History Nancy Wisner joined Creative Benefits, Inc. through a personal connection with the organization’s founder, Ruth Graham. Ruth recognized Nancy’s strengths and abilities and offered her a job opportunity at Creative Benefits. That opportunity became the foundation for a remarkable career. Today, with 37 years of dedicated service and counting, …
History Ten years ago, Malorie McLaughlin relocated to Northeastern Pennsylvania with her family and entered into the health insurance industry with a desire to build a meaningful and long-term career. With a decade of experience teaching special education in New York, Malorie came to Creative Benefits, Inc. with a unique …
Around 154 million people below the age of 65 are covered by employer-sponsored insurance. The Kaiser Family Foundation (KFF) conducts an annual survey to observe trends in employer-sponsored health benefits, called the 2025 Employer Health Benefits Survey. Health Insurance Premiums This year, the average premium for employer-sponsored health insurance was …
On October 9th, 2025, the IRS released Revenue Procedure 2025-32, officially increasing the 2026 pre-tax contribution limit for health Flexible Spending Accounts (FSAs) to $3,400—a $100 increase from the 2025 limit. Additionally, employers with health FSAs may allow employees to carry over a certain amount of funds remaining at the …
The International Foundation of Employee Benefit Plans anticipates a 10% increase in healthcare costs in 2026. Cost predictions have been stated as follows: Mercer predicts that the total health benefit cost per employee will rise 6.5% on average in 2026, marking the highest increase since 2010, even after planned cost-reduction …
High-deductible health plans (HDHPs) are becoming an increasingly popular health insurance offering among employees. Despite the higher deductibles, HDHPs can be a cost-effective and tax-advantaged choice for those who: Don’t anticipate frequent medical expenses Want to take advantage of the tax-advantaged savings opportunities. Understanding HDHPs is essential when making educated …
Creative Benefits, Inc. has been named a Top Workplace by the Philadelphia Inquirer for the fifth consecutive year. We believe in cultivating a strong company culture, built on our values of compassion, collaboration, commitment, and client-focus. Being ranked as a 2025 Top Workplace is based upon employee feedback. We …
Employee mental health continues to be an essential issue in today’s workforce, with many employees facing challenges such as anxiety, depression, and stress. These conditions can impact productivity and overall job satisfaction, making it crucial for employers to recognize the importance of supporting mental health. By addressing these concerns with …
As employee expectations evolve, workplace benefits must adapt to meet their needs. Supporting employee well-being—mental, physical, and financial—is no longer a luxury; it’s essential for building a happier, healthier, and more productive workforce. Employers who invest in innovative benefit strategies not only improve employee satisfaction but also foster loyalty and …
The Massachusetts Department of Family and Medical Leave (DFML) has released updated rate sheets, employee notices, and workplace posters for 2025. These materials are essential for employers to stay compliant with the state’s Paid Family and Medical Leave (PFML) law. Failure to meet the law’s notice requirements could result in …
We are thrilled to announce that Creative Benefits, Inc. has been recognized as a Top Workplace for the fourth consecutive year! This award reflects the continuous dedication, work ethics, and team culture that each of our employees brings to our organization daily. “The relationships that have evolved with fellow co-workers …
By 2025, Generation Z (Gen Z) will account for 27% of the workforce worldwide. These employees were born between 1997 and 2012 and are very diverse. Around half are from communities of color, and 20% identify as part of the LGBTQ+ community. With this new generation integrating into the workplace, …
The Lancet Rheumatology medical journal published a new study confirming that low back pain continues to be the leading global cause of disability. Approximately, 619 million people reported low back pain in 2020, and that number is expected to rise to 843 million by 2050, costing the United States an …
The U.S. surgeon general released framework depicting how employers can encourage employee mental health and well-being. Improving mental health has become increasingly important due to the effects of COVID-19. The stressors of the pandemic can be felt in the workplace, so it’s important that employees feel properly supported. The five-part …
Black History Month is an excellent opportunity to celebrate employees’ cultural, racial, and ethnic backgrounds while simultaneously working to end discrimination and biases. According to Carter G. Woodson, the “father of black history,” equality can only come through the understanding and acknowledgment of a race’s history. In the workplace, there …
