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PFML and Private Disability Coordination: How Brokers Should Structure STD/LTD Benefits in States with Mandatory Leave Programs The core coordination problem is
Stop-Loss Insurance for Self-Funded Health Plans: Specific vs. Aggregate Coverage Explained Stop-loss insurance is the financial protection that makes self-fund
How to Structure a Benefits Broker RFP Response That Wins the Account Benefits broker RFP responses are not marketing documents. The employer issuing the reques
Group Life and Disability Coverage Ratios: Standard Benchmarks for Building a Complete Benefits Package The standard employer-paid group life benefit is 1x annu
Long-Term Care Insurance: How It Works, When to Recommend It, and How Hybrid Policies Compare Long-term care insurance pays for custodial services — help with b
How to Find Affordable Group Health Coverage for Small Business Clients with Under 50 Employees Employers with fewer than 50 full-time equivalent employees are
How to Make Employer Health Plans Comply with Mental Health Parity Requirements The Mental Health Parity and Addiction Equity Act MHPAEA requires group health p
How to Explain COBRA Continuation Coverage to Employer Clients and Departing Employees COBRA continuation coverage under ERISA §§601–608 and IRC §4980B allows q
How to Evaluate and Implement an ICHRA for Employer Clients An Individual Coverage HRA ICHRA is an employer-funded arrangement under IRC §106d that reimburses e
How to Manage Open Enrollment Compliance for Employer Health Plan Clients Open enrollment is more than a benefit selection window — it is a concentrated complia