Advance Benefit Funding Sources (abfs)

We bring together healthcare strategists, actuaries, underwriters and the clients' existing service providers to deliver a program that embeds predictability into your healthcare and workers' compensation benefits budget.

abfs' Collateralized Healthcare Obligation program offers just that, a solution to "stablize" an employer's benefit costs for three year increments.

The program is a financial and risk management structure that incorporates sophisticated and accurate cost trend modeling technology, cash flow and earnings analysis, actuarial back-testing, and an advanced funding component.

Our program is designed for self-funded employers, both private and public sector, HMO's, PBM's, IPA's, stop-loss carriers, TPA's, brokers and consultants.

Collateralized Healthcare Obligation (CHO) Components

• Analyze historical costs and establish trends
• Use actuarial models to establish and predict costs for a three-year period
• Three year liability pre-funded through a fixed-rate financial instrument
• Moody's "AAA" rated instrument
• Available three year stop-loss policy
• Funds held in a Trust for future obligations
• Client remits level monthly payments to Trust
• Investment income earned inside of Trust