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Life's An Adventure.
Insurance Shouldn't Be.

Health & Life Insurance Consulting & Brokerage Services

CSA Certified Senior Advisor Services

 

How Can We Make It Better For You?

Employee Benefits
Group Medical Plans  
Voluntary Benefits
Life & Disability
Long Term Care
Medicare Products

Executive Compensation & Buy-Sell
Self Insured Plans
Elder Planning
Insurance Consulting
Patient Advocacy

Claims Intervention

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products & services

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GROUP MEDICAL

Pain Free Health Insurance Planning

Health insurance and employee benefits are confusing and expensive. For over 30 years we've been helping 100's of businesses reduce their health insurance costs by reverse engineering their plan designs based on needs utilization and population.  As health insurance gets more complicated and expensive, it's more important than ever

to consult an expert in order to get a plan that makes sense  on a benefit and cost perspective. 

 

We've insured 100's of companies.  Let's help you today. 

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SELF FUNDED PLANS

Got A Healthy Group?  Consider Self-Insured

Tired Of High Health Insurance Premiums?

Self Funded & Level Funded Health Plans might be the solution you need.  They aren't nearly as confusing to set up and administer as you think.  Self funded plans allow a business to reduce health insurance premium by removing the "profit" that health insurance companies make on.  Plans can be customized to fit the needs of your company or the specific health care needs of company founders.

Ask us how you can set your plan up in as little as 45 days.

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P.E.O. PLANS

BIG BENEFITS FOR SMALL COMPANIES

If you're a company with 100 employees or less a Professional Employer Organization might transform your company's benefits into the same packages the big corporations have. 

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LIFE & DISABILITY PLANS

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? Let's protect your life and income. 

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LONG TERM CARE

Long Term Care Insurance Saves Your Estate

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. 

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PAYROLL & HR ADMINISTRATION

It's About Time Payroll Was Made Easy

Heartland provides customized and affordable payroll services and human resources programs to businesses.  As the #3 payroll provider in the United States, they're laser focused no providing your company the most value and quality in the  payroll business today.

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ELDER PLANNING

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. 

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PATIENT ADVOCACY 

We're There When The Going Gets Tough.

Hospital stays and serious medical care for you or a family member can be emotionally  draining, making it hard to make decisions.  Let us be your advocates - your voice when it comes to needing help understanding the care and treatments needed.  Let us be there with a loved one when you can't be.  

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. 

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What if you could tell your every fear, worry and concern to someone who can help make your business life easier and more productive?

WE'RE HERE TO HELP YOU 24/7 365 DAYS A YEAR

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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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Employee Benefits Newsletter

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Employee Financial Wellness

 

What it means to your employees and company.

Human Resources Newsletter

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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. 

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