Life Insurance Health

TERESA L. FREEMAN

*** ****** ***** . *********, ******* 30252 . 404-***-**** .

*******@****.***

Health and Welfare Specialist/Communications and Marketing Executive

Accomplished Consultant with 9 years of financial group underwriting

experience and an additional 13 years as a Health and Welfare

Consultant/Strategic Marketing and Communications Director. Results

oriented, decisive leader with experience in driving strategies and program

developments to improve the overall success of the Organization, while

managing a staff of Associates.

Professional Experience:

Lockton Companies, Atlanta, GA

June, 2008 - June, 2009

Health and Welfare Consultant / Vice President

Palmer & Cay, Inc. / Wachovia Insurance Services, Atlanta, GA

October, 2000 - May, 2008

Health and Welfare Consultant / Partner and National Communications

Practice Leader

William M. Mercer, Atlanta, GA

February, 1995 - October, 2000

Health and Welfare Consultant / Principal Partner

Confederation Life Insurance, Atlanta, GA

January, 1986 - February, 1995

Senior Group Underwriting Analyst

Summary of Experience:

As a Senior Group Underwriting Analyst for nine years, I provided accurate

and timely delivery of all group program account renewals and strategies

for all prospective and alternative financial arrangement accounts which

were consistent with corporate directions and financial goals. While

providing technical direction on bids and formal Request for Proposals, I

was also responsible for making adjustments in formula rates and

recommendations for rate adjustments, including negotiating account

renewals with Sales Representatives and supporting their efforts with

clients. I also trained new hires within the Underwriting Department and

assumed a lead role and direct involvement in department projects,

including new product introductions, rating methodologies, and systems

support.

While employed as a Health and Welfare Consultant for more than 13 years, I

assisted clients in the overall management of their health and welfare

programs, including the entire marketing efforts, carrier selection,

financial negotiations, communication needs and renewal processes for all

group products. I also developed and implemented internal controls,

processes, systems and procedures, while allocating resources, assigning

daily case loads, led department meetings, educational workshops and

trained HR specialists to conduct annual enrollment meetings, as well as

managing a staff of Associates.

As the Communications Practice Leader, I consulted with clients to provide

customized employee benefit communication material for annual enrollments

(online enrollment, brochures, home mailings, DVDs, enrollment guides,

etc), ongoing wellness programs, monthly newsletters, online employee

surveys, led employee focus groups and provided communication expertise on

a variety of subject areas including: all health and welfare benefit

programs, change management, complex communication plans, internal

branding, program launches, and mergers/acquisitions. As part of the

vendor management process, I was responsible for the negotiation of annual

rates, design and implementation of new/revised programs, coordination of

all HRIS/payroll systems updates, ongoing monthly vendor bill audits and

vendor payments, and the ongoing administration of all group programs

(domestic and international), while managing a team of Associates who

assisted employees with questions and vendor issues to insure that all

aspects of the health and welfare programs added quality and value which

resulted in increased consumerism and program knowledge.

continued

TERESA FREEMAN . Page 2

Areas of expertise:

. Extensive knowledge in Medical, Dental, LTD, STD, Life Insurance, LTC,

Voluntary Worksite programs, Wellness/EAP programs, FSA, HSA/HRA, Flex

Benefits, International Benefits, Compensation, Executive Programs,

Retirement Programs, HRIS systems, etc.

. Design and development of Employee Communications (Web Design, Annual

Enrollment, Brochures, Guides, Newsletters, Wellness Programs, etc.),

Total Compensation Statements, Electronic and Printed Surveys, and

Focus Group meetings.

. Compliance Assistance with COBRA, HIPAA, FMLA, ERISA, Regulatory

Compliance updates, etc.

. Vendor contract negotiations and analysis, including review of Summary

Plan Descriptions for benefit accuracy and compliance, financial

analysis (renewal and ongoing), etc.

. Detailed Claims analysis and reporting, including identification of

clinical, pharmacy and lifestyle cost-drivers, while working with the

vendor to identify cost savings throughout the programs.

. Conduct renewal negotiations, market studies, vendor selection and

negotiations, while managing vendor relationships and assisting

employees with questions and vendor issues.

. Provide data information relative to marketplace trends and

benchmarking purposes for comparative analyses.

. Managed departmental marketing budgets and allocations.

. Developed marketing strategies and impact studies to support our

client's and Organization's annual and long-term plans.

. Extensive Project Management experience ranging from converting IT/HR

systems and databases for clients to internal business processes and

controls to achieve maximum profitability and client goals.

Historical Clients: State of Georgia, State of Tennessee, Interface,

Vieola Waste Management, Delta Airlines, School Board of Broward County,

John Harland, PGA Tour, Wachovia, etc.

Software Expertise:

. Access

. Excel

. FrontPage

. MS Project

. Outlook

. Photoshop

. PowerPoint

. Publisher

. Quark

. SharePoint

. Word

. Zywave

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