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Fringe Benefit Analysts® is a full-service insurance, consulting and employee benefits firm. We serve a wide range of businesses with best-in-class expertise, services and support for their benefit programs. Our clients are assured of accurate, consistent solutions, attention to detail, responsiveness and a high return-on-value for their benefits dollars. Fringe Benefits Analysts helps ‘calm the waters’ of the complex and sometimes overwhelming world of insurance benefits. Please enjoy our blog!

Small Businesses Healthcare Competitive, But Faces Two Big Challenges

September 18 | 2017
By: Bill Olson
Chief Marketing Officer at United Benefit Advisors

We recently revealed how competitive small business health plans are when compared to national averages—and even how they are doing a better job of containing costs. But the UBA Health Plan Survey also uncovers two challenges these groups face in its new special report: “Small Businesses Keeping Pace with Nationwide Health Trends”. 1. Small businesses […]

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The Killjoy of Office Culture

September 15 | 2017
By: Geoff Mukhtar
Communications Manager at United Benefit Advisors

One of the latest things trending right now in business is the importance of office culture. When everyone in the office is working well together, productivity rises and efficiency increases. Naturally, the opposite is true when employees do not work well together and the corporate culture suffers. So, what are these barriers and what can […]

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Religious Objections to Covering Contraceptives

September 11 | 2017
By: Linda Rowings
Chief Compliance Officer at United Benefit Advisors

On August 22, 2014, the Departments of Health and Human Services (HHS), Labor, and Treasury released an interim final rule and a proposed rule that provide some new accommodations to employers that have religious objections to covering contraception under their group health plans. The agencies also released a fact sheet on the rules and an […]

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Small Employers Keep Pace With Larger Firms In Containing Healthcare Costs

September 6 | 2017
By: Amanda Eisenberg

Small employers are doing a better job than large companies when it comes to containing healthcare costs, according to a new report from health insurance agency United Benefit Advisors. The special report, “Small Businesses Keeping Pace with Nationwide Health Trends,” found that employers with less than 100 employees are keeping pace with the average employer […]

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What You Need to Know about Health Flexible Spending Accounts

September 6 | 2017
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

A health flexible spending account (FSA) is a pre-tax account used to pay for out-of-pocket health care costs for a participant as well as a participant’s spouse and eligible dependents. Health FSAs are employer-established benefit plans and may be offered with other employer-provided benefits as part of a cafeteria plan. Self-employed individuals are not eligible […]

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Survey: Small Businesses Keeping Pace with Health Benefits Offered by Employers Nationwide

August 30 | 2017
By: Bill Olson
Chief Marketing Officer at United Benefit Advisors

Small employers, those with fewer than 100 employees, have a reputation for not offering health insurance benefits that are competitive with larger employers, but new survey data from UBA’s Health Plan Survey reveals they are keeping pace with the average employer and, in fact, doing a better job of containing costs. According to our new […]

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Dependent Eligibility: Top Three Reason Why You Shouldn’t Audit

August 24 | 2017
By: Bill Olson
Chief Marketing Officer at United Benefit Advisors

Recently, UBA Partner Mike Humphrey, Senior Benefits Advisor at The Wilson Agency, shared some great insights for those who are considering doing a dependent audit. He points out three reasons why you shouldn’t do these audits and offers a much better approach to reining in costs associated with covering dependents that should no longer be […]

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Biting the Hand that Pays Them

August 21 | 2017
By: Ron E. Peck
Esq., Senior Vice President & General Counsel
The Phia Group, LLC, a UBA Strategic Partner

I was recently asked to speak to a gathering of hospital-sponsored health plans and providers of health care services about our health care system, and trends I see developing which threaten it. I’d planned to talk about how the Patient Protection and Affordable Care Act (ACA or Obamacare) only targets one-third of the health care […]

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Strategic Benefits Communication: Five key steps to success this open enrollment season

August 17 | 2017
By: Kevin D. Seeker
GBA, AVP, Benefit Communication
Sun Life Financial, A UBA Strategic Partner

In previous posts, I have talked about several aspects of strategic benefits communication. Now it’s time to put those strategies into action. As we approach enrollment season, let’s look at five key steps to ensuring this year’s open enrollment is successful for you and your employees. 1. Determine your key objectives What do employees need […]

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Emails Never Sleep: Employers Consider Email Expectations

August 14 | 2017
By: Robert Black
Software Developer, United Benefit Advisors

For some employees, when they leave work, they don’t even think about it until they return the next morning. For others, while they may leave their place of employment, they’re never truly disconnected. That’s because there’s a workplace culture where some employees feel they must check and respond to their work emails 24/7/365. While this […]

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