Benefits Admin That Works for Construction
Lumber Benefits handles the entire administrative burden so your HR team can focus on scaling your workforce.
One Integrated System. Zero Manual Gaps.
Lumber Benefits sits between your payroll system and your insurance carriers — handling everything in between automatically, with full data traceability at every step.
Enters new hires, terminations, and employment changes in Lumber Core / Payroll
Syncs employee demographic data and wages to Lumber Benefits automatically
Manages enrollment, eligibility, deduction calculations, and compliance
Receive eligibility data —managed by Lumber to ensure accurate transmission and timely employee coverage
Self-enroll via a guided portal — with 24/7 support from Lumber’s Benefits Desk
Enters new hires, terminations, and employment changes in Lumber Core / Payroll
Syncs employee demographic data and wages to Lumber Benefits automatically
Manages enrollment, eligibility, deduction calculations, and compliance
Receive eligibility data —managed by Lumber to ensure accurate transmission and timely employee coverage
Self-enroll via a guided portal — with 24/7 support from Lumber’s Benefits Desk
Every Variable. Every Rule. Calculated Correctly.
From enrollment details to age reduction schedules — every benefits calculation happens automatically, with zero manual intervention.
Plan selection, coverage tier, and dependents automatically drive base deduction amounts — no manual entry required.
Rate changes apply on the right date — not when someone remembers to update them. Deductions update at renewal without manual intervention.
Coverage and deductions begin exactly when eligibility kicks in — no early starts, no missed windows.
Pending coverage is held until the carrier approves, preventing premature deductions and eliminating manual tracking.
Contributions automatically stay within IRS limits. No more manual monitoring or mid-year corrections.
Part-time to full-time transitions, salary changes, and qualifying events trigger eligibility and deduction updates correctly.
Separate rate calculations for employee, spouse, and child - updated automatically following plan rules as ages change.
Coverage adjusts automatically at defined age thresholds (e.g. 30% reduction at age 70) - no manual updates needed.
Set it once and forget it. Deductions update on schedule without anyone having to log in, remember, or manually push changes.
From Enrollment to Termination — Handled.
A full-service solution backed by a team with deep benefits expertise. You get the technology and the people.
Our US-based specialists handle employee questions via call or email, acting as a direct extension of your HR team. No outsourced bots. Available 24/7.
A benefits expert assigned to your account for setup, renewals, and troubleshooting.
A professional, branded portal that keeps your company's identity front and center.
Every employee question resolved by a real specialist who knows your plan.
A step-by-step workflow for new hires, open enrollment, and life events. Employees compare plans and costs in one place — no more manual paperwork.
One view for enrollment progress and participation. Send reminders and drill into employee details with a single click — always up to date.
Triggers EOI the moment coverage exceeds guaranteed limits. We hold all pending deductions until carrier approval is confirmed, eliminating premature or missed payroll deductions.
Lumber handles carrier setup, weekly EDI file transmissions, discrepancy resolution, and ongoing troubleshooting. Your HR team never touches a carrier file feed again.
Access ACA data, payroll reconciliations, and census exports instantly. Filter, view, and export to Excel in seconds.
COBRA notices handled automatically. Election packets sent, enrollments processed, DOL compliance maintained — without HR lifting a finger.
Turnkey ACA Compliance
Lumber prepares, files, and distributes 1094-C and 1095-C forms. Timely submission to avoid IRS penalties. The entire process runs automatically so your team can focus on what matters.
Calculates plan affordability based on each employee's pay and contribution, so you know before the IRS does whether your plans qualify under ACA safe harbor rules.
Tracks hours worked to determine ACA full-time status accurately — avoiding misclassification penalties that hit variable-hour construction employees hardest.
Flags potential compliance issues before they escalate, giving you time to correct rather than respond to an IRS notice. Prevention, not remediation.
ACA regulations change. Lumber keeps pace so you don't have to monitor guidance or manually update plan configurations when rules shift.
Built for the Way Construction Works
From enrollment system setup and carrier updates to ACA and COBRA compliance, employee support, monthly maintenance and invoice reconciliation, Lumber absorbs the work that's slowing you down.
Built for the Whole Team
Lumber Benefits delivers measurable relief to every person who touches benefits administration — from the owner making the decision to the HR manager who lives with it every day.
Strategic & Financial Value
Benefits admin is consuming premium HR hours that belong on workforce strategy and field operations
At burdened HR wages, 300+ hours/year of admin often equals or exceeds the cost of Lumber Benefits
ACA penalties for variable-hour misclassification are significant — Lumber is your compliance shield
Carrier invoice errors and deduction mistakes create payroll liability you may not know exists
Real-time enrollment dashboards give you operational visibility without HR overhead
Quantify the ROI
300+ broker and employer hours saved per year for a typical 250-person construction group
100% of carrier file management handled — no client EDI involvement required
COBRA notices handled automatically — zero manual initiation
Deduction precision across 7 variables eliminates payroll errors and compliance exposure
Broker partner access keeps your existing advisor relationship intact and more effective
Day-to-Day Relief
The Benefits Desk™ by Lumber handles all employee benefit questions 24/7
Guided self-service portal means field workers can enroll on their phone without HR involvement
New hire onboarding, QLE changes, and terminations all handled through a structured workflow
Carrier invoices reconciled by Lumber — monthly reconciliation drops from hours to minutes
No more manually updating payroll deductions — all changes flow automatically from elections
Accuracy & Compliance
ACA eligibility tracked automatically every pay cycle — no more monthly spreadsheet monitoring
COBRA notices handled automatically — zero manual initiation
Deductions calculated with all variables — waiting periods, age bands, EOI, age reduction schedules
Plan rules consistently enforced for all employees — no exceptions, no manual overrides
Dedicated relationship manager and SME support for every troubleshooting scenario
For Brokers & Account Teams
Lumber handles carrier EDI setup, annual testing, and ongoing troubleshooting — off your plate entirely
Annual OE implementation managed by Lumber's team — not your account service staff
Carrier invoice reconciliation and discrepancy resolution handled by Lumber
Reinvest reclaimed hours into growing your construction book and deepening client relationships
Brokers maintain access to benefits data through the Lumber Benefits system — without payroll access
Partner Model
Broker retains full ownership of plan design, renewals, and carrier strategy
Lumber takes the operational administration — carrier feeds, compliance, employee support
Broker partner access to benefits data via Lumber Benefits — without touching client payroll
Many broker partners proactively recommend Lumber to their construction clients
Position Lumber Benefits as a value-add to your clients, not a competitive threat
Discover the Full Power of Lumber HR
Everything your HR team needs, all in one place.
Applicant Tracking System
Post jobs, manage candidates, schedule interviews, and leverage AI-driven insights, all in one platform.
Onboarding
Set up employees for success from day one with a seamless, paperless onboarding experience.
Credential Management
Keep certifications and credentials organized, up to date, and always compliant.
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