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! Health savings accounts: Little-known ERISA pitfalls to watch for

By Jared Bilski

With high-deductible plans coupled with health savings accounts (HSAs), becoming the plan of choice for many employers, HSAs are under the microscope more than ever before. 

That means now is probably a good time for a refresher on how the feds expect firms to administer HSAs as well as the types of activities that could get employees in trouble.

Key DOL requirements

Generally, HSAs are considered “welfare benefit plans,” which makes them exempt from ERISA’s many detailed requirements.

But to maintain that ERISA exemption, HSAs must meet certain DOL requirements (which can be found here and here).

First and foremost, the HSA must be “completely voluntary.”

Employers also can’t:

  • limit the ability of employees to move funds to another HSA
  • impose conditions on the use of HSA funds
  • make or influence any HSA investment decisions
  • represent that HSA is an employee welfare benefit plan, or
  • receive any payment or compensation in connection with the HSA.

In addition, as employers are well aware, contributing funds to workers’ HSAs is OK.

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Tip Tuesday! Are clueless execs killing the effectiveness of your employee benefits?

By Tim Gould

In order for employee benefits to serve as effective recruiting and retention tools, upper management must understand what workers really want. And when that doesn’t happen it hurts companies in a number of ways.


Benefits aren’t cheap, which means that you want to be devoting your attention to the ones that will provide the biggest payoff, both in ROI and employee engagement.

But there’s new evidence that what your financial honchos believe to be the most coveted benefits today aren’t. Just ask employees.

recent survey from Accountemps shows the disconnect. Take a look at what employees picked, vs. what CFOs thought they would, and HR’ll have some ammunition in the fight to keep your company focused on the right things.

The C-Level view …

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Tip Tuesday! DOL grants employers a major Obamacare break

By Jared Bilski

Good news: The major changes the feds recently proposed to the Summary of Benefits and Coverage (SBC) statements won’t be finalized until at least 2016. 
And that means employers have a good amount of breathing room until they must comply with the wholesale changes to the SBCs.

As HR pros know, the Affordable Care Act’s Summary of Benefits and Coverage (SBC) statements rule require all health plans (grandfathered and non-grandfathered alike) to supply plan participants with SBCs and a glossary of commonly used terms during their open enrollment period.

These SBCs were created to help simplify health info for employees, but they’ve also caused HR and Benefits pros as well as plan administrators some major headaches since the regs took effect.
So when the feds essentially proposed an overhaul to the SBCs that employers were finally getting used to, you can imagine not everybody was thrilled.

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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.