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Articles by Amit Ahluwalia
National Employee Benefits Practice Leader at Lumity, Inc

Inspiring and tenacious executive who leads sales, marketing, business development and account management organizations.

In most companies, the first international new hires are salespeople. Typically, the head of sales comes to HR and says something like, “Hey, we’re going to expand” or “I just hired someone in Ireland.” (Or Bolivia, or The Netherlands, or ________ ). Now it’s i...
Jul 31, 2020
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Going Global with Benefits
If you’re contemplating a reduction in force (RIF) to cut your operational costs, it’s critical to avoid this all-too-common mistake. Large vs Small Group Health Plan Costs If the RIF will drop you down from large group to small group health insurance rates, you risk paying signifi...
Apr 29, 2020
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Before a RIF, factor in small vs large group health plan costs
For most U.S. employers, providing employee health care coverage is a cost of doing business, not your core business. And it's the second largest operational expense after wages. Yet HR and finance professionals have little—or no—visibility into this expense. How bad is it? If...
Oct 11, 2019
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The Game Theory Behind Health Plan Renewals
There’s a narrow window when using a Professional Employer Organization (PEO) makes good business sense. They’re especially suited for small companies that are just getting off the ground because the co-employment relationship means they take on the employer responsibilities so you can f...
Sep 10, 2019
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Goodbye PEO, Now What?
If the marketing messages surrounding health insurance captive trusts sound too good to be true, you’re right to be skeptical.  I understand why the over-simplified messaging resonates. Insurance underwriting is dry stuff. Health plan mechanics are excruciatingly complex. So there&rsqu...
Jul 30, 2019
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Cons of a Captive Trust