The American Worker About Us

The Easy-to-Implement Insurance Platform For Hourly Workers

For more than 20 years, The American Worker has specialized in providing insurance for hourly employee groups. From our headquarters in Austin, Texas, we provide a turnkey solution for employers across the country, serving more than 250,000 members. As a privately held, independent third party administrator (TPA), we have created a unique solution for our clients who have needs that are distinct and different from most employers.

Our Focus
With over two decades of experience, employers are able to offer both employer and employee-paid (sometimes referred to as “voluntary” or “worksite”) benefits products underwritten by the country’s leading insurance carriers.

Specialties include customized fully-insured fixed-indemnity medical plans that can stand-alone or be combined with self-funded plans and stop-loss coverage to protect employees from catastrophic loss. This hybrid option creates an extremely cost-effective alternative to traditional major medical plans and most efficiently addresses the major components of medical plan utilization.

Our Vision
While the national debate on health reform continues, we believe that change is essential. Employers are struggling to maintain existing major medical coverage and recognize the need for alternative group plan designs with real world cost control options in a challenging economy. That is why our expanding portfolio of programs to help fill the void created by high deductibles or co-pays, as well as offering a valuable option for large claim protection.

We will never lose sight of the fact that our company’s core mission is maintaining affordability for all benefits that we provide to our valued producer partners and their clients.

About Fringe Benefit Group

The American Worker is part of the Fringe Benefit Group. Since 1983, we’ve helped hourly workers get the most out of their benefits. As a privately held company, and a third party administrator, we’re able to provide brokers and their clients with the hardest working ‘A’ rated carriers. With over 90 employees and 30 years of experience, we’ve established ourselves as the model business in providing hourly workers with the insurance they need.

Fringe Benefit Group Includes:

  • Fringe Benefit Group, Inc. – Sales and marketing
  • The American Worker – Fixed indemnity and MEC coverage for hourly workers
  • The Contractors Plan – Retirement and health benefits for government contractors