Employee benefits quotation comparison checklist

What should you have beside the checklist?

Open the actual quotation, benefit schedule, census version and any special terms for each option. A product brochure can explain the range, but the review must use the selected plan. Name each file clearly so another reviewer can reconstruct the decision.

Agree the employer’s priorities first. For example, straightforward claims access and a particular hospital-cover requirement may matter more than an optional feature. This checklist tracks review completeness; it does not supply arbitrary weights or a universal insurer score.

How should you handle an unanswered question?

Keep it unchecked and write the question in your working notes. Send it to the provider with the relevant quote version and request the supporting schedule or wording. If you need a decision before the answer arrives, record the uncertainty explicitly for the authorised decision maker.

Do not treat silence as confirmation or describe a condition as covered because a different plan from the same insurer offers it. Product names, riders, eligibility and dates must match.

How can the CSV support a decision meeting?

• Use the checked and unresolved items as the agenda.
• Assign an owner and due date to each unresolved question in your own decision record.
• Keep the original quotations alongside the exported checklist.
• Record the final choice and why it meets the agreed priorities.
• Confirm insurer acceptance separately; checklist completion is not evidence of cover.

What does the tool store?

The tool only keeps checkbox selections in the current page. It creates the CSV in your browser and does not send selections or documents to Bene. Reloading clears the selections. No company name, employee record, premium or medical information is requested.

For a repeat review, download the file before leaving and compare it with the new quotation version. Keep the working file within your organisation’s normal document controls.

• Learn how to read the quotation
• Understand the comparison method
• Use the checklist at renewal