Today we were fortunate to have Bill Alpine, Executive Director and Lisa Shepard, Senior Manager, Benefit Operations, Program Integrity, and Appeals from the Department of Paid Family and Medical [...]
Fallon recently announced they are leaving the commercial health insurance market to focus on Medicare plans. On January 4, Tufts and Harvard Pilgrim announced they have formally combined the [...]
It’s almost Halloween, and I’ve been thinking about some of the scary conversations I’ve had with employers over the last couple of months. One comes to mind right away. I had a compliance [...]
Individual life applicants and group life participants often want to name their minor children as primary or contingent beneficiaries for their policies. Over the years I’ve found myself [...]
There are several good reasons to combine group long term disability (LTD) insurance with supplemental individual disability insurance (IDI) plans: Group LTD plans don’t always provide enough [...]
We’ve had several questions from clients about the Massachusetts Paid Family and Medical Leave (PFML) law that I forwarded to the Department Family and Medical Leave. Others might have the [...]
The definition of covered earnings in a group life and disability contract matters. It dictates how much premium should be paid and how much will be paid in claims. Here’s an example. [...]
Open Enrollment Season isn’t an easy time to take a step back, breathe, and reflect on things, but I’m doing it today. We are so grateful to have so many wonderful people in our [...]
Governor Baker recently signed a law that will impact Massachusetts employers with 6 or more employees (full time or part time) to become effective January 1, 2018. The law is still awaiting [...]
Several years ago, we added an HSA compatible option to our health plan. Both owners enrolled, and what struck me at the time was the math. I’m an owner at a limited liability company, so [...]