Words We Live By.
Work hard. Have integrity. Provide superior service. Always do what's in the best interest of the client. Those are the principles that guided us at our founding and continue to guide us today. We're fortunate to have experienced steady growth over the last twenty plus years. We attribute this to staying true to those principles, innovation in developing successful strategies, and our agility in adapting to an increasingly complex health benefits environment.
The InCap® health care captive program continues to offer the best opportunity for mid-sized groups to lower health care insurance costs without cutting the quality of their benefits program. As an alternative to traditional insurance plans, our proven health care captive plan helps you leverage the bargaining power of a large census to reduce premium costs, lower risks, and “control the controllables”. By steering clear of commercial insurance companies, you’ll avoid volatile pricing changes and ensure that your plan meets your specific needs at a price that’s right for you.
Webinars & Events
We invite you to join us for topical webinars on compliance, funding strategies, HR technology and the latest trends impacting employee benefits.
Legal Alerts
Stay informed about recently passed legislation through our Legal Alerts. We are here to keep you up to date.
Learn with Hilb Group
Providing health insurance with Medicare support presents a unique challenge. Traditional plans can be costly and inefficient, leaving both your...
Is your business feeling squeezed by ever-increasing health insurance premiums? You’re not alone. Traditional, fully-insured plans often lock you into...
Rising premiums, unexpected rate increases, and the lack of control over benefits design are just a few of the challenges...
Companies are constantly seeking innovative solutions to manage risks effectively. One such groundbreaking initiative that has gained significant traction over...
Hilb’s captive insurance program, InCap®, has emerged as a beacon of consistent success over the past decade. This innovative approach...
In the case of employee insurance, businesses seek not only protection but also tailored approaches that align with their unique...
In the complex landscape of employee benefits administration, selecting a Third Party Administrator company (TPA) is a critical decision that...
Wellness programs have emerged as a crucial component of comprehensive packages. A decade ago, the landscape was different; however, Clark...
For employment and human resources compliance regulations, the past decade has witnessed a whirlwind of changes at both federal and...
Open enrollment is a critical period for both employers and businesses. It’s the time when you have the opportunity to...
Are you tired of skyrocketing health insurance premiums and limited control over your coverage options? If so, Hilb’s InCap Captive...
You may be wondering – how much is group health insurance for a small business? Hilb’s InCap® healthcare captive program...
With this new partnership, INCAP members gain exceptional access to a staggering 738,000 provider office sites and over 6,300 hospitals....
Navigating and conquering the insurance policy renewal process can be challenging, but it doesn’t have to be! Discover how we...
Implementing cost containment in healthcare can significantly impact an employer’s financial outcomes. While these approaches need not be complex, they...
Navigating New Hampshire Employment Laws: A Comprehensive Guide for Employers and Employees As an employer or employee, it is crucial...
In today’s competitive job market, attracting and retaining top talent is crucial for the success of any organization. One of...
In the competitive landscape of business, prioritizing the well-being of your employees is not only a moral obligation but also...
In today’s ever-evolving healthcare landscape, navigating the intricacies of insurance coverage and finding cost-effective medical facilities can be a daunting...
In today’s dynamic business landscape, companies are constantly looking for innovative ways to streamline operations, enhance efficiency, and reduce costs....
As health care costs continue to rise, many employers are searching for ways to control costs while keeping benefits affordable...
The stop loss insurance market has been affected by COVID-19, but the biggest impact has come from indirect and delayed...
Captive insurance programs are group health plans wholly controlled by their self-insureds.
In a market beset by escalating healthcare costs, Hilb’s self-funded InCap captive program is the best opportunity for mid-sized groups...
In a time marked by escalating costs and increased market competition, American businesses are looking to reduce expenses wherever possible,...
The popularity of self-funding and medical stop loss (MSL) insurance is on the rise, spurred on by escalating healthcare costs...
Managing a healthcare plan’s design and controlling its costs can feel like a Catch-22. To make wise decisions about plan...
Are you looking for the best health insurance plan for your business and its employees? While you could shop around...
For many modern businesses, a traditional insurance plan lacks the control and flexibility they desire. Insurers may be reluctant to...
Captive insurance offers the best opportunity to lower health insurance costs without cutting the quality of your benefits program. Read...
What are the benefits of captive insurance compared to a traditional plan? Read on as we explore four reasons why...
If you want to achieve long-term success as a business owner, you must protect your company from risk and liability....
As employee healthcare costs continue to rise, you must determine which healthcare plan offers the best quality and cost-efficiency for...
Increasingly, businesses are relinquishing traditional insurance coverage in favor of a captive insurance plan. Captive insurance enables businesses to customize...
In recent years, the health insurance market has been faced with increasing costs and regulatory requirements. As such, captive insurance...
Whether you’re a business owner, executive, or professional, it’s important to remain in control of your agreements, plans, and subscriptions....
Learn how you can make more money and open new doors for your business with our InCap health care captive...
As a CEO or CFO, it’s common to feel like health insurance providers don’t have your company’s best interest in...
In January 2021, Clark and Lavey’s HR Practice Leader Jennifer Hayes hosted a webinar with addiction medicine doctor and anesthesiologist,...
Legal Alert – January 13, 2022 On January 13, 2022, the United States Supreme Court released its much anticipated opinions...
Legal Alert – January 12, 2022 On December 2, 2021, President Biden announced that federal agencies would soon issue guidance...
Legal Alert – November 30, 2021 On November 22, 2021, the IRS filed a Notice of Proposed Rulemaking (“Proposed Rule”) that among...
Rising health care costs have become a problem for businesses across America. As costs continue to soar, many companies scramble...
On November 10, 2021, the Internal Revenue Service (IRS) released Revenue Procedure 2021-45, which increases the health flexible spending account (FSA)...
On November 5, 2021, OSHA published its COVID-19 Vaccination and Testing Emergency Temporary Standard, which included a summary, fact sheet, and FAQs.
Cyberattacks continue to dominate headlines as they expose national security issues. So, they are a growing concern for businesses of...
Join us on October 14th at 4 pm EST to learn how to implement a hybrid work environment, its implications,...
Captive insurance offers the best opportunity to lower health insurance costs without cutting the quality of your benefits program. Read...
At Clark & Lavey, we believe that connections, responsiveness, and support matter. Our dedicated HR Practice Leader develops, oversees, and...
Legal Alert – September 14, 2021 President Orders OSHA To Develop Mandatory Vaccine Requirement for Large Employers On September 9,...
Legal Alert – September 8, 2021 In October 2020, CMS Released its Transparency in Coverage Final Rules (the “TiC Final...
The current job market is extremely competitive, so top-quality candidates are receiving multiple offers with a diverse set of benefits....
Legal Alert – August 20, 2021 The Consolidated Appropriations Act, 2021 (the “CAA”), which was signed into law on December...
We know that change can sometimes be intimidating, but the results are often worthwhile. With the right support, HR professionals...
So far, we’ve covered alternative benefits and perks that can improve your company culture and attract and retain talented workers....
Join our HRx webinar to learn how to identify cyber threats and protect your business from devastation. Register now!
More companies are looking towards additional benefits and perks to help their workforce stay motivated. Often companies believe that software...
A way to expand your benefit offerings at little to no cost to the employer while also adding great convenience...
Companies are increasingly looking for alternative benefits that attract and retain talented workers. The US Bureau of Labor predicts that by...
Now that you have built a remote team with a healthy company culture, it’s important to keep employees informed on building healthy...
Legal Alert – May 21, 2021 IRS Releases its Much Anticipated Guidance on ARPA COBRA Premium Assistance On May 18,...
Managing a remote team is not the same as managing an in-office team. Besides considering the basics and technology necessary...
There are a lot of things to consider when deciding if a remote workforce is ideal for your company. Besides...
Pharmacy Benefit Management (PBM) has extensive influence in the prescription drug industry. A PBM is a company that administers the...
Several companies are continuing to navigate the creation or enhancement of a remote workforce. Being proactive in understanding the intricacies...
Since 1987, total prescription drug expenditures have skyrocketed 1010% and per capita expenditures have increased 756%. These devastating numbers are...
Legal Alert – March 12, 2021 Congress has passed, and President Biden has signed, the American Rescue Plan Act, 2021 (ARPA), the...
Help us support U.S. military veterans and their pets! Join us in the VETS & PETS GIFT CARD Food Drive,...
Legal Alert – March 9, 2021 We are just weeks shy of the one-year anniversary of the President’s declaration of...
The Department of Labor (DOL) has released Notice 2021-01, which clarifies the end date for the relief provided in April 2020 under Notice...
Companies are increasingly embracing flexibility by allowing their employees the opportunity to work from home, either some or all of...
As an innovator in the employee benefits market space for more than 20 years, we are proud to introduce a...
As Bob Dylan once wrote, “…the times they are a-changin’.” The same is true for the healthcare landscape. For over...
Should I stay, or should I go now? After working remotely due to the COVID-19 pandemic, many companies are considering...
Since 2019, employers faced uncertainty regarding the status of wellness program incentives under the ADA and GINA. On January 7,...
A Pharmacy Benefit Manager can reduce prescription drug costs and improve convenience and safety for consumers, businesses, and organizations. Pharmacy...
Join our next HRx webinar on Tuesday, January 19 to discover simple strategies that you can utilize to help improve...
December 28, 2020 – reflects that the bill has been signed by President Trump After weeks of negotiations, Congress overwhelmingly...
1. Massachusetts Employers – HIRD (Health Insurance Responsibility Disclosure) filings are due by December 15th. The HIRD reporting is required...
It is difficult to navigate and conquer your insurance policy renewal process. But it doesn’t have to be! Learn how...
IRS Maintains Health FSA Contribution Limit for 2021, Adjusts Other Benefit Limits On October 26, 2020, the Internal Revenue Service...
Recently, we’ve been experiencing unprecedented ambiguity and uncertainty caused by constant change. We’re all trying to manage our own ways...
IRS Extends Deadline for Furnishing Form 1095-C to Employees, Extends Good-Faith Transition Relief for the Final Time The Internal Revenue...
As an employer, you want to provide the best health plan coverage possible to your employees. With so many options...
Cost containment strategies can make a big difference to an employer’s bottom line. They don’t have to be difficult to...
The COVID-19 pandemic has impacted more than just businesses in our local New Hampshire/Boston/New England region. It has clearly impacted...
These six easy steps will help you build a great employee benefits plan, from the experts at Clark & Lavey...
Department of Labor Issues Updated FFCRA Regulations In Light Of Recent Federal Court Decision On September 11, 2020, the U.S....
Every company is different, and so is every employee benefits package. Everywhere you look, you’re surrounded by important choices that...
Organizations encounter many challenges and disruptions when they rely on a variety of systems and technologies to manage and sustain...
IRS Issues Affordability Percentage Adjustment for 2021 The Internal Revenue Service (IRS) has released Rev. Proc. 2020-36, which contains the...
Clark & Lavey Benefits Solutions congratulates Armando Llorente on his retirement, and are proud to introduce Jennifer Hayes our new...
Businesses know that diversity and inclusion are important, yet often don’t know where to start. This Virtual Happy Hour will...
U.S. Supreme Court Upholds Final Rules Allowing Employer-Sponsored Health Plans to Decline to Cover Contraceptives Due to Moral or...
Across the country, states are easing restrictions and moving toward phased returns to the workplace. The rules and guidance vary...
Patient-Centered Outcomes Research Institute (PCORI ) Fees Due July 31, 2020 As a reminder, employers that sponsor certain self-insured health...
The Department of Labor (DOL) has provided questions and answers regarding the Families First Coronavirus Response Act An employer has...
IRS Releases 2021 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits In Rev. Proc. 2020-32, the IRS released...
The Internal Revenue Service (IRS) has provided some long-awaited guidance and relief for employees. On May 12th, the IRS issued...
IRS Relaxes Election Change, Other Rules for Cafeteria Plans and FSAs As the country continues to feel the impact of...
The COVID-19 National Emergency has been so disruptive that, in addition to the unforeseen issues the pandemic has created, many...
Among the provisions of the CARES Act and other coronavirus-oriented legislation passed by Congress at the end of March 2020...
The Coronavirus pandemic we are experiencing right now is unprecedented in the memories of all but a tiny handful of...
Congress passes the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) On March 27, the President signed into law...
As the number of “stay at home” orders issued by Governors across the country climbs, we are learning how to...
It’s a new era. COVID-19 has millions of people now working from home – many of whom who have never...
Congress Passes Families First Coronavirus Response Act On March 18, Congress passed, and President Trump signed into law, the Families...
On March 18th, President Trump signed into Law the Families First Coronavirus Response Act. The enactment of the law is...
Information for Employers and Group Health Plan Sponsors on COVID-19 States and the federal government have issued (or re-issued) guidance...
The Coronavirus has now been reported in 34 states. States, businesses and organizations are implementing policies to prevent contracting or...
The Coronavirus has garnered a tremendous amount of attention the last few weeks as the virus continued to spread to...
Think that committing a random act of kindness is just fluff? Think again. There are quite a few studies that...
CMS Extends Transition Relief for Non-Compliant Plans through 2021 On January 31, 2020 the Centers for Medicare & Medicaid Services...
Here’s to Your Heart Health Thanks to Lyndon Johnson, our nation’s 36th president, February is American Heart Month in the...
HRx is back. HRx provides human resources professionals informative and educational programming in small doses. For 2020, quarterly offerings will...
The Kaiser Foundation estimates that the average annual health premium for family coverage this year is more than $20,576. While...
Congress Repeals Unrelated Business Income Tax for Tax-Exempt Entities Offering Qualified Transportation Fringe Benefits As part of the Further Consolidated...
Emergency Rooms and Urgent Care facilities are designed to meet very different needs. Many employees aren’t aware that there are...
There are lots of quotes on not looking back, one of the most recognized being Don’t look forward – you’re not...
The recent airing of The Secret Sauce for Success with the C-Suite, marked the conclusion of our first year’s series...
Over the weekend the President signed the Bipartisan Legislation passed earlier in the week by Congress. Referred to as the...
Congress Expected to Pass Spending Bill that Repeals Three Major ACA Taxes, Extends PCORI On December 17, 2019, the House...
With the release of Notice 2019-63, the Internal Revenue Service (IRS), extended the deadline for furnishing Forms 1095-B and 1095-C...
On January 1, 2020, a new W-4 Form goes into effect. The new W-4 Form is a result of the...
During our final webinar of our 2019 Educational Webinar Series, ERISA Counsel and Benefit Advisors Network Compliance Director, Stacy H....
IRS Extends Deadline for Furnishing Form 1095-C, Extends Good-Faith Transition Relief The Internal Revenue Service (IRS) has released Notice 2019-63,...
It’s easy to get caught up with the holiday spirit, not paying attention to what we’re eating until we’re left...
IRS Releases Draft 2019 ACA Reporting Forms and Instructions The IRS has released draft forms and instructions for the 2019...
Last week the Internal Revenue Service (IRS) released Revenue Procedure 2019-44, which increased the deduction for health Flexible Spending Accounts...
IRS Increases Health FSA Contribution Limit for 2020, Adjusts Other Benefit Limits On November 6, 2019, the Internal Revenue Service...
Recently, the IRS has released important criteria to help employers who offer Individual Coverage Health Reimbursement Arrangements (ICHRA) comply with...
IRS Releases Guidance for Employers Offering Individual Coverage HRAs On September 27, the Internal Revenue Service (IRS) released proposed regulations...
Research from Harvard, Berkeley, Forbes and ThriveGlobal among others, all report the same thing: giving back is good for your...
Do you know if your company’s health benefits plan is fully insured or self-funded? Many people don’t. There are several...
The DOL issued the long-awaited announcement regarding the Final Rule for White Collar Exemption and Overtime eligibility last week. The...
Even financial institutions can use help saving money. Like other businesses, they have employees who require healthcare plans and benefits....
InCap®, our proprietary solution for proactively managing and reducing health premium costs through a group medical captive, delivers again. Members...
You may have heard that an employee benefits consultant can be helpful for your business, but are wondering how these...
Have you been hearing about medical captives for benefit plans, but not sure what it all means? A captive takes...
Departments Adopt Non-Enforcement Policy on Drug Manufacturer Coupons On August 26, 2019, the Departments of Labor (DOL), Health and Human...
It’s no secret that over the last few years, prescription drug costs have skyrocketed and the out-of-pocket expense for families...
According to a recent report in Boston Business Journal, the three largest health insurers in Massachusetts are experiencing a robust...
Earlier this year, Strategic Finance Magazine reported that the cost of benefits ranks #3 in the top 5 concerns for...
Today’s job market is competitive. With the unemployment rate lower than ever, top talent can be lured away with desirable...
Our June HRx webcast highlighted several new trends and strategies to help organizations retain their workforce and recruit new employees....
Last week, President Trump issued an Executive Order intending to develop price and quality transparency initiatives to insure that healthcare...
President Trump Issues Executive Order Encouraging Transparency in Pricing and Expanding Consumer-Directed Arrangements On June 24, 2019, President Trump issued...
Massachusetts Paid Family & Medical Leave Update On June 14, 2019, Governor Charlie Baker and MA legislative leaders announced a...
Mitigating risk is just one of the many reasons organizations of all sizes are making the move to InCap, our...
Final Rule Released on Individual Coverage and Excepted Benefit HRAs On June 13, 2019 the Department of Labor, the Department...
HHS Proposes Revisions to ACA Section 1557 Regulations At the end of May, the Department of Health and Human Services...
Join us Wednesday, June 12th from noon to 1:00 pm, EDT, for an overview of the Affordable Care Act, including...
IRS Releases 2020 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits In Rev. Proc. 2019-25, the IRS released the...
Time is running out for covered employers (private employers subject to Title VII of the Civil Rights Act of 1964...
Every community has them. You know who they are – the young professionals who go above and beyond every day....
According to the American Institute of Stress, 8 in 10 Americans feel stressed on a regular basis. A little stress is...
CMS Extends Transition Relief for Non-Compliant Plans through 2020 On March 25, 2019, the Centers for Medicare & Medicaid Services...
Clark & Lavey Benefits Solutions Helps You Save Money with Captive Health Insurance Price Calculator
As healthcare costs continue to soar, many companies scramble to find ways to control costs and still provide the quality...
There are many benefits of employing a Captive insurance program, including cost savings. In fact, we have seen companies that...
After much anticipation, the Department of Labor released its proposed Rule regarding the new salary-level threshold for white-collar employees who...
You trust us to provide the best in employee benefit solutions, and we take that seriously. That’s why we partner...
This program has attracted several hundred readers and generated some interesting emails and “what if?” scenarios. If you are wrestling...
If your organization includes prescription coverage, The Medicare Modernization Act (MMA) requires you to notify Medicare-eligible policy holders whether their...
The landscape for recreational use of marijuana is changing rapidly. The legal use of recreational marijuana is no longer a...
We’re quickly approaching the last week in January and by now, many of our well-intentioned resolutions have taken a detour. ...
An employee’s resignation can generate various reactions in an organization. It can send shockwaves (“OMG, what are we going to...
Starting this month, individuals without health coverage will not have to pay a tax penalty for 2019. However, if you...
IRS Extends Deadline for Furnishing Form 1095, Extends Good-Faith Transition Relief The Internal Revenue Service (IRS) has released Notice 2018-94,...
Medical Loss Ratio Rebates Medical Loss Ratio Rebates Under the Affordable Care Act The U.S. Department of Health and Human...
DOL Releases Final Rule Expanding Association Health Plans The U.S. Department of Labor (DOL) has issued a final rule expanding...
IRS Issues Affordability Percentage Adjustment for 2019 In Rev. Proc. 2018-34, the IRS released the inflation adjusted amounts for 2019...
IRS Releases 2019 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits In Rev. Proc. 2018-30, the IRS released the...
Agencies Issue Guidance on Mental Health Parity Issues, Signal Enhanced Enforcement On April 23, 2018, the Departments of Labor, Treasury,...
IRS Adjusts 2018 HSA Contribution Limit – Again The IRS has announced it is modifying the annual limitation on deductions...
EEOC’s Status Report in AARP v. EEOC Creates Uncertainty for Wellness Programs In its March 30 status report to the...
EEOC’s Status Report in AARP v. EEOC Creates Uncertainty for Wellness Programs In its March 30 status report to the...
CMS Extends Transition Relief for Non-Compliant Plans through 2019 On April 9, 2018, the Centers for Medicare & Medicaid Services...
Agencies Release Proposed Regulations on Short-Term Limited Duration Insurance On February 20, 2018, the U.S. Departments of Labor, Treasury, and...
DOL Releases Proposed Rule Expanding Association Health Plans Earlier this month, the U.S. Department of Labor (DOL) issued a proposed...
DOL Announces April 1 Applicability of Final Disability Plan Claims Procedure Regulations The U.S. Department of Labor (DOL) announced its...
Employee Benefit Changes in the Tax Cuts and Jobs Act of 2017 On December 22, 2017, President Trump signed what...