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More Than Just Benefits
We are a Full Service Employee Benefits Firm That Understands, Designs, and Delivers Innovative and Affordable Benefits Solutions Allowing our Clients to Better Manage Their Risks.

Insurance Types Individual & Family Insurance Group Insurance/Employee Benefits Business Insurance Senior, Medicare  & Supplemental Insurance Life, Disability & Long- Term Care Insurance
 Our Company

Welcome to Century Total Insurance Agency! Our world, our risks, our demands and our regulations are changing rapidly.  Confidence and success is achieved by anticipating your future needs and risks. Century Total Insurance Agency is here to anticipate your future needs and your risk tolerance.  Our firm works with Businesses of all sizes to help design and deliver innovative and affordable benefit solutions. Our firm has perfected the services you would expect from large benefit consulting firms and we are able to bring those services to small and mid-sized employers who demand the best from their consulting partners.  We have invested our time and resources in bringing key experts to handle areas of specialty such as compliance, ACA Compliance, 6056 Filings, employee communication, underwriting, retirement plan designs, payroll, Cafeteria plans, 5500 filings, COBRA services and HR Consulting Services. Century Total provides specialized and unparalleled 360 service to our clients.
  

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 Free California Health Exchange Quote
           

We provide specialized and unparalleled 360 service to our clients and we deliver the following services and more:

 

·        Health plan design and procurement of plans by providing a thorough review of our client’s present benefits, premiums and comparing their needs to benefits structures (including premiums, provider lists, pharmacy requirements) offered by other carriers.  At every renewal we take over the negotiations for benefits and premiums on behalf of our clients with the carriers and closely monitor and direct the underwriting. 

·        Plan analytics

·        Open Enrollment and Employee Renewal meetings- Once the review process is completed our office prepares and provides each employer with completed Open Enrollment kits which include Memos and thorough explanation of benefits, premiums  and required notices to all employees.  Century Total coordinates, attends and leads all Open Enrollment meetings and lead the collection and review of employer and employee application and change requests. 

·        Continual Employee Education throughout the year for new hires and New Hire Enrollments- Throughout the year our office assists with all employee/dependent enrollments, terminations, COBRA notification, changes.

·        Continued Claims and Benefits support- We insist on being the liaison for all benefits question (including plan explanation and claims issues) for all our employers and their employees in an effort to allow our busy employers and their HR department to focus on other issues. In addition, we undertake the responsibility of assisting each employees with any Claims issue or benefits questions that may arise in order to shield the HR department from involving itself in the employee’s Protected Health Information.

·        Health care reform and compliance consulting including discussions regarding any common ownership issues that may arise.  

·        Form 5500 Filing Assistance.

·        SPD for Health and Welfare plans.  Our firm retains a third party specialist to prepare an updated compliant SPD for the group’s Health and Welfare benefits. 

·        Employee communications and enrollment.

·        Benefits administration and HR assistance- Our firm incurs the cost of the implementing required POP 125 plans; COBRA administrative services and we provide all our employers with a comprehensive third party HR service.

 

         
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 Health Care Reform

Healthcare Reform (Affordable Care Act-ACA) is in full swing now, with many of the major of the major provisions in place.  Under the Affordable Care Act, Healthcare Reform presents you with the opportunity to re-examine you health care strategy and keep your organization ahead of the curve.

To make the right decisions, you will need to know the following about your business and we can assists with that analysis:

· How does the ACA impact my decision of whether to offer coverage?
· Is my Business considered large or small under the ACA?
· Do I have common ownership with any other companies?
·What employer requirements do I need to be concerned with?
·What are the costs associated with the ACA?
·Do I need to complete a 6056 form? If so, how do I do so??

Please contact our firm and ask our specialist to walk you through the analysis of business.

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 Free SHOP and California Exchange Quote

Allow our firm to find you the right individual coverage with the best insurance company at the most competitive premium.  Century Total Insurance Agency will provide you with comparisons of all individual plans and premiums for all PPO and HMO policy designs.  We will also spend the time you need to discuss which plan best suits your budget and lifestyle.

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 Property and Casualty Services

Defending against liability insurance claims can be costly.  Allow Century Total Insurance to review and assist you with the most cost effective way to protect your business against claims.  Our firm specializes in innovative solutions to help keep you business making money even in the event of a claim or lawsuit.

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  Mailing Address
11835 West Olympic Blvd.,
Suite 775
LA, CA 90064
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