Winter Safety
This time of year, cold stress that can result in hypothermia or frostbite is a hazard of which employers must be aware, particularly if they have outdoor workers.

 With the right preparation and presence of mind, both employers and employees can prevent these injuries.

Reminder: Ohio's Prompt Pay Law
The timely payment of premiums is important to keep your group's coverage in force and to ensure uninterrupted processing of covered employees' claims. 

Premium payments are due in full on the first day of the month. If you have not paid your premiums by the due date, to comply with the Ohio Prompt Pay Law, your insurer may deny claims received for services rendered during the delinquent period until premiums are paid in full by the end of the grace period.

The Ohio Prompt Pay Law requires that insurers take action within thirty (30) days of receipt of a claim and provide notice to members and providers of the status of the claim at that time. An employer's failure to pay their premiums by the due date may cause their covered employees' and their covered dependents' claims to be denied with the following reason: "Policyholder's premium not paid to date".

To avoid such claim denials, please be sure to pay your premiums by the due date. If you have questions about premium payment or setting up EFT, please contact your Advisor today. 

The Advantages of Giving Employees Access to Telemedicine
Do you know how much downtime or loss of revenue your company suffers from employee illness? 

You need strategies and your employees need help.Your cost to provide benefits has soared. Still, your employees are paying more out of pocket than ever before.      

Freshbenies gives you and your employees practical tools to control healthcare in an affordable membership.

Trust us, it will get used... A LOT! 
Average utilization of core freshbenies services is 71%.  The employees at CFI have this benefit and LOVE it.  

Ask your Advisor today for a quote. It really does help the bottom line. 

Reminder: Send Updates
For the sake of compliance, we require all employers to send us a list of new hires and terminations as they happen. 

The continued accuracy of your company census is important, as it allows for timely enrollments and terminations and helps you avoid complex payroll changes and billing issues. 

Along with sending you the emailed or faxed monthly update request, we have created a new, simple form that you can fill out and send to us as changes happen, rather than waiting for us to request them. 

To view and save the form please 

*Be sure to save the link as a favorite so that you can update us any time you have changes. 

Questions? Call us at 740-363-5433

Spotlight: Tax Reporting

For helpful information about tax reporting and your group health plan, check out these resources: 

**This section is to provide information only and may not apply to all employers. Please note that CFI does not offer tax filing services or give tax related advice. 

Please consult your tax preparer with any questions. ** 
Always Improving

As an ongoing effort to improve our services, we find it vital to hear from our clients about their experience with us.  How has CFI helped you? Is there anything we can do to make your experience better?  Click the options below to share! 

Jim Roesch, 
CEO and Chief Visionary Director