Do you want more employee passion?
Do you want more productivity?
Do you want more profits?

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! How to calculate employer health care responsibilities

By Ken Tysiac

In compliance with new health care employer responsibility regulations, two halves indeed equal a whole for employers when they determine their number of full-time employees.

To determine whether a business is subject to the employer mandate penalty under the Patient Protection and Affordable Care Act (PPACA), P.L. 111-148, the business must determine the number of its full-time employees, which includes its full-time equivalent employees (FTEs). An employer’s FTEs are based on the hours worked by its part-time workers. The number of an employer’s FTEs for a month is the total part-time employee hours for the month divided by 120.

In 2015, to avoid paying the employer mandate penalty, employers with 100 or more full-time employees are required to offer health care coverage to employees that provides minimum value and is affordable. Employers with 50 to 99 full-time employees can certify to the IRS their employer size and certain other items to delay application of the rule until 2016.

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Tip Tuesday! The pros and cons of refusing to hire smokers

By Tim Gould 

Now that Obamacare has kicked in, more and more companies are refusing to hire people who smoke. But some legal dangers do remain.  

As we pointed out in a post in February 2013, there’s no federal law that protects smokers or entitles them to equal protections when it comes to hiring, promotions, etc. That’s because the Equal Employment Opportunity Commission doesn’t recognize smokers as a protected class.

And Fisher & Phillips attorney Kytle Frye, writing on the Becker’s Hospital Review website, points out that the Patient Protection and Affordable Health Care Act actually recognizes the increased healthcare costs associated with smoking employees by allowing insurers to raise smokers’ insurance premiums up to 50 percent over those paid by non-smokers.
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Tip Tuesday! Final Regulations Issued on Section 6056 Reporting of Health Insurance Coverage


As mentioned in recent editions of Eye on Washington, there has been a flurry of activity regarding the Affordable Care Act (ACA). On March 10, 2014, the Internal Revenue Service (IRS) published long-awaited final regulations regarding employer information reporting concerning health insurance coverage offered under employer-sponsored plans, under Section 6056. This Eye on Washington provides a brief overview of highlights and key elements of this reporting, and noteworthy changes from the proposed regulations.

As background, Applicable Large Employers (ALEs) must file annual returns with the IRS to report the healthcare coverage offered to full-time employees[1] and their dependents. An ALE is an employer that employed (aggregated with members of its controlled group) an average of at least 50 “full-time employees” (including “full-time equivalent employees” (FTEs)) on business days during the preceding calendar year.

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