
FIND YOUR PATH
Group Medical Voluntary Benefits Payroll & HR Processing Long Term Care Elder Planning
Get Rid Of Your Benefits Pain With One Telephone Call.
Our products and services

VOLUNTARY BENEFITS
Aflac Insurance Solves Benefits Problems
With health premiums and out of pocket expenses rising, voluntary benefits from Aflac make even more sense than ever. Get the Aflac plans your employees want and need at payroll prices they can afford.

HEALTH PLANS
Pain Free Health Insurance Planning
Benefits are confusing and expensive. For over 30 years we've been helping businesses reduce their health insurance costs by reverse engineering their plan designs based on needs and population.

PEO PLANS
Big Company Benefits For Small Companies
Professional Employer Organizations help your business give your employees big business benefits and takes away the pressure of human resources administration by taking care of your company's HR needs.

HUMAN RESOURCES
Consulting Or Outsourcing - We May It Easy.
We understand the pressure of human resources administration. We can help your team resolve issues or implement new plans to streamline the process. Let us take the pressure out of HR administration.

PLANNING FOR LIFE
Protect Your Most Valuable Asset - You.
Most people think their largest asset is their house. Your largest asset is "you" and your ability to keep your business running and make an income. What happens to your business if you are no longer there or can't work? It's serious. Let's talk.

ELDER PLANNING
Long Term Care & Medicare Planning
Long term care insurance is confusing and expensive so it's important to talk to experts about it. As CSA Certified Senior Advisors and long term care insurance experts we understand how it all works.

PAYROLL & HR ADMINISTRATION
It's About Time Payroll Was Made Easy
Balance your business' time and attendance, human resources administration and tax reporting in one online, integrated suite. Whether you're looking for an easier way to pay employees or maintain compliance with HR laws, Heartland provides payroll services to businesses with customizable solutions.

CREDIT CARD PROCESSING
Credit Card Processing All In 1 Package
When it comes to credit card processing for your business there are lots of options available to businesses and most are viable choices. But with Heartland credit card processing you have just one call to make to discuss your needs. Ask us about Heartland's competitive priced offerings.

VALUE ADDED PARTNERSHIPS
Meet The People We Trust For Our Business
Nothing beats a great referral from a trusted source. With furniture partners like Wayfair Design and animation partners like Infographic World we'll help your business with a wide range of products and services from vendors we trust. Need special service? Call us today.
PLANNING
A crisis is a big problem you weren't prepared for.
A problem isn't a crisis if preparations have been made addressing that issue.
Let's start planning today
ENGAGE US
Let us be your voice. Employee benefits is expensive, confusing, frustrating to understand and even worse to administer, Basically, it's an overall pain for staff and your group plan administrators.
Let us take the pain away from administering your group's employee benefits, freeing up your human resources team to do more productive tasks.
enrolling
Benefits Wizards nationwide team of health insurance enrollment professionals makes it easy to help employees in other states and locations have the chance to better understand their company benefits.
Consulting
What if you could tell your every fear, worry and concern to someone who can help make your business life easier and more productive?
What Makes Us Different Is Our Attitude

GREAT RESULTS
Take Great Planning
Aflac Product Videos
EMPLOYEE BENEFITS NEWS

3 Ways to Close the Gap in Benefits Education
Written by Pam Jenkins on June 12, 2019
Unfortunately, employees typically don’t invest much time in learning about their benefits options. Colonial Life’s survey found 70% of workers spend less than an hour a year at enrollment time considering their choices and making their selections. Even worse, a third say they spend less than 30 minutes learning about benefits their employer provides.
ACA NONDISCRIMINATION TESTING SCOPE NARROWS

HHS Proposes to Narrow Scope of Nondiscrimination Regulations under Affordable Care Act
Written by Damian Myers & Malerie Bulot on June 13, 2019
In addition, under the 2016 final regulations, HHS expanded the definition of discrimination on the basis of sex to include discrimination based on gender identity and the termination of pregnancy. However, once the regulations were put into effect, there was significant push back against HHS’s interpretation of sex discrimination.
10 STEPS TO PAIN FREE BENEFITS

Increasingly, employers are offering products such as voluntary insurance benefits and health savings accounts (HSAs) that employees can combine to create comprehensive plans that meet their unique needs and goals. With the right plan in place, employees are better able to save consistently, cover unexpected expenses, protect and grow their savings and prepare for health care costs later in life.
GROWTH CONTINUES FOR VOLUNTARY BENEFITS

The industry has grown at a compound annual growth rate of 5 percent over the last 10 years, even with the decrease in 2010. The graph below shows the growth curve over the past 10 years.

BLOG
VISIT THE DON'T SWEAT LIFE BLOG FOR ARTICLES, POSTS AND OPINIONS
Our blog contains opinions, advice, counterpoint and news from the benefits industry and other sources that we feel may be relevant to our members. Feel free to send us your comments.
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Customer Service Focus
Is face to face advisory dying a slow death?

We Take The Pain Out Of Employee Benefits Planning & Administration.
"I'm the administrator at a law firm. Don't Sweat Life took care of everything for our human resources issues. They helped free up my time so I could do the more important parts of my job."
Pamela, Legal Administrator

80 Years Of
COMBINED EXPERIENCE
Our partners have the "know-how" your business needs.
Can you figure out who we help?

ACCOUNTANTS
We help accounting professionals take care of the important parts of their business and assist their clients with finding tHR and employee benefits solutions that work.

ADMINISTRATORS
We help administrators handle the ongoing pressure and stress of employee benefits and human resources so that they can focus on the more important parts of their job.

MEDICAL PROFESSIONALS
We help health care professionals manage the parts of their practice that they aren't experts in so that they can take care of their patients at the highest level.

BUSINESSES
30 years of providing advice to business owners and decision makers has given us great insight into business problem solving. We help businesses make better decisions.

LAW FIRMS
Having worked with lawyers at the New York Bar Association, we are familiar with the unique needs of lawyers and employees.

INDIVIDUALS
We help individuals and their families make sure that in the event of a parent's or partner's injury or death that the surviving family members know that life will continue for them.

THE
TEAM
We Care About The People We Enroll
Our team of employee benefits gurus, human resources and business experts have years of experience and have worked with some of the biggest advisory names in their respective specialties. We offer an approach that's unique to working with our clients and their employees. We get involved directly with your employees and advise, counsel, mentor and teach them in a more involved, personal and human way than traditional benefits brokers and consultants. It's called "Caring", and it makes a big difference when you care about the people you enroll and help all year long. When you love what you do, your job becomes your mission. Making it all personal again.
