employees protect their income and assets. We have deep experience working with public and private companies across a diverse set of industries, from small businesses to large health systems and the Fortune 500.
Services
We handle every aspect of an IDI program, and all of our services come at no cost to the employer.
Technical Expertise
• Analysis of existing benefit plans
• Market trends and benchmarking data
• Program design based on company objectives
• Request for Proposal (RFP) and carrier negotiation
• Implementation and project timeline management
Enrollment Experience
• Tailored communication strategy aligned with company culture
• Customized materials (e.g., emails, videos, and personalized kits)
• Standalone website developed exclusively for individual disability
• Phone support provided by licensed, non-commissioned consultants
• Special handling for executive management and senior leadership teams
Dedicated Administration
• Billing support
• Claims navigation
• Portability assistance
• Annual review for existing policyholders
• Annual enrollment opportunity for new hires
We have a broker for our other employee benefits. Why work with Zimo for our IDI program?
Most employee benefits brokers are generalists. They offer a wide range of products and services from medical insurance to retirement plans, HR technology, and leave administration to name a few.
We are specialists. In a complex and ever-changing world, we focus on doing ONE thing well; and it shows in the quality of our work. We invest 100% of our time and resources in this single area, which allows us to consistently deliver best-in-class solutions while constantly finding ways to improve.
We have a Long Term Disability (LTD) plan. Why should we consider an IDI program?
Long Term Disability (LTD) plans provide an important foundation but typically leave a company's executives and highly compensated employees with a gap in coverage.
• Most LTD plans only replace 60% of base salary
• Most LTD plans do not replace bonus or incentive earnings
• Most LTD plans have maximums that limit monthly benefit payments
An individual policy supplements a company's LTD plan to increase the overall level of long-term disability coverage.
IDI benefits are usually tax-free, and coverage is fully portable upon the termination of employment.
Our executives and highly compensated employees have financial advisors. Can't they just get IDI through them?
Accessing individual disability coverage without the buying power of an employer can be difficult and expensive. An application for IDI typically requires attending physician statements, personal health interviews, and a full medical exam.
A company-sponsored program allows employees to bypass the medical underwriting process and get coverage at a substantial discount.
Most large employers offer IDI as a voluntary, payroll-deducted benefit that comes at no cost to the company.
Technical Expertise
• Analysis of existing benefit plans
• Market trends and benchmarking data
• Program design based on company objectives
• Request for Proposal (RFP) and carrier negotiation
• Implementation and project timeline management
Employment Experience
• Tailored communication strategy aligned with company culture
• Customized materials including emails, videos, and paper packets
• Enrollment website developed for each employee’s personal options
• One-on-one consultations provided by licensed and salaried call center
• Special handling for executive management and senior leadership team
Ongoing Administration
• Billing support
• Claims navigation
• Portability assistance
• Annual enrollment event for new hires
• Annual review for existing policyholders
