Once a year, your employees are asked to make a complicated decision—one that could significantly affect their health and finances. And employees are looking to HR for guidance as they make their health plan choices. So, today, I don’t just want to just share open enrollment tips and...
Helping employees navigate health plans, insurance claims, and various benefit options is a full-time task that requires the expertise of benefit industry professionals. HR professionals and People leaders already have a lot on their plate without getting pulled into the rabbit hole of benefits.&nbs...
On March 11, 2021, President Biden signed the American Rescue Plan Act of 2021 (ARPA).  The ARPA brings two big benefits changes. 100% COBRA subsidies: from April 1, 2021 through September 30, 2021 for individuals and family members who lost health plan coverage due to involuntary...

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...

Jan 08, 2020

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...

Aug 19, 2019

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!),...

Jun 19, 2019

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...

Jan 15, 2019

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...

Aug 15, 2018

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-...

Jul 31, 2018

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...

Jul 24, 2018

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...

Jun 04, 2018

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...

Jun 02, 2017

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...

May 31, 2017

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...

Jun 08, 2016

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...

Jun 06, 2016

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...

Jun 06, 2016

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...

May 25, 2016

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...

May 16, 2016

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...

May 11, 2016

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...

May 10, 2016

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...

May 09, 2016

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 ...

May 02, 2016

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...

Apr 24, 2016

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...

Mar 17, 2016

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...

Jan 18, 2016