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Articles by Tariq Hilaly
Co-Founder & CEO at Lumity at Lumity, Inc

My background in fintech combined with an awful experience navigating health insurance for a chronically ill loved one is where the Lumity story starts.

If you're wondering how IRS Notice 2019-45 ("HSA Expansion") affects your employer-sponsored High-Deductible Health Plan (HDHP), you're not alone. This was the most asked question in a recent "2020 Employer Benefits Legislative Update" webinar with attorney Marilyn M...
Dec 17, 2019
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HSA Expansion Option for Employers
Over 20 years ago, the catchphrase in the tech sector was “Nobody ever got fired for buying IBM.” The idea was IBM was the safe bet. If anything went wrong, you’d be shielded from repercussions based on their reputation for quality and service. I’ve been thinking about how...
Jul 16, 2019
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An Insider's View of HR Tech
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. And the lack of visibility drove me bananas. Then,...
Jan 15, 2019
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A Fintech Approach to Better Employee Benefits
Most fully-insured employers are flying blind into their annual health plan renewals. Without claims data, finance and HR professionals have no way of knowing what to expect. So, if you’ve ever gotten a steep renewal rate, or you’re facing one now, read on. First, we’ll explain how...
Sep 12, 2018
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The Bad Renewal Trap
In a company’s early days, engaging a professional employer organization (think TriNet, Sequoia One, or ADP PEO, etc.) is practical. Outsourcing employee management tasks such as employee benefits and payroll allow a small employer to focus on building its core business. But there’s a ti...
Apr 03, 2018
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Have you outgrown your PEO?
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 control of your payroll and benefits? Payroll...
Jun 02, 2017
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How to Free Yourself from PEOs