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Forest for the Trees

July 17th, 2017 | No Comments

There is a gigantic red maple tree in my backyard, its branches spread outward and upward into the sky as if it is reaching for something, trying to draw that into itself.  Its roots protrude from the earth pushing the trunk up as if it’s straining to stand on its toes to get every inch… Read More »

How to Fire Your Employee Benefits Broker

July 3rd, 2017 | No Comments

You’ve just learned that you can get an employee benefits management platform with onboarding and compliance tools from someone other than your current employee benefits broker.  And, this other employee benefits broker can also advise you about process and compliance issues without referring you to someone else.  In other words, this other employee benefits broker… Read More »

Fire Your Employee Benefits Broker Now!

May 8th, 2017 | No Comments

You need to fire your employee benefits broker now.  There’s no time to waste.  There are imminent changes in the employee benefits industry that will impact your business, both negatively and positively, and your current broker is most likely not on top of, let alone aware of, these changes. Your broker will not be able… Read More »

Ask Bud? How Zenefits is Insulting Your Intelligence

August 2nd, 2016 | No Comments

“Hey Bud, what’s your problem!?” Sean Penn as Jeff Spicoli in the motion picture Fast Times at Ridgemont High (1982) I follow Zenefits on LinkedIn because I want to know what one of the most talked about companies in the employee benefits business is up to. The other day a Zenefits BLOG showed up in… Read More »

Whatcha Want?! We’re Busy!

July 18th, 2016 | No Comments

What is customer service? I’d like to say “good” customer service, but it wouldn’t be customer service if it wasn’t “good.” “Bad” customer service is really no customer service at all, so let’s dispense with the adjectives and define exactly what customer service is. Customer service is critical to your business. It is essentially a… Read More »

You Don’t Need Zenefits, Just a Better Broker

May 16th, 2016 | No Comments

It has been said that you shouldn’t kick a dog while it’s down, but this is business, and business is a zero-sum game. Several days ago, Bloomberg News published an article about the troubles facing Zenefits, the employee benefits start-up darling. Although the article detailed some of the regulatory and behavioral issues facing Zenefits it… Read More »

ACA Gotcha! Employers Have Burden of Proof

March 2nd, 2016 | No Comments

Did you get one of these from either your state or federal exchange? Ignore these at your peril! Failure to timely respond to an incorrect determination creates an assumption that the employer did not make a qualifying offer of coverage and/or that offer was unaffordable. How will you prove you made an offer of health… Read More »

The Martian

February 3rd, 2016 | No Comments

I just finished reading The Martian by Andy Weir which is also a recently released and Academy Award-nominated movie starring Matt Damon. The Martian is about Astronaut Mark Watney who is presumed dead and left behind on Mars during an aborted exploration mission.  He spends his time trying to survive on meager supplies and reestablish… Read More »

The 21st Century Benefits Broker: Your Benefits Adviser – Part 2

November 20th, 2015 | No Comments

In my previous BLOG I described the employee benefits broker for the 21st century.  In this BLOG I’ll describe in detail what you should look for and expect from a broker, your employee benefits Adviser. You’re hiring an Adviser –So Ask the Hard Questions You’re not purchasing insurance.  You’re hiring an employee benefits adviser, not… Read More »

The 21st Century Benefits Broker: Your Benefits Advisor – Part 1

October 6th, 2015 | No Comments

What kind of relationship do you have with your benefits broker? Do you confide in them as you would your CPA, or do you keep them at arm’s length as if they were one of the many vendors with whom you deal? Whose interests does your broker serve? Those of the insurance companies or yours?… Read More »