Benefits Captive Consultant

Job Description

Job Description

We are seeking a knowledgeable and client-focused Benefits Captive Consultant with expertise in stop-loss insurance to support the design, implementation, and management of employee benefits captives. This role involves advising employers and brokers on alternative risk financing strategies, optimizing stop-loss arrangements, and ensuring compliance with regulatory and operational standards.

Key Responsibilities :

• Advise employers and benefits brokers on the feasibility, structure, and implementation of stop-loss captives for self-funded employee health plans.
• Conduct financial modeling and risk analysis to evaluate the potential cost savings and risk mitigation benefits of captive participation.
• Collaborate with actuaries, underwriters, and legal advisors to maintain effective stop-loss layers and reinsurance arrangements.
• Monitor captive performance, analyze claims trends, and provide strategic recommendations to optimize funding and retention strategies.
• Facilitate ongoing client education and engagement, including board presentations, annual reviews, and strategic planning sessions.
• Stay current on healthcare trends, regulatory developments (e.g., ERISA, ACA), and innovations in the stop-loss and benefits captive space.
• Support group captive programs by managing member selection, onboarding, renewals, and communication between stakeholders.

Qualifications :

About Cottingham & Butler :

At Cottingham & Butler, we sell a promise to help our clients through life's toughest moments. To deliver on that promise, we aim to hire, train, and grow the best professionals in the industry. We look for people with an insatiable desire to succeed, are committed to growing, and thrive on challenges. Our culture is guided by the theme of "better every day" constantly pushing ourselves to be better than yesterday – that's who we are and what we believe in.

As an organization, we are tremendously optimistic about the future and have incredibly high expectations for our people and our performance. Our ability to grow as a company, fuels investments in new resources to better serve our clients and provide the amazing career opportunities our employees want and deserve. This is why we are a growth company and why we are committed to being better every day.

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