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Thomas Hart

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Level-Funded Health Plans: Predictable Cost Alternative

Level-funded health plans combine self-insurance benefits with predictable monthly costs. Learn how they work, who they're best for, and whether your Long Island business could save money while improving coverage.

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Benefits Negotiation Guide: Getting Better Rates & Terms

Learn how to negotiate with insurance carriers, leverage market data, and secure better rates for your employee benefits. A step-by-step guide for Long Island business owners on renewal strategies and when to request proposals.

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NY Temp Worker Protection Laws: What Employers Need to Know

New York has specific laws protecting temporary workers including pay parity requirements and staffing agency obligations. Learn what Long Island employers need to know about compliance when using temp workers.

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No Surprises Act: What Long Island Employers Must Know

The No Surprises Act protects employees from surprise medical bills. Learn how this federal law affects your health plan, what coverage rules apply to emergency care, and how to communicate these protections to your team.

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Backup Childcare Benefits: Supporting Working Parents

Learn how backup childcare benefits work, what they cost employers, and why they're becoming essential for recruiting and retaining working parents in today's competitive job market.

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Stop-Loss Insurance: Essential Protection for Self-Funded Plans

Learn how stop-loss insurance protects your business from catastrophic claims when self-funding employee health benefits. Understand specific vs aggregate coverage, attachment points, and why it's crucial for employers.

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PEOs and Co-Employment: What Long Island Business Owners Need to Know

Professional Employer Organizations can handle HR, payroll, and benefits through co-employment. Learn how PEOs work, their benefits and drawbacks, and whether one makes sense for your Long Island business.