A Guide To Attracting Clients To Your Agency

A Guide To Attracting Clients To Your Agency

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A great commerce experience cannot be distilled to a single number. It’s not a Lighthouse score, or a set of Core Web Vitals figures, although both are important inputs. A great commerce experience is a trilemma that carefully balances competing needs of delivering great customer experience, dynamic storefront capabilities, and long-term business — conversion, retention, re-engagement — objectives. As developers, we rightfully obsess about the customer experience, relentlessly working to squeeze every millisecond out of the critical rendering path, optimize input latency, and eliminate jank. At the limit, statically generated, edge delivered, and HTML-first pages look like the optimal strategy. That is until you are confronted with the realization that the next step function in improving.

Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam
– Aaron Finch

Setting the mood with incense

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Different Ways To Design Digital Product Pages

Different Ways To Design Digital Product Pages

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A great commerce experience cannot be distilled to a single number. It’s not a Lighthouse score, or a set of Core Web Vitals figures, although both are important inputs. A great commerce experience is a trilemma that carefully balances competing needs of delivering great customer experience, dynamic storefront capabilities, and long-term business — conversion, retention, re-engagement — objectives. As developers, we rightfully obsess about the customer experience, relentlessly working to squeeze every millisecond out of the critical rendering path, optimize input latency, and eliminate jank. At the limit, statically generated, edge delivered, and HTML-first pages look like the optimal strategy. That is until you are confronted with the realization that the next step function in improving.

Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam
– Aaron Finch

Setting the mood with incense

Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt.

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Health & Voluntary Benefits Association’s Benefits Roadshow: Showcasing Innovation and Collaboration at The Rooftop on the Wit in the beautiful city of Chicago

Chicago, Ill, 07/13/2023 – An exciting event, dedicated to fostering innovation and collaboration, was held at the Rooftop on the Wit on July 13, 2023. This highly anticipated gathering brought together industry leaders, professionals, and enthusiasts in a dynamic environment, providing a platform for networking, knowledge sharing, and celebration.

The event kicked off at 5:00 PM with the arrival and registration of esteemed guests. Upon checking in at the registration area, attendees were greeted with a warm welcome as they embark on an evening of discovery and connection with spectacular city lights views.

At 5:30 PM, the Chairman & CEO, Rob Shestack, took center stage alongside our Event Committee Chair Dan Robinson, to deliver an engaging welcome address, setting the tone for an eventful evening. With great enthusiasm, the Chairman & CEO provided an overview of the event, highlighting the exciting activities and opportunities that lie ahead. Attendees were encouraged to mingle, network, and immerse themselves in the vibrant atmosphere, creating lasting connections and sparking new collaborations.

A highlight of the agenda included a captivating presentation by Wayne Goshkarian, CEO of Dylan Consulting from 6:00 PM to 6:15 PM. As Wayne from Dylan Consulting took the spotlight, he shared their expertise and insights, captivating the audience with their innovative ideas. Following the presentation, attendees had the opportunity to participate in a stimulating question-and-answer session, fueling intellectual exchange and fostering a spirit of curiosity.

The event continued to showcase gratitude and recognition, as the first sponsor is celebrated at 6:15 PM. The audience witnessed the announcement of the lucky winner of an exclusive $500 giveaway, courtesy of the generous sponsor. This moment of appreciation serves as a reminder of the collaborative spirit that drives the event.

Furthermore, attendees were honored to meet the esteemed board members, introduced by the Chairman & CEO, Rob Shestack. This networking opportunity allows guests to engage directly with board members, seek their guidance, and gain valuable insights into the mission and vision of the Health & Voluntary Benefits Association (HVBA). The Chairman & CEO also extended heartfelt thanks to the event’s sponsors, including Triada, PlanSource, Pets Benefits Solution, and Dylan Consulting, whose support has contributed to the success of this extraordinary gathering.

At 7:00 PM, the stage was handed over to Amy Crane, Vice President for Pets Benefits Solutions, who captivated the audience with a 10-minute presentation all about how our pets are more than pets, they are family and how Pet Benefits Solution provides a variety of health and wellness plans to accommodate employee’s pet’s and to save money on healthcare for your prized possessions. Their expertise in the field was on full display, providing valuable knowledge and sparking discussions. Following the presentation, attendees had the opportunity to participate in an engaging question-and-answer session. Pets Benefits Solutions further delighted guests with an exclusive giveaway, offering a chance to win a weekend night’s stay for two at The Ben in West Palm Beach, including breakfast. Additionally, their sponsorship extends to the enticing Mudslide Bulldog or the Tropical Parrot specialty drink, adding an extra delight to the event.

The excitement continued as 7:15 PM approached, with additional giveaways being distributed among the attendees. A delightful invitation will also be extended to indulge in mouthwatering desserts and coffee, graciously sponsored by PlanSource. This gesture of appreciation recognizes the importance of all the venue and food sponsors who have contributed to making this event an unforgettable experience.

As the clock strikes 8:00 PM, the event ended, marking the end of a remarkable evening filled with knowledge, networking, and celebration. Attendees departed at their leisure, carrying with them newfound connections, inspiration, and a renewed sense of community, many joining our board of advisors for an after-event libation and continued conversations.

The HVBA will host our exclusive Board Meeting in Atlantic City, NJ in the third week of April and will include another Benefits Roadshow Networking Event to end the day in style. Attendees will immerse themselves in an evening of innovation, collaboration, and opportunity. This is an event you don’t want to miss! Be on the lookout for the invitation to this exclusive opportunity.

 

For media inquiries, please contact:

Jenny Jenkins
Senior Vice President of Operations
jenny@voluntarybenefits.org
mobile: 561-398-1060

About the Health & Voluntary Benefits Association

The Health & Voluntary Benefits Association is the first national non-profit trade association focused on Voluntary Benefits for employer groups and affinity groups. Our goal is to promote the education, implementation, and enrollment of Voluntary Benefits in the workplace.

Rosen Advisory to Present M&A Education at NABIP’s National Convention

 

Brett Rosen, Principal of Rosen Advisory, will be presenting “Intentional Perpetuation” at NABIP’s National Conference being held June 24-28th in New Orleans as part of NABIP’s ongoing commitment to providing M&A education to NABIP members.

Brett will be leading two M&A focused sessions at the conference.

The first session is entitled “Intentional Perpetuation” and will help owners design their next chapter and ensure they get all the value they seek in a merger or sale.

Being intentional is the key to success in most business endeavors, and none more so than planning to perpetuate or sell your agency. In this session, Brett will cover three steps owners must embrace to achieve their optimal M&A/perpetuation outcome. First, Brett will review what he calls “5 Star Planning” as it relates to the perpetuation or sale of your business. Next, Brett will then outline all possible M&A options and help you better understand your “Owner Persona” so you can think about what is best for you. Thereafter, Brett will close the session with a discussion about maximizing your opportunity by avoiding common pitfalls that trip up many owners.

The second M&A session is a panel discussion with several accomplished buyers and sellers of agencies that will provide attendees with real life examples of how to succeed with M&A.

Brett will lead this discussion with Mark Gaunya, Partner, Borislow; Dan Mangus VP of Growth and Development, Senior Marketing Specialists; and Robert Tierney, Principal, OneDigital

This accomplished panel will provide agency owners with a 360-degree view of the M&A market, whether it is buying agencies, selling your agency, merging and other perpetuation options. All these topics, and more, will be discussed by these professionals who have been part of deals for decades.

About Rosen Advisory:
Rosen Advisory (www.rosenadvisory.com) is a leading M&A Advisory firm, representing employee benefits and insurance related owners on their M&A journey. Brett Rosen, Principal, has worked with hundreds of agency owners and been part of 65+ closed transactions in the space.  With a holistic approach that considers owners, their teams and their clients, firms that work with Rosen are able to write their next chapter while ensure a successful transaction.

About NABIP:
NABIP, the National Association of Benefits and Insurance Professionals, is a professional trade represents health insurance agents, brokers, consultants, and benefit professionals. NABIP’s primary goal is to promote ethical practices, education, and advocacy within the health insurance industry.

As a leading organization in the field, NABIP provides its members with valuable resources, networking opportunities, continuing education programs, and industry insights. It supports its members in staying updated with the latest trends, regulations, and best practices in health insurance.

NABIP also actively advocates for policy changes that impact the healthcare system. The association engages with legislators and regulatory bodies to ensure that the interests of its members and the clients they serve are well-represented. NAHU strives to shape healthcare policy in a way that supports affordable, accessible, and quality

Members Document Library

TitleSummaryAuthorCategoriesTagsLinkhf:doc_categorieshf:doc_tags
Returning to Work During COVID-19: An HR Guide to Protecting EmployeesThe success of a COVID-19 risk mitigation program may rise or fall based on employee …eBooks/Guides, , , , , , , , , , ebooks-guides2020 best-practices covid-19 employees employer-policies hipaa hub-international liability osha safety testing
Return to Workplace ConsiderationsThese are unprecedented times — our communities, families, employees and organizations as a whole have …White Papers, , , , , , , , , white-paperscovid-19 gallagher post-pandemic ppe return-to-work risk-managment strategy workplace workplace-planning workplace-safety
Workers’ Compensation Claims Compensability Flowchart (COVID-19)In the event that you have an employee who reports a COVID-19 case as work-related, …Infographics/Charts, , , , , infographics-charts2020 carriers claims covid-19 gallagher workers-compensation
COVID-19 Return to Workplace Pulse SurveyThe COVID-19 Return to Workplace Pulse Survey addresses employers’ strategies, policies and practices for transitioning …Surveys/Research, , , , , , , surveys-research2020 benefits-plan-design compensation covid-19 employee-benefits employee-well-being gallagher post-pandemic
Confidence in the Workplace: Protect your workforce during COVID-19AGENDA: 1. Risk mitigation strategies to keep employees safe and healthy 2. Impact of COVID-19 …Presentations, , presentations2020 covid-19 gallagher
2020 COVID-19 Pulse Survey: Work in a New NormalThe COVID-19 Work in a New Normal Pulse Survey shares insights into how employers are …Surveys/Research, , surveys-researchcovid-19 gallagher post-pandemic
Voluntary Benefits OverviewWhen it comes to voluntary benefits, we’ve got it covered. Let us help you supplement …Fact Sheets, , fact-sheets2019 guardian voluntary-benefits
9th Annual Workplace Benefits Study-Benefits OptimizationUpgrading the enrollment experience to help employers and their workers get the most value. Half …Industry Reports, , , , , , , , , , , , , , , industry-reports2020 benefits-communication debt easy-enrollment employee-benefits employee-experience employee-well-being financial-well-being guardian hr medical-bills open-enrollment personalization post-pandemic risking-out-of-pocket voluntary-benefits
WA Cares: Implementation Timeline & New Employee ExemptionsWorker contributions to the WA Cares Fund, the state’s new long-term care insurance program, start …White Papers, , , , , , , , white-papers2023 compliance employment-law voluntary-benefits-association-vba legislative-updates long-term-care marsh-mclennan wa-cares-fund washington-wa
Attracting New EmployeesStraight answers to everyday questions about voluntary benefits. A Guardian “Simply Put” 2-minute educational video …Videos, , , , , , videos2020 attract-retain-talent employee-benefits guardian qa voluntary voluntary-benefits
2023 Will See the Return of “Normal” Benefits — With a TwistPOWERED BYArticles, , , , , , articles2023 cbiz covid-19 employee-benefits pandemic personalization restructuring
2023 Employee Benefits and Enrollment Trends ReportEmployers created their 2023 employee benefit strategy amidst a variety of challenges including economic uncertainty, …White Papers, , , , , , , , , , , white-papers2023 benefit-strategy employee-benefits employee-communication employees enrollment-systems health-savings-account-hsa key-benefits open-enrollment supplemental-insurance trends voluntary-benefits
Organizational Behavior 101: A Leader’s Guide to Motivating EmployeesOrganizations are made up of people, and their individual and collective behaviors drive your overall …eBooks/Guides, , , , , , ebooks-guideschange-management classy effective-leadershipo employee hrs-role incentives motivating-behavior
Navigating Together: Supporting Employee Well-Being in Uncertain TimesMetLife’s 18th Annual U.S. Employee Benefit Trends Study 2020 What You’ll Learn: – The New …Industry Reports, , , , , , , , , , , industry-reports2020 benefits-communication covid-19 employee-benefits employee-communication employee-engagement employee-stress employee-well-being holistic-well-being metlife trends well-being
Open Enrollment ChecklistPlan ahead for a successful and positive open enrollment period with this 2021 checklist.Forms & Checklists, , , , forms-and-checklists2021 employee-benefits hr open-enrollment workest
Making the Case for Voluntary BenefitsThe evidence is in. Voluntary benefits are an essential part of a complete employee benefits …Infographics/Charts, , , , , infographics-chartsemployee-benefits employer-benefits hr hub-international voluntary voluntary-benefits
December 2022: Detailed Look at State, Local and Federal UpdatesTopics covered in this issue: State/Territory/District: – Arizona Updates Individual Income Tax Withholding Form – …Legal & Compliance Updates, , , , , , , , , , legal-compliance-updates2022 adp arizona-az colorado-co eye-on-washington indiana-in legislative-updates massachusetts-ma oregon-or pcori-fee state-local-federal
January 2023: Timely, Topical Insights on a Variety of Payroll & Reporting IssuesTopics covered in this issue: State/Territory/District: – Arizona Reduces Amount of Earnings Subject to Garnishment …Legal & Compliance Updates, , , , , , , , legal-compliance-updates2023 adp arizona-az california-ca legislative-updates secure-2-0-act senate-bill-1162 state-local-federal uscis
January 2023: SECURE 2.0 Act of 2022 Makes Sweeping Changes to Retirement Savings PlansOn December 29, 2022, the Consolidated Appropriations Act of 2023 (HR 2617) was signed into …Legal & Compliance Updates, , , , , legal-compliance-updatesadp consolidated-appropriations-act-of-2023-hr-2617 legislative-updates retiree-benefits retirement-savings-plans secure-2-0-act
March 2023: Detailed Look at State, Local, and Federal UpdatesTopics covered in this issue: State/Territory/District: – California Updates Guidance and Resources for New Pay …Legal & Compliance Updates, , , , , , , , , , , , , , , , , , , , legal-compliance-updates2023 adp california-ca dol eye-on-washington healthy-workplaces-act house-bill-20 illinois-il minimum-wage new-mexico new-york paid-leave paid-sick-guidance pay-data-reporting-rules senate-bill-1162 senate-bill-1961b senate-bill-208 state-local-federal veteran-benefits wa-cares washington-wa
A Path Through the Storm Headspace for Work: 2020 Mental Health Trends ReportCOVID-19 revealed that people really do bring their whole selves to work — and employers …Industry Reports, , , , , , , , industry-reports2020 anxiety-depression covid-19 emotional-well-being employee-benefits headspace-for-work mental-health trends workplace-stress
Make Your Voluntary Benefits Work: Understand the 9 common mistakes that can sabotage your employee benefitsLearn how to avoid the 9 common mistakes that limit the effectiveness of your voluntary …eBooks/Guides, , , , ebooks-guidesbenefits-program best-practices employee-benefits hub-international voluntary-benefits
Benefit Administration & Online Enrollment Systems Guide: for School, City, &County EmployersChoosing the right benefit administration and enrollment software system for your school, city, or county …eBooks/Guides, , , , , ebooks-guidesbenefits-administration city-county-employers enrollment-systems national-insurance-services-nis online-enrollment school
Voluntary Benefits 101: A starter guide for busy employersVoluntary benefits 101 is for businesses who want practical information about voluntary benefits without the …eBooks/Guides, , , , , ebooks-guides2022 buyers-guide colonial-life employee-benefits faqs voluntary-benefits
Build a Better Employee Benefits Program to Attract & Retain TalentEmployee benefits can be one of your most powerful tools for attracting and retaining talent. …eBooks/Guides, , , , , , , , , , , , , , ebooks-guides2022 adp attract-retain-talent benchmarking benefits-analytics benefits-communication benefits-essentials benefits-program dei decision-support employee-benefits flexible-working-environment personalization regulatory-monitoring voluntary-benefits
Retailer Benefits By Providing Telehealth to Uninsured & Unenrolled WorkersNational Retailer decreases employee presenteeism, improves job satisfaction and saves $1 million in productivity costs …Case Studies, , , , , , case-studies2022 cirrusmd employee-presenteeism retailer telehealth unenrolled uninsured
Caregiver Benefits: Your Competitive Advantage in the Race for Top TalentToday, 53 million, or 1 in 5 American adults, are caregivers.1 And 70 million people …eBooks/Guides, , , ebooks-guides2022 caregiving employee-benefits papa
A New Era of Generative AI for EveryoneThe technology underpinning ChatGPT will transform work and reinvent business.Industry Reports, , , , , industry-reports2023 accenture ai innovation technology trends
4 Technology TrendsPOWERED BYInfographics/Charts, , infographics-chartsaccenture technology trends
Voluntary Benefits A Strategy for Capturing the Underserved Middle MarketIn this report we will explore the marketplace that’s come to be known as “voluntary …Industry Reports, , , , , industry-reportsaccenture insurance insurers middle-market strategy voluntary-benefits
7 Steps to a Voluntary Benefits Program That Really WorksVoluntary benefits are an essential part of a complete employee benefits plan – one that …Forms & Checklists, , , forms-and-checklists2020 employee-benefits hub-international voluntary-benefits
Stretch benefits’ boundaries: The new reality in group and voluntary benefitsInsurers’ growth in the group and voluntary benefits markets hinges on managing emerging challenges with …Industry Reports, , , , industry-reports2020 benefits kpmg trends voluntary-benefits
2020 Pulse of HR Survey: Stepping Up to LeadThe year 2020 has challenged HR leaders like never before, yet they continue to play …Surveys/Research, , , , , , surveys-research2020 covid-19 employee-engagement hr paychex strategy technology
Spring Budget 2023 factsheet – DisabilityThe White Paper sets out ambitious and extensive reforms so more disabled people and people …White Papers, , , white-papers2023 disability gov-uk policy-paper
Setting up a 401k: A How-To for EmployersThe decision to set up a 401k is a worthy one for many businesses. It …eBooks/Guides, , , , ebooks-guides2023 401k adp roth-ira simple-ira
What is a cafeteria plan (also known as a section 125 plan)?A cafeteria plan is a cost-effective way for businesses to sponsor benefits packages. It offers …eBooks/Guides, , , ebooks-guides2020 adp cafeteria-plan section-125
Why You May Need Life And Disability Insurance — At Any AgeDisability (Fact Sheet)How would you pay your monthly bills and living expenses if an injury or illness …Fact Sheets, , , , , , fact-sheets2023 baby-boomers disability-insurance generation-x generation-z millenials renaissance
4 Strategies to Boost Employee Wellness with Voluntary BenefitsAs employees face uncertainties around health coverage, financial and job security and retirement planning, smart …Fact Sheets, , , fact-sheets2022 renaissance strategy voluntary-benefits
The Benefits Behind the BenefitsAncillary benefits such as dental, vision, life and disability insurance can help employers like you …Infographics/Charts, , infographics-charts2022 ancillary-benefits renaissance
Ancillary Benefits Can Be a Win-Win for Business Owners & EmployeesStrategies for boosting employee well-being while supporting your bottom line.eBooks/Guides, , , , ebooks-guides2022 ancillary-benefits renaissance supplemental-insurance voluntary-benefits
The Right Benefits Can Help Boost Employee Health & ProductivityIf a lack of dental or vision insurance is preventing your employees from seeking regular …Infographics/Charts, , , , infographics-charts2022 benefits dental renaissance vision
Disability: 8 Common Causes You May Not KnowOne of the most frequent misconceptions about disability insurance is that you’ll never need it, …Infographics/Charts, , infographics-charts2022 disability renaissance
WE GOT YOU COVERED: Episode 1GUEST SPEAKER: Keith Reynolds, Owner of RVN TV October 4, 2019Videos, , , videos2019 keith-reynolds rvn-tv we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 2GUEST SPEAKER: John D’Angelo, CEO of The Forza Insurance Group October 17, 2019Videos, , , videos2019 john-dangelo the-forza-insurance-group we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 3GUEST SPEAKER: Page Elliott, Consultant JPK, Secure Healthcare Solutions October 18, 2019Videos, , , videos2019 page-elliott secure-healthcare-solutions we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 4GUEST SPEAKER: Joel Horowitz, Partner, McCarter & English October 25, 2019Videos, , , videos2019 joel-horowitz mccarter-english we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 5GUEST SPEAKER: Dominick Belfiore, Lead Business Opportunity Specialist, U.S. Small Business Administration November 01, 2019Videos, , , videos2019 dominick-belfiore u-s-small-business-administration we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 6GUEST SPEAKER: Jim Christenson, President & CEO, Voluntary Benefits Specialists November 15, 2019Videos, , , videos2019 jim-christenson voluntary-benefits-specialists we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 7GUEST SPEAKER: Kyle Gallagher, Senior Vice President, GradFin November 22, 2019Videos, , , videos2019 gradfin kyle-gallagher we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 8GUEST SPEAKER: Fan Xi, Chief Medical Director, GriffinNX November 29, 2019Videos, , , videos2019 fan-xi griffinnx we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 9GUEST SPEAKER: Andrew Flanagan, Account Executive Delta Dental of NJ December 06, 2019Videos, , , videos2019 andrew-flanagan delta-dental we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 10GUEST SPEAKER: Ed O’Mally, Practice Leader, Gallagher Benefits December 20, 2019Videos, , , videos2019 ed-omally gallagher-benefits we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 11GUEST SPEAKER: Shay Cowan, Principal, Katz/Pierz January 12, 2020Videos, , , videos2020 katz-pierz shay-cowan we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 12GUEST SPEAKER: Len Feltoon, Esq. President, Countrywide, Pre-Paid Legal Services, Inc. January 17, 2020Videos, , , videos2020 len-feltoon pre-paid-legal-services-inc we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 13GUEST SPEAKER: Jim Hilliard, Associate Professor of Instruction at Temple University January 17, 2020Videos, , , videos2020 jim-hilliard temple-university we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 14GUEST SPEAKER: Lee Stokes, Chief Marketing Officer, I Enroll Solutions January 24, 2020Videos, , , videos2020 i-enroll-solutions lee-stokes we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 15GUEST SPEAKER: Steve Frankel, Director, Corporate Services, Farmington Company February 21, 2020Videos, , , videos2020 farmington-company steve-frankel we-got-you-covered-wgyc
WE GOT YOU COVERED: Episode 16GUEST SPEAKER: Randy Nemeroff, Founder, PerkPlans November 08, 2019Videos, , , videos2019 perkplans randy-nemeroff we-got-you-covered-wgyc
Guide to Restructuring Retiree Benefits for School, City, and County EmployersIn this guide, you will find helpful steps to identify your needs, assess costs and …eBooks/Guides, , , , , , , ebooks-guides2004-gasb-governmental-accounting-standards-board city-and-county defined-benefit-plan defined-contribution-plan national-insurance-services-nis other-post-employment-benefits-opeb retiree-benefits school
Why Integrated HRAs May Work Better than HSAs for School, City, and County EmployersSchools, cities, and counties around the country are moving toward higher deductibles on their health …, , , , , , city-and-county health-reimbursement-arrangement-hra health-savings-account-hsa hras hsas national-insurance-services-nis school
Taxability of Employer-Provided Group Term Life Insurance BenefitsEmployers can provide their employees with up to $50,000 of group term life insurance coverage …eBooks/Guides, , , , , , , , , ebooks-guidesbenefits employer-provided group-term-life-gtl insurance irc-%c2%a779-requirements nis supplemental-insurance taxability voluntary-benefits voluntary-term-life-insurance
IRS Dramatically Expands Electronic Filing Mandate in 2024The Internal Revenue Service (IRS) released final regulations on February 21, 2023 requiring organizations to …Legal & Compliance Updates, , , , , , , , legal-compliance-updates2023 adp effective-2024 electronic-filing-mandate eye-on-washington irs legislation section-2301 taxpayer-first-act-tfa
How the End of the Public Health Emergency Impacts Employee Benefit PlansMany employers may have questions and concerns about the impact of the anticipated May 11, …Legal & Compliance Updates, , , , , legal-compliance-updatesadp covid-19-national-emergency dol eye-on-washington hhs public-health-emergency-orders
Health Insurance Rx: 5 Remedies to Slow Escalating Costs NowAs health insurance costs rapidly rise, schools, cities, and counties are looking for solutions to …eBooks/Guides, , , , , , , , ebooks-guidescity-and-county employee employee-benefits health-insurance lower-costs national-insurance-services-nis rx-benefit school wellness
February 2023: Detailed Look at State, Local and Federal UpdatesTopics covered in this issue: State/Territory/District: – California Updates Guidance and Resources for New Pay …Legal & Compliance Updates, , , , , , , , , , , , legal-compliance-updates2023 adp california-ca colorado-co district-of-columbia-dc eye-on-washington illinois-il michigan minnesota new-jersey-nj new-york pay-data-reporting-rules puerto-rico-pr
Business and Technology Trends 2023: Group Life and Voluntary BenefitsThis report provides an overview of group life and voluntary/worksite carriers’ business and technology issues, …Industry Reports, , , , , , , , , , , , , , industry-reports2023 aitenovarica billing claims customer-engagement data-analytics digital distribution insurer market marketing product-development technology trends underwriting
Benefits Trends to Watch in 2023: Cost Containment, Mental Health and MorePUBLISHED BY     By Kathryn MayerArticles, , , , , , articles2023 benefits cost-containment mental-health shrm trends voluntary-benefits
Benefit Administration & Online Enrollment Systems Buyers GuideDownload your complimentary score sheet, pricing table, and sample RFP questions.Toolkits, , , , , , toolkitsbenefits-admin benefits-administration national-insurance-services-nis online-enrollment rfp score-sheet vendor-pricing-table
Advantages of Employee CareThis year’s MetLife Employee Benefit Trends Study reveals how employers that demonstrate care for their …eBooks/Guides, Industry Reports, Surveys/Research, , , , , , ebooks-guides industry-reports surveys-researchemployee employee-experience employee-well-being holistic-well-being human-centric metlife research
The New Standard in Virtual CareSPONSORED BY  +  A digital medical practice that makes expert Primary & Speciality Care affordable …Presentations, , , , , , , , presentations24-7-365-virtual-physician-access digital-medical-practice galileo healthcare-innovation prescription-drug rx-benefit speciality-care supp-rx virtual-care
How to Save Your Eyes in the Digital Age: The Handbook on Blue Light, Screen Time, Health, and ElectronicsAs Screen Time Skyrockets, the Time to Address Blue Light is Now! The COVID-19 pandemic …Handbooks, , , , , , , , , , handbooksblue-light electronics eye-care eye-safety eyesafe screen-time screen-use technology the-digital-era united-healthcare vision
Prioritizing Caregiving Support for Employee Mental HealthEmployee mental health continues to be a focus for employers. In fact, a WTW survey …eBooks/Guides, , , , ebooks-guides2022 caregiving mental-health well-being wellthy
Medicare Decoded Shocking FactsHelping millennials protect their nesters helping employers save millions. By: Rick SolofskyeBooks/Guides, , , , , , ebooks-guidescovid-19-updates employee-benefits employer-benefits factsheets medicare millennials rick-solofsky
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Employee Identity Protection: An Essential Part of Every Wellness ProgramAttract top talent and protect your employees with identity protection benefits. A comprehensive approach to …Articles, , , , articlesfinancial-well-being hr-com identity-theft identity-theft-protection infoarmor
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Bridging the Gap Between HR & SafetyOne important aspect a Human Resources team handles is employee training. Much like HR in …eBooks/Guides, , ebooks-guidesemployee-benefits hr safety
2022 HR and Benefits ReportEvery year brings new challenges for growing businesses. Mineral and BenefitsPRO’s 2022 HR and Benefits …Industry Reports, , , industry-reportsbenefits benefitspro hr mineral
A Small Business Guide: Ancillary Benefits Can Be a Win-Win for Business Owners & EmployeesStrategies for Boosting Employee Well-Being While Supporting Your Bottom Line! Designed to supplement medical insurance …White Papers, , , , , white-papersancillary-benefits employee-benefits financial-well-being renaissance small-business voluntary-benefits
2021 Employee Benefits Benchmark ReportThis 2021 employee benefits benchmark report demonstrates how employers across the nation are responding to …Industry Reports, , industry-reportsbenchmark-report cbiz employee-benefits
2022 USI Employee Benefits Market OutlookUSI’s 2022 Employee Benefits Market Outlook addresses these and other trends, and provides practical solutions …Expert Interviews, Surveys/Research, , , , , expert-interviews surveys-research2022 employee-benefits market reports trends usi
Worksite Marketing: A Promise to DeliverHow to Turn Voluntary Benefits into Visible Results A must read for agents, brokers, consultants, …eBooks/Guides, , , ebooks-guidesexpert-insights industry-secrets marketing voluntary-benefits
How PEO’s Add Value for Brokers & Your ClientsLearn how a PEO can help equip your clients with tools needed to focus on …eBooks/Guides, , , , , ebooks-guidesbroker-client-tools brokers clients justworks peos tools
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Healthcare Reform’s Effect on Voluntary Benefits & Limited Medical PlansWhite Papers, , , , , white-papersaca commissions voluntary-benefits-association-vba healthcare-reform vba voluntary-benefits
Fixing American HealthcareFixing American Healthcare – Restoring trust in the U.S. Healthcare system for patients, physicians, and …eBooks/Guidesebooks-guides
Health Insurance Revolution – The Power of Reference Based PricingHealth Insurance Revolution The Power of Reference Based Pricing. Navigating the game-changing power of reference-based …eBooks/Guidesebooks-guides
LTC Legislative Update – 6/16/22SPONSORED BYLegal & Compliance Updates, , legal-compliance-updates2022 ltc updates
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MetLife 2023 Annual Employee Benefits Trends ReportThe latest MetLife study has revealed that in times of talent shortages and economic uncertainty, …Handbooks, White Papers, , handbooks white-papers2023 metlife trends
Health Insurance RevolutionNavigating the Game-Changing Power of Reference-Based Pricing for Group-Health PlansHandbookshandbooks
2022 Long Term Care UpdatesLearn crisis management strategies advisors and their clients can use to combat rising costs of …Presentations, , , , , , , presentationsclass-act federal-updates long-term-care ltc-marketplace ltc-tax-programs mandates state-mandates wa-cares-fund
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Unleashing Business Logic to Enable Express TransformationTransform business logic of any complexity into opportunities.Presentations, , , , , , , , , , , , , presentationsactuaries business-logic business-transformation c-suite-insurance-executives carriers coherent data excel insurance-professionals internet-technology-it product-innovation renewal-efficiency spark-saas-platform systems-integration
Healthcare: Candy & CavitiesNeil Model is an employee benefits expert with over 40 years of experience in successfully …White Papers, , , , , , , , , white-papersbalance-billing claims-costs healthcare-pricing medical-billing out-of-pocket-maximums-oopm rbp-contracts reference-based-pricing-rbp rfp-contracts surprise-billing transparency
Voluntary Benefits TaxationAre you considering allowing employees to pay pre-tax for supplemental insurance benefits (often called “voluntary …White Papers, , , , white-paperscompliance supplemental-insurance tax-codes tax-rules voluntary-benefits-taxation
Pharmacy Transparency: Cutting Through the FogNeil Model is an employee benefits expert with over 40 years of experience in successfully …White Papers, , , , , white-paperscbiz coupons pharmacy-spending rebates spread-pricing transparency
Cyber Security & Data Protection UpdatesWith cybercrime up 400%, CJ Brunet, provides industry advancements and insight in data security and …Presentations, , , , , , , , , , , presentationsantivirus-software cj-brunet cyber-security cybercrime cyberidlock cybersecurity-technology data-security endpoint-lock identity-theft identity-theft-protection keylogging-spyware keystroke-encryption
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ERISA and Safe Harbor 2020Includes ERISA: Employer Considerations & Voluntary Benefits, Definition, Safe Harbor, and RequirementsWhite Papers, white-paperserisa safe-harbor-act
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If you are interested in submitting content for us to upload to the HVBA Members-Only Resource Library please call (856) 200-8024 or email shunt@vbassociation.com.  

Please note that all content submitted must first be reviewed and approved by HVBA’s Resource Library Committee prior to inclusion into the document library.

The Most Important Benefit

Cybercrime is the number one crime in the world according to the Cybersecurity Infrastructure Security Agency (CISA) and is expected to reach over $10 Trillion in damages by 2025.  The trend is expected to continue rising for many years.  The major targets are businesses, employees and their families that have not taken the time to strengthen their cyber security defenses.  

When an employee loses their reputation and finances to Identity Theft, it literally turns their world upside-down.  It is an exigent emergency that takes them away from work, causes extraordinary financial strain and demands, and requires extensive legal resources to remedy.  Most employees have some notion that this is dangerous, but don’t fully understand the impact.

Wouldn’t it be nice to spare them this pain and angst?  Wouldn’t it be nicer to have your employee focused and at work instead of calling out in a panic due to this emergency?  You can protect them, and protect your business, proactively.  

The tools used by cyber criminals include viruses embedded in emails, texts (smshing), ransomware, malware, websites, and other means.  Trusted, vetted security tools can prevent nearly all of this, but they are not all the same.  Whitelist antivirus, for example, is one of the only tools that can stop previously unknown attack methods including Zero-Day malware and Ransomware.  Having a team of experts identify and vet these tools can provide you with significant advantage and overcome the “technology gap.”  With more people working from home and remotely it has now become a “target rich” environment for the cybercriminal, particularly because they lack the more common (but expensive) protections in place for larger corporate networks.  

Individuals, families, and businesses that have experienced these crimes know the devastating consequences that result from them.  All too often people’s life savings are wiped out, and families made destitute.  

Many small businesses that have experienced these types of attacks are often out of business within months after an attack as a result because the recovery cost most often exceeds available capital reserves.

So, what is the answer or remedy for this bad news?  Well one answer is to build up your cybersecurity defenses so that your business and your employees are NOT easy targets.  Cyber criminals (like most criminals) will not spend their time, money or efforts on a business or person if they have a robust defense posture – their goal is to steal, and there are plenty of easy targets to attack if you and your employees become a “hard target.”  

That defense begins with your employees’ cybersecurity.  They are your first line of defense.  If you don’t defend them, they can fall prey to these consequences, and your business will suffer from a loss of staff and potentially a loss of your own assets.  

Years ago, miners would take a canary with them when they went into a mine.  The canary was the active warning system to warn of dangerous gases.  The canary would sometimes die; but it would always warn the miners that dangerous gases were present.  But employees are not canaries.

Employees of a company all too often serve as the first warning that something is not right.  If a business starts seeing people in their company become victims of cybercrime, that’s a major clue.  But at that point, protecting those employees’ costs hundreds of thousands of dollars just for the employee’s recovery of their identity, reptation and correction of their credit score, not to mention the absences and sub-par performance of an employee under such extreme stress.  Educating them as to the risk and consequences builds an appreciation for the benefit.  Providing protections including proactive security and identity theft coverage will also build loyalty from them knowing that their employer is actively looking out for safety and concern.

Employees working remotely need protection for their cyber assets too, because they likely use their own computers to work from home, and most certainly connect to their home network before they access your company network.  If they get a cyber infection and connect to work, they bring that infection with them and likely spread it.  But unlike a human, it’s not obvious that the computer is sick, until it’s too late.  Protecting them is protecting yourself, in several different ways as we’ve articulated.

You need coverage with vetted, trusted, proper cybersecurity protection.  Today, coverage for cyber security protection is no longer a luxury but a necessity for companies and their employees as the statistics clearly show that there are more and more victims every year.  

Some companies’ leadership know other people who have suffered cyber-attack and the nightmare of recovery, while others think “It hasn’t been me, thus it won’t be.”  The latter perspective is like saying “I’m a good driver, so I don’t need car insurance.”  It ignores mechanical failures, road conditions, weather and other drivers, the combination of which are responsible for far more issues than the driver is.  We’ve enumerated some of the more serious consequences in this article but by far, not all of them.  Since 2005 when it began, the Common Vulnerabilities and Exposures project (https://www.cve.org/) has counted 198,881 publicly known computer and network security vulnerabilities and exposures. That’s an average of 30 issues a DAY since 2005, and the pace is accelerating.  And that’s just the Publicly known issues.  Ten Trillion dollars damage ($10,000,000,000,000.00) a year by 2025 may be a gross underestimate.  

Do what is necessary to get your and your employees protected.  Employee coverage should include a NIST Compliant Whitelist Antivirus, Identity Theft program, VPN, Password Manager and Vault and cyber safety training at minimum.  As a business owner you probably want to consider becoming compliant with NIST cybersecurity recommendations, the Capability Maturity Model Certification (CMMC) and reviewing which security systems have been reviewed and approved for use by the federal government (FedRamp Certifications).  

Remember that criminals will attack the easiest targets and ignore the hard targets until later.  The best offense against these cybercrimes is a good defense.  This is a case where you DON’T want to be the last adopter in the market.  Don’t be an easy Target.    

Chris Kirkland, CEO 
Doug Gould, CTO
Cyber Team U.S.
www.cyberteamus.com

PlanSource- Eclipse- Blew our socks off!

The Health & Voluntary Benefits Association® (HVBA) had the distinct pleasure of attending PlanSource’s elite event Eclipse in Nashville, TN. PlanSource is a technology company that automates and simplifies every aspect of employee benefit programs, so employees and HR teams can make smarter, more confident benefits decisions. 

What an experience we had learning all about how PlanSource is such a versatile technology platform for employers who are truly looking for an engaging tool that helps employees navigate their benefits and offerings in one simple-to-use software. I was amazed at the ability of the software to easily be white-labeled for employers to use as their intranet site for all things benefits with their new product, The Source.

The team at PlanSource brought their best partners together for a 2023 update and to gain insight from their partners on what they are doing well and what they could do better. They presented their 2023 goals which included even better integrations, a faster onboarding process, and such ease for employers to get everything they offer in one spot for their employees to access.  

Some of the staggering statistics were mind-boggling. One stated that employees typically spend about 15 minutes selecting their benefits. With so much at stake, easier software with a better user experience could help employees get the benefits that fit their current needs and see benefits that will help them in their future from a health and wealth perspective. 

The most impressive experience at this event was the interactive round tables where the C-Suite team of PlanSource took time with small groups asking pointed questions surrounding their service as well as getting perspectives on pain points that brokers face and employers experience and how to best to solve challenges with a much more robust communication strategy for employees to easily engage and get the most from what their employer is offering in terms of benefits.

Finally, the fun. The meeting was interactive, and the evening events were well executed. We got to have a taste of Nashville at The Gibson Garage where a delicious dinner was served, and we got to hear the songwriter’s version of many songs written for some of the most famous entertainers in the country.

What a great experience all around. PlanSource is a step above the rest with its customer-centric focused approach to servicing its clients.

The Health & Voluntary Benefits Association (HVBA), is the nation’s largest, leading non-profit in voluntary benefits, also known as ancillary or supplemental insurance. As THE national influencers we serve as the central point of communication for the industry, offering networking, education, and the latest updates on the trends, best practices, and innovations for:

  • Insurance Brokers & Consultants
  • Carrier Representatives
  • Human Resource Executives
  • Voluntary Benefit Service Providers

We focus on improving the health of our partners and their teams through the sharing of proven strategies and success stories of employee benefit solutions.

Wanderers Add U.S. Based Sports Enthusiasts to the Boardroom

Dorking Wanderers have today confirmed that they have added to their senior management team with new shareholders, Rob and Kyle Shestack from the United States.

Sports enthusiasts Rob and Kyle, who are also huge Philadelphia Eagles fans, join the Wanderers set-up following several months of positive dialogue with the Wanderers board. After developing a passion for Dorking Wanderers from afar, they will primarily be responsible for building the clubs profile and followers both in the United States and across the globe.

Rob is an Actuary by trade, and Kyle specialises in the insurance sector, so they bring a wealth of business acumen to add to the Wanderers management structure as the club embarks on the next chapter of it’s non-league journey.

“Once I stumbled upon the Dorking story I was hooked. I read and watched many interviews that Marc had done, saw the Bunch of Amateurs episodes, saw the British record of promotions, and thought this could be the perfect opportunity to attempt to get involved with a special club. I researched the community and saw how unique the story was and how much the club means to the town. I shared this insight with Rob and he agreed that it would be worth reaching out. After getting in touch the club got straight back to me, and over the next few months Marc and I spoke almost daily on what it would look like for us to join the Wanderers. The rest as they say is history and we’re looking forward to playing our part in helping DWFC reach its full potential”.

Kyle Shestack

Executive Director Kris Lea said: “We are delighted to welcome Kyle and Rob to our boardroom. Their enthusiasm is infectious, and they have demonstrated from the outset a real desire to help the club move forward. The senior management team felt that they would be a great fit, and we are looking forward to seeing the positive impact they will make on the club stateside”

Kris Lea, Executive Director, DWFC

Both Rob and Kyle are in the UK for the Wanderers home fixture versus Torquay United on February 21st (when they will be introduced to supporters before the match), and Wrexham away on February 25th.

To learn more, visit: dorkingwanderers.com

Health & Voluntary Benefits Association® Announce Strategic Partnership

Triada Health has signed on as the newest HVBA Corporate Sponsor

Houston – January 25, 2023 The Health & Voluntary Benefits Association® (HVBA) is delighted to announce our newest strategic partnership with Triada Health. Combining the HVBA’s commitment to Employee Benefits Education and Triada’s desire to offer hassle-free, affordable products. It’s a convenient way to address needs within the benefits community.

HVBA is the first national non-profit trade association focused on Voluntary Benefits for employer groups and affinity groups. Their goal is to promote the education, communication, implementation, and enrollment of Voluntary Benefits in the workplace. Unlike other organizations that focus strictly on the Agent/Broker community; the Insurance Carriers or solely engage with the Human Resources and Benefits Community; HVBA is dedicated to the entire Group Healthcare & Employee Benefits Ecosystem.

The partnership allows for great benefit strategies with a potential to deliver breakthrough client results. “The HVBA has a strong makeup of industry leaders and champions of employee benefit solutions and we are excited to partner with the HVBA to help brokers and consultants deliver real value and innovative solutions to employers and employees across America, in all
50 states, at a time when they have never needed it more,” says Dennis Ontaneda, Sales Vice President at Triada.

“We are very excited to welcome Triada Health to the HVBA team. The voluntary benefits industry is evolving, and we know there is a need for advancements around products and enrollment solutions. We are confident Triada Health addresses the industry’s need for the design of “cutting-edge” products and innovations in technology. Triada Health’s expertise and new product designs will help propel the voluntary benefits industry to the next level.” Robert S. Shestack, Chairman & CEO, of the Health & Voluntary Benefits Association®.

About Triada Health

Triada Health is a provider of supplemental health benefits solutions, driven by technology and an integrated customer experience. The solutions are distributed through independent brokers and agents to employer groups of varying sizes. With products designed to integrate seamlessly into medical plans Triada strives to help employers create ways to improve their benefit strategies. Triada’s insurance solutions are available in all 50 states (including New York). Learn more at https://www.triada.com/ or follow Triada Health LLC on Linkedin.

About the Health & Voluntary Benefits Association®

Founded in 2008, The Health & Voluntary Benefits Association® (HVBA) is the nation’s largest, leading education and information non-profit association in voluntary benefits industry. As the foremost national influencers, we serve as the central point of communication for the industry. For further information or questions, please contact: Jenny Jenkins, Managing Director, at 561-398-1060 or jjenkins@vbassociation.com.

The Health & Voluntary Benefits Association® (HVBA) is pleased to announce the acquisition of the “Daily Insurance Report.”

The Health & Voluntary Benefits Association® (HVBA) is pleased to announce the acquisition of the “Daily Insurance Report.”

  • The Health & Voluntary Benefits Association®, is the nation’s largest non-profit benefits industry association focused on Voluntary Benefits for employer and affinity groups, with over 10,500 LinkedIn members.
  • The “Daily Insurance Report” is subscribed to by 25,000 elite insurance industry influencers who receive it Monday – Friday and have a quick overview of what is appearing in the media regarding the insurance industry: with an emphasis on life, health, and employee benefits.

Philadelphia, PA / January 3rd, 2023
Robert S. Shestack, CFF, CVBS, is pleased to announce the acquisition of the “Daily Insurance Report” by the Health & Voluntary Benefits Association®. “Adding the resources of the “Daily Insurance Report” to our catalog of services provided to our membership and industry organizations will significantly enhance the value we bring to the employee benefits industry,” said Mr. Shestack.

“We are also excited to enlist the addition of industry icon and veteran, Walt Podgurski, publisher, who will become a HVBA Executive Board Member & Advisor, and continue to assist with the newsletter production and related media services” Shestack continued.

Walt Podgurski released the following statement: “It is a privilege to join the HVBA in their pursuit of voluntary employee benefit plan excellence. I look forward to working with Rob, Jenny, Sarah, and the entire team, including the Board of Directors, Members, Brokers, Sponsors, and Clients to bring meaningful and relevant services to the people and organizations engaged in the sales and service of employee benefit plans.”

The Health & Voluntary Benefits Association®, is the nation’s largest industry specific association focused on Voluntary Benefits for employer and affinity groups.

As THE national influencers we serve as the central point of communication for the voluntary benefits industry, offering networking, education, certifications and latest updates on the trends, analytics, best practices, and innovations for:

  • Insurance Brokers & Consultants
  • Carrier Representatives
  • C-Level and Human Resource Executives
  • Voluntary Benefit Service Providers
  • Third-Party Administrators
  • Insure-Tech & Start-Up Entrepreneurs

The focus of the HVBA is improving processes and outcomes for our partners and their teams through the sharing of proven strategies and success stories of employee benefit solutions.

For more information, visit: https://vbassociation.com/.