Disability and Life Consulting

Trion's absence, disability and life Specialty Practice exists to meet the unique and intensive needs of large employers.

Trion's staff comprises the skills of leading actuaries, underwriters, consultants, lawyers, financial analysts and administrators who have collectively met the needs of over 150 Fortune 500 employers. We serve regional, national and international employers that span the spectrum of public and private organizations. Vertical experience includes technology, healthcare, retail, energy, construction, communication, financial, transportation, pharmaceutical, manufacturing, and academia. Understanding your industry and its history inspires us to create customized solutions that will help you achieve your unique objectives.

Capitalize on What Works

Trion's innovative Specialty Practice achieves optimum results by capitalizing on a simple fact:

Consultants, brokers and insurers each possess skills relevant to the effective analysis and purchasing of absence, disability and life programs. Trion actively integrates the strengths of all three to help you:

• Reduce costs
• Meet the needs of your employees
• Simplify plan management

Targeted Expertise

Our Specialty Practice supports:

Absence, Disability and Integrated Health and Productivity Plans

• Short-term Disability, PTO, FMLA, Salary Continuance and
  Casual Absence
• Long-term Disability
• Absence Management
• Integrated Health and Productivity Management

Group Life


• Traditional Programs
• Executive Carve-Out
• Universal Life and Variable UL

Group Accident


• Business Travel Accident
• AD&D
• Travel Assistance
• International

Voluntary Benefits

Executive Benefits


• Life
• Disability
• Investment

International Benefits


• Multi-national Pooling
• Expatriate Plans
• Non-U.S. Domestic Programs

Pay for Performance

Specialty practice clients typically challenge us to earn our compensation by achieving agreed-upon objectives. We don't get paid if we don't perform. This compels us to dig deeper and work harder because we are fully at risk for results.

We welcome the opportunity to link compensation directly to performance and are committed to accountability and creating value for our clients.

No-Cost Analysis: Trion will provide financial, strategic and tactical recommendations for your programs at no cost.

Due Diligence Opportunity Survey: You'll leverage our expertise and marketplace knowledge to discover financial, design, funding, contractual and administrative opportunities that will help you achieve your objectives.

Strategic Action Plan: We'll help you define and communicate strategic plans that support your cultural and fiscal initiatives.

Comprehensive Support: Our Specialty Practice teams will work hard to make your time more productive.

Our Process Creates Results

• Rigorous technical analysis identifies ways to reduce costs and enhance your programs.
• The aggregated purchasing strength of hundreds of employers magnifies your buying power and reduces the cost of insurance.
• Responsive ongoing support minimizes demands on your staff and maximizes the effectiveness of carrier and administrator service.
• Dynamic utilization reports provided throughout the year help you identify adverse trends and strategically manage your programs.

Comprehensive Specialty Practice Services Include:


• Strategic Planning and Financial Analysis
• Renewal Management
• Reserve Analysis and Risk Transference Strategies
• Predictive Modeling and Benchmarking
• Insurance Purchasing
• Implementation Management
• Utilization Analysis and Claim Audits
• Vendor Monitoring and Management
• Ongoing Administrative Support
• Regulatory Compliance
• Employee and Executive Communication