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Hi, this is Connie Chiara with Corporate Benefit Partners. It is not a good idea to work with two benefit brokers at the same time. Here’s the reason why. In our Florida marketplace, we only have five primary health insurance carriers. When an RFP comes in from multiple brokers, the insurance carrier will issue the Read More

You can offer dental and vision plans voluntary, or you can have some employer contribution for them. They’re very affordable. So, if it’s $35 a month for a really good dental plan, most employees will opt to pay for that rather than having to worry about paying a thousand dollars throughout the year for a Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. Let’s talk for just a minute about Employee Benefit Plan Compliance. Every year in September, employers are required to provide Medicare-eligible employees with a Medicare Part D Credible Coverage Notice. What exactly is a Medicare Part D Notice and why do we need to provide it Read More

Something else with dental and vision, a lot of times, the health insurance carriers who offer dental and vision plans will allow you at renewal time, for example, an extra discount off the health insurance premium if you’re offering dental and vision plans. So let’s just say an insurance carrier is going to offer two Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. The Employee Benefits business is filled with acronyms. Let’s talk for a minute about healthcare reform and what it means to be an ALE. There are two provisions of the Affordable Care Act that apply only to Applicable Large Employers, or ALEs. The first provision is Read More

There’s some really good things happening in the dental marketplace that I think it’s important for people to know about. There’s a couple of carriers out there now that are offering what we call unlimited dental plans. So, if an employer offers this plan to employees, they can have as many crowns, as many bridges, Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. When it comes to employee benefit plan compliance, I often find that employers are not maintaining the correct Section 125 plan documents. A Section 125 plan allows employees to pay for certain benefits on a pre-tax basis. The most basic and most popular type of a Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. Let’s talk for a minute about healthcare reform and employee benefit claim compliance. Healthcare reform requires that employers report information to the IRS and to full-time employees regarding their employer-sponsored coverage. The IRS uses this information to verify that employers offer health insurance coverage in accordance Read More

After health insurance, the most important benefit an employer can offer, in my opinion, is long-term disability coverage. This is not a coverage that you can go out and buy anywhere. So, if I’m an employee and my employer doesn’t offer this to me, I have no way to go out and purchase at an Read More

Hi, this is Connie Chiara with Corporate Benefit Partners. Let’s talk for just a minute about healthcare reform and employee benefit plan compliance. Healthcare reform requires that employers provide a health insurance exchange notice to employees when they are hired. This notice describes the employee’s right to purchase coverage on the health insurance exchange. In Read More