Arvori
Employee Benefits guides for Insurance Brokers.
Stop-loss insurance for self-funded plans: specific vs. aggregate coverage, attachment points, lasering, run-in/run-out, and how brokers structure protection for employer clients.
Standard group life and disability coverage ratios for broker clients — basic life multiples, STD and LTD benefit percentages, elimination periods, and IRC §79 imputed income rules.
Long-term care insurance for insurance brokers — benefit triggers, elimination periods, inflation protection, hybrid LTC policies, tax deductibility, and when to recommend coverage.
How brokers find affordable group health coverage for sub-50 employers: SHOP plans, ICHRA, QSEHRA, level-funded plans, ACA tax credits, and enrollment compliance.
MHPAEA compliance for broker clients: audit quantitative limits, complete the CAA 2021 NQTL comparative analysis, and avoid DOL penalties under the 2024 final rule.
How insurance brokers explain COBRA to employer clients — qualifying events, election notice windows, 102% premium calculation, coverage duration, and DOL penalty exposure.
How insurance brokers evaluate and implement ICHRAs — class structures, allowance design, ACA affordability math, premium tax credit opt-outs, and required notice rules.
Open enrollment compliance for employer health plans — required ERISA and ACA notices, HIPAA special enrollment rights, election documentation, and 1094/1095 reporting.
Fully insured vs self-funded health plans: ERISA preemption, stop-loss mechanics, level-funded plan options, and when each structure fits employer clients.