Minimal time. Your broker can do the majority of the “heavy lifting”. With that said, collaboration is required to ensure the benefits plan being implemented is the “right fit” for your organization, in addition to [...]

Yes, changes to plan design can be made with 30-day notice.  It’s noteworthy to mention, depending on whether the change is an enhancement or reduction to the current level of coverage, these changes will impact [...]

The short answer is there is some risk to your business. However, you can control your risk with stop/loss insurance, which is standard on most programs to limit your potential liability. Risk management is an [...]

There is no universal answer to this question. Each situation is unique, so your best option is to speak with a benefits expert directly. Please call with special needs questions, and we’ll outline the best [...]

Renewal periods are generally 12 to 18 months. And yes, your rates are likely to change each time you renew to reflect your actual claims and premium funding history, pooling and inflationary factors.

Yes, it is very common to cost-share premium dues with your employees. Employer contributions must equate to a minimum of 50% of the extended health and dental premiums and it is recommended employees cover the [...]

No, you can establish different classes of employees, where each employee class receives a different level of coverage.

There are generally no fees to pay when working with a benefits broker. Normally services are paid for by your benefits plan provider. There are some exceptions, but there are never any surprise invoices.

A normal timeline to set up a new employee benefits plan is 3-4 weeks.

We’ve helped single individuals set up health benefit plans. However, we generally work with companies with three or more employees. That said, if you’re on your own and you need help with benefits planning, we’ll [...]