Dryden, LLC - Advantage 3

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Advantage 3

The revolutionary solution for budgeting healthcare costs into fixed 36-month increments.

Advantage 3 Funding Model | Timeline for Implementation

Benefits of Advantage 3

Budgetability. Client contributes monthly on a fixed payment schedule for 36 months.
Favorable financial accounting presentation. Unconsolidated, special purpose entity disclosed via footnote not as balance sheet item.
Asset/Liability Management. Note proceeds are invested to hedge against healthcare inflation and accumulate reserves.
Beneficial tax treatment. The investment income is insulated from taxation.
Opportunity to build needed reserves to buy down future risk.
No need to change insurance carrier, consultant/broker or plan design.

If your organization is like most, rising healthcare costs are straining your budget and hurting your bottom line. Dryden Advantage 3™ offers a powerful solution for stabilizing costs without reducing your benefit offerings or changing carriers.

Designed primarily for self-insured employers, Advantage 3 is based on Dryden's proven Advanced Funding Model for predicting, managing and funding long-term healthcare expenditures. This groundbreaking solution combines risk management, actuarial sciences and structured finance to convert volatile costs into a manageable, “budgetable” item that can significantly reduce costs.

Dryden customizes the best program to meet your needs, including:

Actuarial Assessment and Modeling
Structured Finance and Funding/Investment
Optimization
Tax, ERISA, Legal and Accounting Treatment
Economic and Terms Sheet Validation
Documentation and Execution

Working through its investment partners, Dryden delivers all financing and investment solutions through a large network of highly-rated banks and financial institutions carefully selected for price, quality and ease of implementation.