We believe clarity and independence matter. We operate as an unbiased partner, focused on accuracy, transparency, and protecting your plan dollars. Our role is to manage the process, safeguard your data, and clearly define responsibilities so employers always know what to expect.

How We Operate

    • We operate as an independent firm.

    • We are not owned, controlled, or influenced by insurance carriers or stop-loss providers unless otherwise disclosed.

    • Any compensation relationships are disclosed in accordance with applicable regulations.

    • We perform independent reviews of specific and aggregate stop-loss claims using documentation provided by employers, TPAs, and carriers.

    • We do not adjudicate claims, determine eligibility, or issue reimbursements.

    • We are not a stop-loss carrier, reinsurer, or third-party administrator (TPA).

    • Identified discrepancies, errors, or recovery opportunities are submitted for carrier review.

    • Recoveries or reimbursements are not guaranteed and remain subject to carrier determination and policy terms.

    • We provide end-to-end employee benefits management, including market access, coverage placement, and ongoing plan support.

    • We are not providing legal, tax, or actuarial advice.

    • Coverage availability, pricing, underwriting, and approvals are determined solely by insurance carriers.

      Final plan selections and decisions remain with the employer.

    • We facilitate, manage, and support the process. We do not dictate outcomes.

    • Elite Stop Loss Solutions does not act as an ERISA fiduciary.

    • No fiduciary responsibility is assumed unless explicitly agreed to in writing.

      Our services are administrative, analytical, and support-based in nature.

    • Our reviews rely on data and documentation provided by clients, TPAs, carriers, and vendors.

    • We are not responsible for errors, omissions, or inaccuracies in source data.

    • Findings and recommendations are based solely on information made available at the time of review.

    • Information provided by Elite Stop Loss Solutions is not legal, tax, or actuarial advice.

    • Clients should consult their own professional advisors for regulatory, legal, or tax matters.

    • Client information is treated as confidential and used solely for service delivery.

    • We maintain administrative safeguards consistent with applicable privacy and security standards, including HIPAA where applicable.