In both basketball and insurance, success comes down to strategy, teamwork, and the ability to pivot under pressure. Every client interaction, every case written, and every claim handled is a chance to make a game-changing impact. Like a championship team, we: ? Prepare for every scenario– anticipating risks before they happen ? Adapt to challenges– finding solutions for our clients when they need us most ? Play the long game– building trust and lasting relationships Enjoy March Madness and best of luck in your brackets… Game on! ?? #MarchMadness #InsuranceWins #GamePlanForSuccess #ProtectWhatMatters #Insurance #InsuranceIndustry
关于我们
By the Voluntary Benefits industry, for the Benefits industry. We are members of the Voluntary Benefits community who have come together to share thought leadership in the industry. Our goal is to create a platform to drive collaboration and innovation in Voluntary Benefits. The best part? Everyone is welcome! Our goal is to provide content and resources that can benefit everyone on the distribution side of the Voluntary Benefits industry. Account Managers, Benefit Counselors, Benefit Technology Administrators, Brokers, Career Agents, Carriers, Enrollment Firms... We'll talk Product, Trends, Claims, Tips, Legislative and Compliance Updates, and more! Visit: www.voluntary-advantage.com to subscribe to our monthly magazine - The Voluntary Benefits Voice! For more information, media or advertising requests please contact: [email protected] or [email protected]
- 网站
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www.voluntary-advantage.com
Voluntary Advantage的外部链接
- 所属行业
- 保险业
- 规模
- 2-10 人
- 总部
- Parker，Colorado
- 类型
- 私人持股
- 创立
- 2022
- 领域
- voluntary benefits、insurance、supplementalbenefits、benefits、insurancebroker、insuranceindustry、insurancebroker、employeebenefits、employeeengagement和benefitsadministration
地点
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主要
获取路线
10940 S Parker Rd #257
US，Colorado，Parker，80134
Voluntary Advantage员工
动态
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In this month's Voices of Voluntary Benefits article, we asked: Where do you think the state or federal government should play a greater role in regulating the employee benefits and insurance industry? Here is what Jessica Brooks Woods CEO, MPM, PHR, CEO of NABIP had to say... "NABIP strongly supports a regulatory environment that ensures consumer access to high-quality, affordable healthcare coverage while preserving market stability. We believe the state and federal government can play a key role in the following areas, guided by the principles outlined in NABIP's Healthcare Bill of Rights, which advocates for choice, affordability, and access to trusted advisors: ?? Protecting Consumer Choice & Access to Agents – Government policies should ensure that consumers whether you are an individual, senior, employee, or employer—can work with licensed health insurance professionals who help them navigate complex coverage options and maximize their benefits. ?? Ensuring Transparency & Fair Competition – Regulators should hold all industry stakeholders including insurance carriers, pharmacy benefit managers (PBMs), and third-party administrators to the same level of transparency and accountability. This promotes cost efficiency, prevents hidden fees, and ensures that consumers and employers have clear, accurate information about their coverage. ?? Preserving Access to Employer-Sponsored Coverage – More than 150 million Americans rely on employer-sponsored health insurance, and it remains a crucial pillar of our healthcare system. Regulatory policies should support this market by encouraging flexibility and innovation in benefit design, including expanding the use of Health Savings Accounts (HSAs), Individual Coverage Health Reimbursement Arrangements (ICHRAs), and other tools that empower employers and employees to find the best coverage solutions. ?? Stabilizing the Market Through Thoughtful Regulation – While oversight is necessary, overly burdensome regulations can disrupt access to affordable coverage. NABIP advocates for policies that foster stability in the Medicare, employer-sponsored and individual health insurance markets, ensuring that consumers continue to have affordable and sustainable healthcare choices. NABIP remains committed to advocating for policies that uphold consumer access, market stability, and the critical role of health insurance professionals. By working collaboratively with state and federal policymakers, we can ensure a regulatory environment that prioritizes choice, transparency, and affordability, ultimately leading to better healthcare outcomes for individuals, families, and businesses across the country." #insurance #insuranceindustry
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What will you find in the March ?? edition of the Voluntary Benefits Voice publication? ?? Nick Rockwell and Danielle Lehman from Eastbridge Consulting Group talk about the importance of better billing processes ?? PES Benefits breaks down the Mental Health Parity Act ?? Tara Athy and Annie Jantz with Lincoln Financial Talk about the Evolving PFML Landscape and what to expect in 2025 ?? Alden Bianchi, John R. Locy, and Jessica Brooks Woods CEO, MPM, PHR with NABIP share their insights in the newest Voices of Voluntary Benefits article on where they?think the state or federal government should play a greater role in regulating the employee benefits and insurance industry ?? Steve Cain with LTCI Partners shares what you should know about Worksite LTCI insurance ?? And Steve Clabaugh talks about how to have championship team behavior discussions! Don't miss out—stay informed, stay inspired! #VoluntaryBenefits #EmployeeBenefits #Benefits #WorkplaceBenefits #Insurance #InsuranceIndustry #LTCI #LTC #BenefitsBroker #BenefitsConsultant #Leadership #BenefitsAdministration #MentalWellbeing #MentalHealthParityAct #Compliance #PFML #AbsenceManagement #Disability #ShortTermDisability #Legislation #Regulation
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Attn: Brokers & Consultants TIME IS RUNNING OUT ? Voluntary Advantage is partnering with Eastbridge Consulting Group to produce the industry’s most comprehensive annual study of broker best practices, preferences and challenges and we want to hear from you!! ?? Share your perspective on key topics and market trends of the voluntary/worksite industry in a quick 15-minute online survey. Brokers who participate in the survey will have access to an exclusive webinar that highlights key topics from the survey results! This is your opportunity to make your voice heard and make an impact on our industry. CLICK HERE: https://lnkd.in/gzRUF_hh - to share your thoughts! Jennifer Daniel Jack D. Holder Paul Hummel Seif Saghri Tim Schnoor Mark Rosenthal Hunter Sexton, JD, MHA Rachel McCarter Nick Rockwell Danielle Lehman Heather Garbers Trevor Garbers, M.S., REBC? NABIP #thoughtleadership #insurance #insuranceindustry #benefitsbroker #benefitsconsultant #insights #knowledge #survey
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Happy St. Patrick’s Day! ?? Today, we celebrate luck, laughter, and the spirit of Ireland! Whether you're wearing green, enjoying festive traditions, or simply embracing the joy of the day, may your heart be light and your blessings plenty. We hope your day is filled with opportunities, your efforts bring great rewards, and your team continue to thrive. Here’s to growth, good fortune, and a bright future ahead! ??? #StPatricksDay #LuckAndLeadership #GrowthAndOpportunity #LuckOfTheIrish #FeelingLucky
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Every policy written, every claim processed, every conversation with a client—it all matters. Insurance isn't just about numbers and contracts; it's about people, trust, and security. We have the privilege of being there for individuals, families, and businesses in their most critical moments. We turn uncertainty into confidence, setbacks into comebacks, and risks into opportunities. If you're in this industry, remember: you are a guardian of peace of mind, a builder of resilience, and a catalyst for stability. The work you do today shapes a safer tomorrow. Let’s continue to innovate, serve with empathy, and inspire trust. Because what we do isn’t just insurance—it’s impact. #InsuranceIndustry #Motivation #Inspiration #ProtectingFutures #inspirationfriday
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Attn: Brokers & Consultants TIME IS RUNNING OUT ? Voluntary Advantage is partnering with Eastbridge Consulting Group to produce the industry’s most comprehensive annual study of broker best practices, preferences and challenges and we want to hear from you!! ?? Share your perspective on key topics and market trends of the voluntary/worksite industry in a quick 15-minute online survey. Brokers who participate in the survey will have access to an exclusive webinar that highlights key topics from the survey results! This is your opportunity to make your voice heard and make an impact on our industry. CLICK HERE: https://lnkd.in/gzRUF_hh - to share your thoughts! Jennifer Daniel Jack D. Holder Paul Hummel Seif Saghri Tim Schnoor Mark Rosenthal Hunter Sexton, JD, MHA Rachel McCarter Nick Rockwell Danielle Lehman #thoughtleadership #insurance #insuranceindustry #benefitsbroker #benefitsconsultant #insights #knowledge #survey
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Where will all your friends be May 12-14th? Join them at the Voluntary Advantage VIRTUAL Conference where you will hear from experts at Eastbridge Consulting Group, Sydney Consulting Group, LIMRA and more. Our theme this year is Mission Possible: Transforming the Benefits Industry and we will talk about the state of claim integration today, advances in benefits technology, how AI is transforming the industry, and even legislative and compliance updates. You do not want to miss this event! And you can enjoy it from the convenience of your office! REGISTER TODAY: https://lnkd.in/gZZhnQQE #voluntarybenefits #benefits #employeebenefits #workplacebenefits #insurance #insuranceindustry #benefitsbroker #benefitsconsultant #virtualevent #insurancebroker #benefitsstrategy #AI #benefitstech #benefitsadministration
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“There is so much anger and hostility in the world today it’s hard to create a work culture where everyone can get along even just during work hours.” Real people who are daily facing the challenges of trying to grow their businesses while dealing with the turmoil, conflict and divisiveness that seems to be so much a part of our modern culture. Five different studies released in 2024 listed the reasons why high performing employees quit their jobs. While the studies varied somewhat in numbering the top reasons, all five of them came to the same overall conclusion. The #1 reason high-performing employees quit their jobs has to do with CULTURE. If you read our monthly publication, you are familiar with the Relational Leadership Experience (RLE)?created by Steve Clabaugh. RLE is a hands-on practical program designed to help companies of all sizes and types build a championship culture. They give you the tools to build high-performance teams that continuously achieve excellence. In short, RLE provides leadership training that builds business success in a positive cultural environment. Steve is hosting a FREE online webinar where he will: ?? Teach you how the RLE program can benefit your or your client's organization ?? Share a brief but powerful sample lesson ?? And you can hear from a current participant and ask questions to determine if this program is a fit for your or your client's organizations The FREE webinar will be held April 11, 2025 at 3:00 pm EDT. Space is limited so you will want to register early. To reserve your seat, contact Steve at [email protected] to request details! https://lnkd.in/gw-5-9WT #leadership #relationalleadership #professionaldevelopment #teamwork #team #culture #employees
Relational Leadership Experience
https://vimeo.com/
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Happy Monday Everyone! To kick off the week, we are sharing some great insights from Alden Bianchi on the topic of COBRA Compliance when it comes to Hospital Indemnity / Critical Illness plans. Our advice? Take the extra step to ask questions and ensure your clients are administering these plans correctly to avoid penalties and fines. #compliance #voluntarybenefits #workplacebenefits #fixedindemnity #benefits #employeebenefits #benefitsbroker #benefitsconsultant #insurance #insuranceindustry #safeharbor
ARE HOSPITAL/FIXED INDEMNITY AND CRITICAL ILLNESS PLANS SUBJECT TO COBRA? IT DEPENDS. The question of whether hospital indemnity, other fixed indemnity, and critical illness coverage seems to vex many. Some carriers go so far as offering their employer groups the option – provide COBRA coverage or not. The question is not that difficult: (1)???????Is the arrangement under which the hospital indemnity, other fixed indemnity, or critical illness coverage a “group health plan?” In many cases, it’s not. The IRS has long been of the view that these coverages provide “income replacement” and not “medical” coverage. Thus, at least for tax purposes, they provide disability insurance, not medical insurance. The point is made in a footnote in the preamble to a 2024 final “junk insurance” rule: “The original version of HIPAA that the House Ways & Means Committee referred to the House floor referred to hospital indemnity or other fixed indemnity insurance as a ‘‘hospital or fixed indemnity income-protection policy.’’ (Emphasis omitted). [89 Fed. Reg., p. 23,343, footnote 41]. COBRA applies to group health plans, not to disability coverage. There are instances, however, in which a hospital indemnity, other fixed indemnity, or critical illness coverage has so many “bells and whistles” that is crosses the line into providing medical coverage. (To get an idea of what these products designs might look like, please refer to IRS Private Letter Ruling 200704010 (https://lnkd.in/eYNCx4kH. While the ruling addresses what constitutes “permitted insurance” for purposes of Health Savings Account eligibility, it gets at a similar problem.) (2)???????Is the group premium less than the premium charged individuals in the retail market? In most cases, the premiums charged for hospital indemnity, other fixed indemnity, or critical illness coverage in the group market are discounted. (If not, the product is far less attractive.) Where the cost in the individual market is higher, then the arrangement is subject to COBRA. Of course, COBRA will only apply if the arrangement is a group health plan (see item (1) above). (3)???????Is the hospital indemnity, other fixed indemnity, and critical illness coverage being offered under a plan that satisfies the ERISA safe harbor for voluntary plans? Plans that satisfy the “voluntary plan safe harbor” are not subject to ERISA and not subject to COBRA as a result. The safe harbor requires that (i) the plan be entirely contributory (i.e., no employer money, and no cafeteria plan), (ii) participation be completely optional for employees, (iii) the employer not endorse that program, and (iv) the employer not receive any consideration in connection with the program. I have previously claimed that compliance with this safe harbor can be challenging, and employers might be better off not using it.?