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Then welcome to Benefit Advisors!

Benefit Advisors is a leading provider for Group Insurance, Human Resource Management and Employee Engagement Programs. We assist employers in attracting and retaining the best possible employees by providing valuable employee benefits such as group health insurance, life insurance, short and long term disability insurance, dental and vision insurance packages. These same employers look to us for their Human Resource Compliance Management and Employee Engagement Programs.

Featured News


Tip Tuesday! Feds unveil final Obamacare out-of-pocket limits

By Jared Bilski

The U.S. Department of Health and Human Services (HHS) just released the final regs on 2016 out-of-pocket maximums under the Affordable Care Act.
But the information the agency tucked away in the reg’s preamble is something employers are really going to want to take note of.

Each covered family member

For 2016, the out-of-pocket maximum for self-only coverage will be $6,850; and for non-self-only (family) coverage it will be $13,700.

Despite the clear distinction between self-only and family coverage, HHS said that all plans will now have to have “embedded” out-of-pocket limits for each individual covered under a family plan.

In other words, each member in the family plan would only be subject to the individual cost-sharing limit for his or her expenses instead of the higher family limit of $13,700.

With the 2016 limits in mind, here’s an example of how the embedding rule would apply to family plan with a $10,000 out-of-pocket maximum, courtesy of at Bryan Cave Benefits and Executive Compensation Blog: If one person in the plan racked up $20,000 in medical expenses, that individual could only be asked to pay the self-only $6,850 max – and the plan would be responsible for the other $13,150.

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Tip Tuesday! Employee handbooks: Is yours keeping pace with the times?

By Tim Gould

It’s an easy task to overlook. But keeping your employee manual up to date is crucial in today’s ever-shifting maze of workplace rules and regs.

Need an example? Consider this: Paid sick leave tops the list of emerging issues most commonly addressed in employee handbooks, with an impressive 79.4% of respondents addressing this new legal trend in their handbooks, according to a new survey of HR pros from XpertHR.

Data privacy is the second most common issue addressed (67.2%) and social media is a close third (64.2%).

Pretty big difference from just five or 10 years ago, right?

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Tip Tuesday! Feds offer a first look at the upcoming ‘Cadillac Tax’

By Jared Bilski

Even though the “Cadillac Tax” doesn’t take effect until 2018, it’s one of HR pros’ biggest concerns regarding the entire Affordable Care Act. Now, for the first time, the feds are offering guidance on how this tax will be calculated.  

Starting in 2018, employers will be required to pay a 40% excise tax on the value on any healthcare coverage that exceeds $10,200 for single coverage or $27,500 for families in premium costs.

Many firms have already determined they’re likely to be impacted by this tax in 2018 or soon after.

But even though they’ve been making decisions in anticipation of that tax, until now, the feds haven’t given any details on what to expect.

1. Pretax HSA contributions

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Benefit Advisors has been chosen as one of Florida Trend's again in 2014. Benefit Advisors has been chosen as one of Florida Trend's top 100 Companies to work for the past four years, 2009 to 2013.