Thank You! 
A HUGE Thank you to those who voted for us as the #1 insurance agency in Delaware! We are so honored!

We support local business and are so happy that you do too! 

We are here to serve you.

Why Update CFI Regularly?
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 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. 

No time for the form? You can also email Belinda with your changes. Be sure to include hire date and salary information, or termination date. 

Questions? Call us at 740-363-5433
Group Life and Disability Plans
Surveys show that three in four workers consider benefits a decisive factor in weighing new job opportunities. 

A good benefits program is essential for attracting new employees and retaining current ones.

Benefits like health, life and disability insurance are very desirable to employees, but if not done right, they can be costly to employers. That's why many employers share the costs with their employees. There are also voluntary benefit programs that allow employees to purchase or increase their benefits themselves, often through automatic payroll deduction. You can read more about the various types of coverage HERE

Your Advisor can help you select the right mix of benefits to adequately cover your employees in an affordable way. 

Want to schedule a consultation now?

 or Call us at 740-363-5433
Monthly Tip! 
Access to telemedicine has grown significantly in recent months...

It's no mystery - avoiding a doctor's office is especially important in reducing your risk of covid exposure. Up to 70% of medical issues can be solved by phone. With Freshbenies, you can offer telemedicine to your employees right away. They can call anytime for $0, visit with a U.S. primary care doctor and get a prescription written if medically necessary. Keep your employees happy, healthy and covered. 

Call or email your Advisor for more information.
Spotlight: Covid-19 Carrier Details
As our state has opened, we still have employers asking us about their health coverage and Covid-19.

We have complied a list of resources from our carriers to help answer your questions: 

The U.S. Department of Labor has created excellent resource material for both employees and employers to understand their rights and obligations.

For employers, please refer to this link:
This is a summary of the leave requirements of the act and how employers can earn "dollar-for-dollar reimbursement through tax credits for all qualifying wages paid under the FFCRA". It's important to note that "applicable tax credits also extend to amounts paid or incurred to maintain health insurance coverage."

For employees, this information is repeated on a separate informational page at:

A Frequently Asked Questions web page is now available on the DOL website at:

Can't find what you're looking for? 
We are here to help! 

Different But Still The Same
Obviously this year has presented everyone with challenges...

As an essential business, keeping everyone covered and updated during a pandemic hasn't been easy.  We have spent a lot of time navigating how to serve our clients safely and have learned new creative ways to work while distancing. 
I want to thank our staff for being flexible and for their diligent hard work despite these unique circumstances. Thank you to our clients for being understanding and patient as we experience this together!  

We remain dedicated to serving you no matter what. 

Jim Roesch, CEO and Chief Visionary Director