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Welcome to the website of Three Rivers Benefit Corporation. We are a full service Third Party Administrator celebrating over thirty years of providing benefit administration services to businesses in the Midwest. Our core function is to place and administer excess loss coverage for self-funded plans. We are dedicated to providing professional, prompt, and courteous service to our clients.


We began administering group plans in 1975 as Benefit Administration, Ltd. The business was moved into a larger office space in 1989 to satisfy the growing excess loss business. At that time the name was changed to Three Rivers Benefit Corporation to differentiate us from other benefit managers with similar names.


Personal attention to our clients. Small enough to give personal attention but large enough to provide the expertise you expect. Flexibility in meeting our clients needs. We adapt to the needs of the client. A claims adjudicator is assigned to each client. Our staff of claims adjudicators and customer service reps personally answer all phone calls. Your claims are processed efficiently. We process 95.6% of payable claims in 6 business days. The error rate is less than 2%. These ratios are better than industry average.

Local service in many cases. We are located in the upper Midwest. We specialize in self-funded and partial-self funded “MERP” benefit plans. We provide consultation to the employer on the plan that best suits their needs. This may be a low or high deductible plan, a “MERP” partial self-funded plan or a Stop Loss supported self-funded plans.

Independent and privately owned. Peter Benson and James Buswell started the firm in 1975, incorporating in the state of Iowa. Since then, Mr. Buswell has retired. Wayne Peterson joined the firm in 1989 as our Director of Marketing. Don Faber became our Director of Sales January of 2004. We have managed to maintain a service-oriented environment in which to serve the corporate client. We do not have ownership ties to any of the carriers or vendors we utilize. We work for and answer only to you, the client. Our employees understand our goal is to provide you and your employees with professional, prompt, and courteous service.

We have a very professional and tenured staff that all have experience and training in the processing of health, dental, disability, vision and flex claims. Sandra Stork is our Office Manager, Amy Kleinberg is our Administrative Assistant, and Melanie Bogh is our Claims Manager.

Competitive administration fees. We do NOT charge a fee for processing run-in claims on take over accounts nor do we charge a fee based on a percentage of claims processed. There are no hidden charges. We do not charge extra for management reports unless the request requires a system change.

Consulting Services. We believe in maintaining long-term relationships with our clients. In order to achieve this goal, we believe we must serve the roll of consultant, without the consultant fee. We quote all stop loss “NET” of commission and collect only an administrative fee if the stop loss coverage is placed. Fully insured products normally provide a commission to the broker. Our claims database allows us to provide substantial data for you to make intelligent management decisions.