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Associated Benefits and Risk Consulting - Employee Benefits


Do you have the right amount of disability and life insurance coverage?

The average adult has a 3 in 10 chance of suffering a disability that keeps them out of work for 90 days or longer at some point during their working career, according to The Council for Disability Awareness. Ninety percent of disabilities are caused by illnesses, not accidents, and are a top cause of bankruptcies in the U.S. Most of us have personal debt, such as a mortgage, auto loans or credit card bills. 

Have you received your updated SPDs — and have you done anything with them?

Our previous article Open enrollment is over — now what? included a number of post-enrollment “bugaboos” that employers must keep in mind before considering themselves done with open enrollment-related activities for another year, including what to do if your third-party administrator (TPA) has not yet provided a new summary plan description (SPD). This article will address in more detail what you should expect to receive, and what you need to do with that information.

Updated: How employers can prevent and prepare for coronavirus

We have updated the "Insurance and employee benefit considerations" section of this article, and we will continue to make updates as they become available. While the headlines about COVID-19 may be alarming, employers can be proactive by taking a calm and practical approach to mitigate and respond to the unique risks the pandemic continues to pose to their organizations. The Centers for Disease Control and Prevention (CDC) has issued interim guidance to help employers respond to COVID-19. Employers should be prepared to prevent infection from entering and spreading in their organizations as well as to answer employee questions about the organization’s readiness plan and how their health plan coverage and other employee benefits will address their needs during this pandemic.