Kitchner & Pierro are proud to be a part of United Benefit Advisors (UBA). A consortium of over 140 independent agencies.
Kitchner & Pierro Company, Inc. was founded in 1975 to provide employee benefit plans and executive financial services to small and mid-sized companies throughout the state of Florida.
The company has been recognized as a leader in the field of employee benefits consulting. The firm has been recognized with top producer awards from Blue Cross/Blue Shield, Guardian, Aetna and other major producers.
We utilize a combination of personal attention and the latest technology to provide our clients with a smooth renewal process and exceptional service, as well as administrative and compliance support.
Our philosophy is simply:
Promises made.....
Promises kept....
BizAssure is a cooperative group of insurance agents, accountants, attorneys and other business professionals who work together to provide many of their services free of charge to qualified employers.
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Kitchner & Pierro Company, Inc. (K&P) was founded in 1975 to provide employee benefit plans and executive financial services to small and mid-sized companies throughout the state of Florida.
Our founders, Mr. A.H. Skip Kitchner and Mr. Richard M. Pierro, are experts in the field of benefit consulting. Mr. Kitchner is a Registered Employee Benefit Consultant (REBC), a Chartered Life Underwriter (CLU) and a Chartered Financial Consultant (ChFC). Mr. Pierro is a Chartered Life Underwriter (CLU), member of the National Association of Insurance and Financial Advisors (NAIFA), Chartered Healthcare Consultant (ChHC), Registered Health Underwriter (RHU) and Chartered Financial Consultant (ChFC). Both are members of several local and national broker advisory committees.
We are recognized leaders in the field of employee benefits consulting. Year after year, our firm has been recognized with top producer awards from Blue Cross/Blue Shield, Guardian and other major providers.
Our well-trained, friendly staff works hard to keep these promises and to meet your expectations. We are large enough to provide you with a full range of products and services, but small enough to know you by name and respond quickly to your needs.
We keep our promises.
Mr. Rich Pierro
Mr. Skip Kitchner
Administrative Tasks
Personal Account Management
BASIC Guru
BizAssure Log In
Products
Affiliations
Compliance Support
Legislative Updates
Webinars
BASIC Guru is a secure online benefit management system. What's that mean to me, you ask? It means that you and your employees can access all of your critical benefit information anytime, anywhere. You don't have to wait for a returned phone call because now you can answer the question on demand. Nothing can replace the attention of Kitchner & Pierro, but an agent with BASIC Guru is going the extra mile to provide exceptional customer service. Don't settle, start expecting the best!
Sign into BASIC Guru
BASIC Guru offers the use of internet technologies within an organization..
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Employee Benefit Statements are an effective human resource tool to communicate the value of employer sponsored benefits.
Your employees can use BASIC Guru to pre-populate and then type in their information to any insurance carrier form for more accuracy.
We invite you to review our demonstration videos showcasing the technology that our agency offers to our clients, their employees or individual clients.
Good customer service is like pie without ice cream. It works, but why would you settle when you can have it a' la mode. The market is saturated with good health insurance agents. They keep your interests top of mind, find you a fair price and even promptly return your phone calls. Those agents are just plain pie when compared to agents who have invested in BASIC Guru - like Kitchner & Pierro.
BASIC Guru is a secure online benefit management system. What's that mean to me, you ask? It means that you and your employees can access all of your critical information anytime, anywhere. You don't have to wait for a returned phone call because you can now answer the question yourself on demand. Nothing can replace an attentive agent, but an agent with BASIC Guru is going the extra mile to provide exceptional customer service. Don't settle, start expecting the best!
Click the film reel to start watching.
Your employees can sign into our secure site to review their benefits, view network options, access their current benefit statement, access any forms or documents you or your agent makes available to the employees 24/7.
Your one stop online resource for employee management and workplace compliance information. These essentials are designed to help you complete your HR responsibilities effectively and efficiently.
Our Promise
Whether you are a new or existing client of K&P, our promise is the same: to design and implement the best possible employee benefit program at the lowest possible cost, to suit your needs and budget.
Our Strategy
Based on years of experience, we have developed an effective strategy to design and implement your benefit program at the lowest possible cost.
Begin exploring how Kitchner and Pierro can assist you in your benefits Renewal Process by clicking on one of the steps below...
The Beginning
We start managing the renewal process at the beginning of the current plan year 365 days in advance. Then 120 days prior to renewal, we re-evaluate your benefit plan design, claims history, industry trends and other factors in preparation for your Request for Proposal (RFP).
Now, that Kitchner and Pierro has completed a comprehensive analysis of your benefit requirements, click on the Request For Proposal box to explore the next step in the Renewal Process...
Request for Proposal (RFP)
Properly preparing and presenting your RFP is critically important because it will generate your initial premium offer. The underwriters will make an offer based on the contents of your RFP and their interpretation of it.
We know how to prepare and present attractive RFPs because we understand the underwriting process. Our efforts usually result in a lower initial premium offer. If the initial offer is not palatable, we have plenty of time to evaluate your alternatives because we start sooner.
Now that the RFP is complete, Kitchner and Pierro will evaluate all of the alternatives available to you to get you the best benefits program for your money. Click on the Evaluate Alternatives step to continue...
Evaluate Alternatives
If we are unable to generate an attractive offer from your existing provider, we will evaluate your alternatives and discuss them with you. We can analyze your benefit design and contribution strategy to see if changes can be made, or we can request proposals from other carriers for an identical benefit program.
At this point, Kitchner and Pierro has performed all of the research and taken the guesswork out of the Renewal Process. You should have all of the information you need to make an informed benefits decision.
If you are one of our larger clients and are interested in the benefits of Self-Funded Plans, Kitchner and Pierro can assist help you make the correct decision here as well. Click the Self-Funded Plans box if you are interested in what K&P can do for you...
Self-Funded Plans
Full or partial self-funding is an option for many of our larger clients. The ability to improve cash flow, hold onto retention monies and lower administrative costs are several reasons why many people find this option attractive. Our service includes an examination of third-party administration and reinsurance contracts.
BizAssure is a cooperative group of insurance
agents, accountants, attorneys and other
business professionals who work together to
provide many of their services free of charge
to qualified employers. If your business is
insured through a BizAssure member
insurance agency, you can obtain business
advice from attorneys, accountants, and
business consultants right when you need it,
right over the phone. Specific training
programs and seminars are also available. All
to help you run your business successfully
and competitively.
Click on How Does Your Program Check Out to learn more about what Kitchner & Pierro can offer to your business!
Ho does your program check out.pdf
KP Magazine Article.pdf
5550 26th Street West
Suite 7
Bradenton, Fl 34207-3514
(941) 753-3053
(866) 768-4015
(941) 753-3179 - F
You can use the contact tool below to reach our general mail box. One of our staff will contact you within 1 business day.
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Basic Guru offers the use of internet technologies
within an organization to achieve better results than the conventional means of data access and transfer. Basic guru will help in cutting costs, easy
and offer fast accessibility of day to day information.
Guru Intranet KP.pdf
What Benefits
Studies show that employers spend an average of 40% of payroll costs on benefits, yet most employees have no idea what benefits they receive and how much those benefits are worth.
Statements
Employee benefit statements are an effective human resource tool to communicate the value of oemployer sponsored benefits. Using customized, individual benefit statements, employees can better understand the financial committment their employer has made in them.
Benefit Statement Example 2011.pdf
If you are not our client, but still want to have benefit Statements for your employees, click the link below for more information
rich_kpins.com
Benefit Statement Brochure KP.pdf
BASIC Guru offers you the ability to perform Transactional Onboarding, which is another way of saying new hire paper management. The idea of Transactional Onboarding is to automate as much of the initial paperwork that a new employee must complete when hired as possible. By Using BASIC Guru you will see reduced costs when hiring new employees.
Your company will use less paper, and printing as well as a reduction in copying of documents. You will not have to worry about shipping forms or faxing forms to another location, they can be stored long term in BASIC Guru. You can add in your own required corporate forms to the Resource Library within BASIC Guru for new hires to fill out on day one.
Onboarding KP.pdf
Skip Kitchner has an extensive background in the insurance industry. He holds several designations. The designations include; Chartered Life Underwriter (CLU) degree from American College, member of the National Association of Insurance and Financial Advisors (NAIFA), the Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Chartered Financial Consultant (ChFC) and designations from the American College in Bryn Mawr, PA.
Skip is also active on several insurance company advisory boards including Blue Cross Blue Shield. On the local level, Skip is also involved. His involvement includes, Tidwell Hospice where he was past chair and trustee emeritus, other charitable organizations are Manasota ARC, Manasota Lighthouse for the Blind, and Just for Girls.
Skip is married to Vicki and has one son named Tad, and a very intelligent grand daughter named Jane.
You can reach Skip at kitchner_kpins.com
Rich has been working in the insurance business for over twenty-five years. He has been a partner in Kitchner and Pierro for over twenty years. He holds several designations. The designations include; Chartered Life Underwriter (CLU) degree from American College, member of the National Association of Insurance and Financial Advisors (NAIFA), Chartered Healthcare Consultant (ChHC), Registered Health Underwriter (RHU) and Chartered Financial Consultant (ChFC).
Rich continues to keep up with the insurance industry by attending seminars to better serve our clients.
Rich is a third generation Floridian who is married to his beautiful wife Cindy with two children Eric and Paige. He is very active in the community. He has served as the Chairman for the Manatee Chamber of Commerce. He also serves on several boards. He is Chairman for the Manatee County Housing Finance Authority; he sits on the Finance Committee for St. Peter & Paul.
Rich's goal is to offer his clients the best possible knowledge and service for the years to come.
You can reach Rich at rich_kpins.com
ChFC, ChHC, CLU, RHU
Our friendly and efficient staff, under the direction of your Personal Account Manager, will help you take care of everyday administrative tasks. We will process new hires, terminations, changes in beneficiary or dependent status and resolve billing or claims issues.
We also have a professional HR consultant on staff who is available to help you and/or your Personal Account Manager as needed.
Employees are also welcome to call us directly if they are unable to resolve their problems or issues with the insurance provider.
Now that the first puzzle piece is in place, click the next piece to the Administrative Support puzzle to see how having a Personal Account Manager takes the head aches out of benefits administration.
Personal Account Manager
You'll only have to make one phone call to get accurate information and the help you need.
In order to provide you with unparalleled administrative, communication and compliance support, we will assign you a Personal Account Manager.
This person is your liaison with the insurance carrier and us. He/she is responsible for coordinating all of your service, administration, communication and compliance needs, including the review and updating of your Employee Benefit Handbook as needed.
Your Personal Account Manager is a very important piece to the Administrative Support puzzle. But, your employees need to be kept up-to-date on changes to their benefits plan.
The high cost of administration pales in comparison to the high cost of not being in compliance. Massive fines levied by COBRA, FMLA, HIPAA, ERISA and DOL have hurt many unsuspecting companies.
We promise to help you stay in compliance by notifying you of pertinent legislative updates.* We have a professional HR consultant on staff who can assist you with compliance issues as well, usually at no charge.
His expertise is also available on a fee-for-service basis for tasks such as drafting or reviewing employee handbooks. If necessary, we will refer you to outside consultants from our large network of experts.
We monitor the ever-changing rules and regulations by subscribing to several trustworthy publications. If a change occurs that affects you, we will promptly send you a summary of the main points.
We suggest that you review these legislative changes with your attorney before taking any action.*
* Kitchner & Pierro Company, Inc. is not rendering legal advice.
We strongly urge you to consult your attorney.
We are independent insurance brokers and are licensed to do business with several high-quality carriers. After a thorough analysis of your needs and budget, we will recommend a group of products to best suit your needs.
Kitchner and Pierro Company, Inc. is proud to be affiliatied with the following companies
Memberships
Kitchner and Pierro Company, Inc. is proud to be a member of the folowing organizations
Human Resources
There is a high cost to a client that is not in compliance with the many changing facets of legislative law today. That is why Kitchner and Pierro have exclusive benefits available to our clients to help them navigate the maze of legal and administrative requirements in today’s workplace.
From COBRA, FMLA, HIPPA, ERISA and the new Affordable Care Act; Kitchner and Pierro promise to help you stay in compliance. We offer you unlimited consultations to our business partners.
1. Business Law Attorneys
2. Labor Law Attorneys
3. Claim Consultants
4. Human Resource Consultants
5. IT Consultants
6. Accountants
All this and more from Kitchner and Pierro to our valued clients.
Updates
Reform Compliance
For most health plans, several benefits mandates took effect beginning after September 22, 2010 (January 1, 2011 for calendar year plans), including the following:
Click here for the Health Care Reform PPACA Document
Click here for Recent Updates
Further information can be found at the follow web addresses.
http://www.dol.gov/
http://www.hhs.gov/
http://www.medicare.gov/
http://www.irs.gov/
http://www.healthcare.gov/
http://www.naic.org/
Recent Updates
Preventative Services
Under the new Health Care Reform Law Preventive Services are covered at 100% without being subject to a deductible or co-pay! You can get checkups, screenings, vaccines and much more with no out of pocket costs to you!
It is never too late to establish a healthy lifestyle and it begins with this important addition to your health insurance.
Covered Preventive Screenings for Adults include:
1. Physical exam including, health history, blood pressure, height and weight, BMI, and cholesterol screenings.
2. For Men: Prostate screenings. Women: Mammograms, PAP smear.
3. Immunizations recommended at various ages
Please note that the visits are for preventive services. When you make your appointment make sure your physician knows that it is a preventive visit. If you get services that are part of a visit to diagnose, monitor or treat an illness or injury then deductible, and/or co-pays will apply.
For more information on what is part of the new preventive care guidelines please see the attached carrier flyer that can be shared with your employees.
Human Resource Updates
On May 16th U.S. Citizenship and Immigration Services announced a final rule that prohibits employers accepting expired documents and revises the list of acceptable documents for the I-9.
· On May 24th final regulations updating the Americans with Disabilities Act (ADA) scale back several parts of the law. These will the definition of disability.
· On June 1st The Florida minimum wage will increase to $7.31 per hour. Employers of tipped employees who meet eligibility requirements for the tip credit under the FLSA, may count tips actually received as wages under the Florida minimum wage. However, the employer must pay tipped employees a direct wage.
We at Kitchner and Pierro want to make you aware of these upcoming changes. If you have questions regarding this please refer them to our Human Resource specialist Ron Hamilton at 941-351-5502. Ron can help you with the accepted documents for the I-9, new mandatory posters for the minimum wage and can help you with an understanding of the final rules of the ADA.
United Benefit Advisors
Kitchner & Pierro have joined United Benefit Advisors, UBA. This is an alliance of more than 140 independent benefit advisory firms that share a passion for perfection and a personal commitment to quality. We collectively shared our knowledge with busy employers who want assurance that they are making informed choices in a complex and rapidly changing employee benefit marketplace.
"Shared Wisdom. Powerful Results".
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