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6 Ways to Improve Open Enrollment
We may be in the 20th year of the “new” millennium, but employee benefits has been left behind in the 20th century. Despite HR tech innovations, the quality of customer service remains lower than almost every other industry. This year, co...
How to Leverage Claims Analytics
At around 250 employees, your company should be getting your medical claims from your broker or carrier. This claims visibility is a good start to understanding your healthcare costs, but this is just the first step. The real key to managing cos...
If you've got great employee benefits, flaunt ‘em
In MetLife’s 2019 Employee Benefit Trends Study, 6 in 10 employees said benefits were an important reason why they joined their company. Benefits rank second to salary. So, whether you’re focused on hiring or retaining talent (or both!),...
A Fintech Approach to Better Employee Benefits
My background in fintech combined with an awful experience navigating health insurance for a chronically ill loved one is where the Lumity story starts. As a co-founder of Motif Investing, making employee benefits decisions fell on my shoulders. A...
6 Ways Employers Can Cut Costs, Not Benefits
Today, most employers make health plan and benefits decisions blindly. Employees know how much they're spending on health care, but they have little say in deciding which plans a company will offer them. Yet you share a common goal: lowering...
Human + Machine: Creating A Modern Benefits Experience
When it comes to benefits, it’s vital that your solution provider is 100% laser-focused on delivering a delightful employee experience. The Rub Until now, employers have typically gone one of two ways: All-in-One: while all-in-...
Workplace Wellness: 5 Companies Getting it Right
Happy and healthy employees are found in happy and healthy workplaces. Employees are more productive and gain the confidence to be more innovative—ultimately adding value to not only your bottom line but your internal culture. If...
PEO or Traditional Broker? Get the Best of Both
It’s death by 1,000 cuts If you go with an all-in-one HR solution or a traditional broker for your company’s health benefits, it’s nearly impossible to get a clear picture of your ROI. Here’s why: With all-in-one solutio...
How to Free Yourself from PEOs
The handcuffs are off. Previously, companies faced FICA/FUTA tax penalties if they wanted to leave their PEO “off-cycle”, or mid-way through a plan year. But, this is no longer the case. So what does it take to get off a PEO and regain...
What a modern (data-driven) employee enrollment looks like
Lumity’s mission to deliver a superior benefits experience by clarifying benefits for employers and employees started out with our founder’s frustration with purchasing and using employee benefits, both at a corporate level and at an indi...
Do You Know How to Count FMLA Eligibility Hours?
One of the most problematic areas for you when it comes to determining an employee’s FMLA leave eligibility are hours of service. It's important to note that the burden of proving that an employee has not met the hours of service lies...
Are you an FMLA Covered Employer?
A good starting point when it comes to the Family and Medical Leave Act (FMLA) is determining whether or not you are a “covered” employer. A covered employer is typically a business with more than 50 staff members. This a...
How to Fail at FMLA
Keeping lines of communication open and your supervisors educated is critical when employees request any leave- especially since they don’t need to specifically request FMLA leave in order to be entitled to it. Whether an employee req...
Lumity Spotlight Series: Family & Medical Leave Act
The Family and Medical Leave Act (FMLA) should demand your serious consideration as an eligible employer. With lawsuits on the rise and requirements as stringent as ever it is an area of employment law you should know inside out. Whether...
Benefits Modeling: How to Speed-Date Plan Design
Providing a quality benefits plan is of critical for attracting and retaining talent. If you've begin thinking that your current plan isn't isn’t quite all you need it to be and you’re looking for a change, it's important...
Save Money By Increasing Company Health Plan Participation
As the saying goes, there's strength in numbers. Getting employees to enroll in your company health plan has never been more important. Many insurers require a large percentage of eligible employees participate in your company-sponsored health pl...
Bringing Open Enrollment into the 21st century
One thing that is sure to have employers and employees singing the same tune is a mutual disdain for the open enrollment period. It's a confusing process for workers and a laborious task for even the most efficient companies. If you're o...
Consumer Driven Health Plans: Know your Options
Health care costs are at an all time high. As premiums and employee medical claims continue to rise you may be considering an alternative to traditional health insurance plans. Many employers are turning to consumer driven health plans to softe...
Open Enrollment Education: Be Proactive
Every year that short window of time opens up when employees are allowed to revisit their benefits. Open enrollment can be an extremely stressful and overwhelming time for everyone involved since it's typically the only time during the year ...
Better Benefits: Brokers and the Rabbit Hole of Fees
Budgeting for benefits. Every year during FP&A, finance professionals gather around spreadsheets trying to read the tea leaves on expected company benefit costs for the coming quarter or year. CFOs need to budget cash reserves (for self fundin...
Random FMLA Audits Loom: Prepare Yourself
If you are an employer with 50 or more workers, you’re probably aware of the Family and Medical Leave Act (FMLA). You might be fairly confident that your practices and procedures comply with current federal laws and regulations; or perhaps...
The Legal Side of Employee Health Savings Accounts
Health Savings Accounts (HSA) can help offset the costs of your employees’ medical care when they are enrolled in a High Deductible Health Plan (HDHP). Many employers find that the premium savings with HDHPs can be used to encourage their...
