The Lead - Winter 2015

The Lead Summer 2015 - Lifetime Benefit Solutions





undefinedFlowers blooms as one of 2015's Most Influential Women

We’re proud to announce that Jeannette Flowers, our Vice President of Marketing and Product Development, has recently been named one of 2015’s Most Influential Women in Benefit Advising by Employee Benefit Adviser. Jeannette was just one of 25 women chosen, all of whom are active not only in national and regional organizations but within their communities as well.

A veteran of three decades in the industry, Jeannette is as committed to customer satisfaction today as she was on her first day, motivated by the “desire to find fresh solutions and to design innovative, cost-effective services for customers that promote employee health while benefiting the employer, client, broker and Lifetime Benefit Solutions’ partners.”

Read the full story HERE.undefined


Automatic Enrollment for Health Plans repealed

Obama Legislative update

On November 2, 2015, President  Barack Obama signed H.R. 1314, the  “Bipartisan Budget Act of 2015,” which,  among other things, repealed the auto- enrollment requirement from the Fair  Labor Standards Act (FLSA). Under that  provision, employers that are subject  to the FLSA and which employed more  than 200 full-time employees would have  been required to automatically enroll  new full-time employees in one of the  employer’s health benefits plans (subject  to any waiting period authorized by  law). Certain notices would have been  required giving employees an opportunity  to opt out of any coverage in which the  employee was automatically enrolled.  This requirement, which had yet to  take effect, was riddled with concerns  and questions regarding how employers  would administer the provision.


A few introductions are in order
Here we grow again..

As Lifetime Benefit Solutions continues its expansion into new areas, we continue to strengthen and deepen our dedicated sales and client services team. Expect to be speaking soon with new and talented team members Mike Fischer, Rebecca Bradtke and Dan Burkey.

undefinedMike Fischer
Mike will be racking up the miles as he makes frequent trips to Ohio to develop new business. Mike, an account executive, joins Lifetime from Medline Industries where he worked in surgical sales. The Rochester native graduated from Cortland State University with a degree in economics and finance.

undefinedRebecca Bradtke
Rebecca, a client service representative, joins Lifetime Benefit Solutions from MetLife Insurance Company. At Met since 2006, she was first a group life insurance representative and, since 2010, a long-term disability case manager. Rebecca began her insurance career in 2003 with United Health Group and graduated from Herkimer County Community College.

undefinedDan Burkey
Dan has taken a somewhat unusual path to his new position as client service representative. Prior to joining Lifetime, Dan spent more than four years at Dick’s Sporting Goods as a footwear and apparel manager and the last two and a half years at M&T Bank as a relationship banker. Dan graduated from Cazenovia College in 2008 with a B.S. in sport management.


Attention Lifetime Benefit Solutions brokers(and those who wish to be)

Lifetime Benefit Solutions is launching  a new broker compensation program in  2016 for our ancillary lines of business.  Watch for details in the coming weeks.

5 Things to Know: Telemedicine

As Lifetime Benefit Solutions prepares to roll out its new telemedicine service,  here are some important points about it.  undefined

  1. Increases timely access to care and  offers the opportunity for the patient to access primary care on their terms
  2. Avoids unnecessary transfers to  another facility when a remote specialist  can determine if the best option is to  stay local
  3. Crosses borders, requiring duplicate  licensures in multiple/bordering states
  4. Allows physicians to save time  traveling between facilities to see  patients, increasing their productivity
  5. Costs are typically flat and low rate


Hungry for more business?


undefinedCheck your mail recently? You may have  noticed some fresh, tasty messages from  Lifetime Benefit Solutions, just what you’d  expect from the company that’s “the cure for  benefits as usual.” It’s just our way of saying  “Hi!” as we expand beyond New York and  identify ideal broker partners like you. If your  accounts have been looking for something  fresh, new and completely customized for  them, we hope you’ll consider Lifetime Benefit  Solutions. We’re just the partner to help you  take a bigger bite out of your market.


Our menu of products and services includes:

  • Self-funded Medical and Dental Plans
  • FSA/HRA/HSA/QTB Administration
  • COBRA Administration
  • Payroll Services
  • 401(k) Services
  • Employee Benefits Compliance Services

If you’re hungry for a bigger helping of business, contact Jackie  Rossi, manager of new business sales at 315-671-9841 or visit


Reimbursement Accounts: Qualified Transportation Benefits


If your clients are looking to you for ways to save  their employees some  dough, we’re about to  make you look like a  hero.

A Qualified Transportation Benefit (QTB)  allows employees to pay for commuting  expenses with pre-tax dollars. By  reducing their taxable income, they’ll  save money – although planning ahead is  crucial. Employees must estimate their  expenses for the upcoming year before  enrolling in the benefit.

There are two components to a QTB –  parking and transit.

  • A parking account can reimburse employees for expenses such as parking  lot fees or parking at a location for  access to mass-transit.
  • A transit account can reimburse  employees for expenses related to mass- transit fees, such as subway and train  passes, and bus fares.

It gets better. Beginning in 2016,  employers with 20 or more full-time employees in New York City must offer  full-time employees the opportunity  to use pre-tax earnings to purchase  qualified transportation fringe benefits,  other than qualified parking. Should  the employer attain the 20 full-time  employee mark but then fall below it,  the requirement will remain in force,  meaning that the employer will still be  required to maintain the salary reduction  transit benefit for those employees  originally qualified before the workforce  reduction.


Federal Exchange Notices for 2016

undefinedThe Centers for Medicare & Medicaid Services (CMS) recently issued guidance  regarding Federal Exchange Notices.  Beginning in 2016, all Exchanges  operating on will be  notifying certain employers whether  any of their employees have received  an advance payment of premium tax credits. The Exchanges will  first send notices to employers with employees who have received  advanced payment tax credits for at least one month in 2016 and  who have an employer mailing address.  

CMS will evaluate results of the program in 2016 to determine the  best means of improving the process going forward.

Read more HERE.

Download the PDF

The Lead is published periodically to keep you abreast of the ever-changing world of employee benefit plans. You are receiving this newsletter  as a partner, customer, associate or friend of Lifetime Benefit Solutions.


Copyright © 2015 Lifetime Benefit Solutions, All rights reserved.


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Lifetime Benefit Solutions is a national leader in developing and delivering health-related benefits plans – partnering with our customers to deliver value and promote employee health and wellness.

Flexible employee benefit programs, intelligently and creatively customized to your company’s unique situation.