Affordability Percentages Will Decrease For 2018

On May 5, 2017, the Internal Revenue Service (IRS) issued Revenue Procedure 2017-36 to index the contribution percentages in 2018 for purposes of determining affordability of an employer’s plan under the Affordable Care Act (ACA). For plan years beginning in 2018, employer-sponsored coverage will be considered affordable if the employee’s required contribution for self-only coverage does …

Our Strategic Sourcing Strategy Drives Client Success

In 2017 the Creative Benefits team launched a timely campaign, Employer Empowerment. Since the kick-off meeting, in early January, we are ahead of schedule with the successful completion of 3 strategic initiatives aimed to optimize the customer experience and drive desired outcomes. Providing our client stakeholders, the: CFO / Owner HR Director  Employees …

The Presidential Election and the Affordable Care Act

Interesting times…. The Affordable Care Act (“ACA”) and its volumes of regulations have been the law of the land since 2010. Implementation was sometimes messy (the exchange websites), confusing (1095-C coding), and unreliable (late December extensions of filing deadlines). However, it is the law, and employers have spent billions of dollars to …

Creative Benefits Elevates Customer Service from Good to Great

For the average person, almost anything related to health insurance is complex and overwhelming.  Therefore, when problems occur—as they often do—people feel frustrated. However, employees whose health insurance benefits are brokered by Creative Benefits enjoy a very special benefit—instant access to the Employee Services Representative (ESR) Team. The ESR Team …

Customizing Disability and Life Insurance Plans: Higher Value for Better Outcomes

On the surface, disability and life insurance policies may seem more or less interchangeable, but a savvy benefits administrator knows how to adjust these products to make them better. When customized appropriately, disability and life insurance products are anything but cookie-cutter. Designing insurance policies can be compared to choosing options …