Filed under: Branding You, Combs & Company, Insurance Women, Mizzou, Purple Foxes, Roger E Combs, Susan L Combs | Tags: Combs & Company, Eric Silverman, Mizzou Law, Mizzou Law Veterans Clinic, Rockstars Rocking, Rockstars Rocking Podcast, Roger E Combs, Susan L Combs
Absolutely thrilled to be featured this week on Eric Silverman‘s Rockstars Rocking podcast!
Thank you so much Eric, for giving me a platform to share about my journey and my passion for the Mizzou Law Veterans Clinic at the University of Missouri!
Click below to watch the episode!
Want to see more episodes, make sure you CLICK HERE to subscribe!
Filed under: Colleen Blum, Combs & Company, Insurance Women, Marketing Yourself, Mental Health, Motivational, Tenacious Tuesday, Try and Stop Me Podcast | Tags: Colleen Blum, Combs & Company, Mental Health, Mental Wellness, Mike Veny, Self Employed Momentum, Tenacious Tuesday, Transforming Stigma, Try and Stop Me Podcast
Episode 6 Mental Health Is An Asset, So Let’s Talk About It
Host: Colleen Blum
Guest: Mike Veny
Mental Health is something society still struggles to talk about or address, the one good thing about COVID is that problem seems to be slowly changing.
Mike Veny is one of the Top Mental Health Speakers in the US talking about just that. Listen as he shares his story through his mental own health journey, how is mother helped him find an outlet and how he is using his mental health as an asset to help change lives all across the country.
Curious for a preview of the episode? Take a listen below!
To be able to listen or download the full episode, click below!
Guest Contact Information:
Mike Veny: LinkedIn
Website: https://www.mikeveny.com/
Author of: Transforming Stigma: How to Become a Mental Wellness Superhero
Podcast: MXV Self Employed Momentum
Follow us on the @tryandstopmepodcast Instagram page
Filed under: Branding You, Colleen Blum, Combs & Company, Exciting News, Insurance Women, Marketing, Marketing Yourself, Motivational, Try and Stop Me Podcast | Tags: Colleen Blum, Combs & Company, Sebastian Rusk, Try and Stop Me Podcast, Want to Start a Podcast?
Host: Colleen M Blum
Guest: Sebastian Rusk
Have You Ever Wanted To Start A Podcast?! All Of The Who/What/Why I Wish I Knew Before Starting A Podcast! check out what the Expert himself, Sebastian Rusk has to say about it!
Have you ever dreamed about starting YOUR OWN podcast but you have used ANY & EVERY excuse under the sun to just push it to the “one day” plan?? Well then THIS EPISODE is all for YOU!!
Sebastian Rusk is the go to man for all of the how to when creating a podcast from idea to inception. Sebastian is the Founder of the Podcast Launch Lab, he is also a kick ass Social Media Speaker, Author and Digital Story Teller. – guys if I knew Sebastian before I started this all I could have saved a good 3 weeks of my life from the countless YouTube clips I watched. Listen along to today conversation about all the questions I had when debating whether to start this show or not.
BTW: Secret for you! For 2 years I pushed down this idea of actually getting my show started because I just didn’t even know where to start. It’s time to put your fears aside & just make the jump! You can do this, I believe in YOU!
Guest Instagram: @podcastlaunchguy
Host: @tryandstopmepodcast
Filed under: BenefitsPro, Combs & Company, Innovation Broker Lab, Insurance Women, Wonder Woman Wednesday | Tags: BenefitsPro, Broker of the Year, Teri Weber, Wonder Woman Wednesday
I was honored with receiving this award in 2017 and thrilled that Teri Weber is a finalist for this year! Today, on Wonder Woman Wednesday, we wanted to honor her and share the article she was in at BenefitsPro!
Click Here for the original article!
2020 Broker of the Year finalist: Teri Weber
Have questions about absence management or disability leave policies? Teri Weber is your go-to gal.
When Teri Weber started working from home full time, she found it a bit of an adjustment. It was almost like being absent from work. Which just happens to be one of her specialties. Weber is a partner with Boston-based Spring Consulting Group, LLC, an Alera Group Company. When COVID-19 began to confine millions of workers to their homes, she was swamped by client calls regarding work absences.
“‘Will quarantine be a disability?’ ‘People all want to take their sick time now; how do we do that?’ ‘What if 50 percent of our workforce cashes in on what they’ve banked? Could people do a time donation?’ ‘What do I do for employees who work from home but need to care for kids?’ It’s always a balancing act of finance and policy. It gets into the weeds quickly,” Weber says.
Related: Business continuity & social distancing: 3 tips for transitioning to a work-from-home model
But it turns out that is where Weber spends a lot of her time: in the weeds with clients, showing them the way out.
Weber became a partner with Spring Consulting in 2008, where she has focused on disciplines such as absence management that can save clients time, money, and management headaches. Absence policies can be shockingly ad hoc, inconsistent, and are often crafted in the breach, rather than the legal or human resources departments. During the COVID-19 outbreak, Weber has had to explain to clients that actions they take to attempt to manage a tidal wave of absence incidents could easily become company policy.
To one client with a question about virus-related time off, she said: “What do you want to accomplish with this? What are you hoping to do? It’s about getting to the root of why you think this policy will help you now. Because the policy can become law long after the crisis is over.” She also lends her absence expertise to the Disability Management Employer Coalition, a group of New England employers and insurance companies focused on disability and leave of absence policies.
“We speak a different language than most people,” she says. “An employee will say, ‘I need time off for something.’ That’s how they think about it. Our work is around compliance, cost and culture. We look for the best programs we can design, from leave time to return to work.”
Another area of focus is student debt and student loan payments as a benefit.
In the quest to land top young graduates, companies experiment with offering student debt payments. Weber likes to include the benefit in a plan design, but only if she believes it is being offered for the right reasons.
“It is often a targeted approach to address turnover among younger people, or to attract young talent. Other employers just want to give it as a benefit without a specific objective.” Weber asks, is the target of the benefit specific or general? Short term or long term?
“That $2,000 can make a huge difference to a young person. But does it serve your overall strategy?” she says.
One could get the impression that Spring deals largely with major employers, those who have the financial clout, employee numbers, and staffing to engage in creative plan design. But that’s not the case.
One of Spring’s most devoted clients is edHEALTH, a three-person health insurance captive based in Rhode Island. edHEALTH is a member-owned consortium that serves as the stop-loss provider for group members, mostly East Coast colleges, universities, and charter schools, including Boston College, Sarah Lawrence, Brandeis, Wellesley and Emerson.
Tracy Hassett, president and CEO of the captive, says Weber served as an early advisor to the original 24 members as they developed their model.
“When we started talking, we were faced with numerous barriers,” Hassett says. “Brokers and consultants at the schools were nervous about taking that business away from them.
Meanwhile, the schools we talked to made it clear they didn’t want to change their plan design. They wanted to be part of the consortium and save money. ‘But we don’t want to make any changes to plan design or to our carriers or upset faculty or staff.’”
Hasset feared it would take long hours over many meetings to arrive at a plan design that would satisfy all the members. Enter Weber. Working with Hassett, she helped the members reach agreement quickly on a common plan design.
“Teri is easy to talk to, offers very clear descriptions, and she made sure potential members at the time knew that we were trying to deliver a program to minimize costs and maximize coverage. That is still the role she plays and she does a wonderful job.”
In the years since, the group has grown, while costs have held steady. Average premium growth per member over the last six years had been 3.5 percent, while admiration for Spring and Weber grows every year.
“Spring has been an incredible partner since before our inception, and an incredible partner in helping us grow,” Hassett says.
Meanwhile, back in her “home” office, Weber is getting new insights into the challenges her plan members face when forced to juggle work and child are duties. Her two daughters, 12 and 14, don’t need a lot of supervision with the family cooped up in the house, but like kids all over, they have been attempting to master online learning while Mom and Dad grow accustomed to virtual meetings, the intricacies of telecommuting, and keeping dispersed teams motivated during a global pandemic.
But Weber manages to keep a positive attitude as she attempts to establish “a new normalcy at home.”
“I’m an optimist. I look for the good people out there. The sun is always shining, even when there are clouds are in the way!”
Filed under: Combs & Company, Covid-19, Important Notice, Insurance 101, Insurance Education, Insurance Women | Tags: Chelsea Whalley, Insurance 101, J Donovan Financial, Section 125, Special Mid-Year Enrollment for Section 125
Looking for an easy digestible explanation what considerations to make for Mid-Year Enrollments under a Section 125 plan? Check out this great video from colleague, Chelsea Whalley of J Donovan Financial.
Special Mid-Year Enrollment Window
1. Get Approval from Health Insurer in writing. If Self-funded, approval comes from stop-loss carrier.
2. Decide if these special deductions will be pre-tax or post-tax. As of right now, the IRS has issued no guidance for pre-tax elections due to COVID-19.
Section 125 Mid Year Election Change Events:
1. Change in employment status if the change impacts eligibility for health plan
2. A significant change in health plan coverage
3. HIPAA Special Enrollment (marriage, birth, etc)
To avoid any unintended liability, employers should check with your CPA and/or attorney to decide what is best for your business.
Filed under: Combs & Company, Covid-19, Innovation Broker Lab, Insurance Women, Successful Women, Susan L Combs, What's the Good News, Ladies?, Women in Insurance, Wonder Woman Wednesday | Tags: Chelsea Whalley, Females in Finance, Innovation Broker Lab, J Donovan Financial, Jennifer Warfield, National Life Group, What's the Good News, Ladies?, Women in Insurance & Financial Services, Wonder Woman Wednesday
Hello from the Covid-19 epicenter, aka NYC. I don’t know about you all, but the past few weeks have been crazy, exhausting and just plain sad at times. It is definitely not business as usual here and I know that’s true in many other places as well, but I also know we will all make it through this time. One of the things that has kept me going during quarantine is connecting with the incredible women from our industry who are still able to share some great ideas with me about what they are most proud of in the last 12 months. Be on the lookout for another article coming soon that will include many of the featured women in this series who will share what they have been doing to stay connected with their clients during all of this.
This month, I’m going to introduce you to two new friends who have been a great source of information and support for me during this time. I know I have said it before, but it is so important to develop these peer-to-peer mentorship relationships, because when there are rough times like these, we pull each other up and help each other to excel. Please join me in welcoming Chelsea and Jennifer to the fold.
Chelsea Whalley, J Donovan Financial
“In the past 12 months, my biggest accomplishment has been learning that my business is not actually about me.
When I owned my first agency, I was infatuated with the idea of developing other agents. While this sounds admirable, I was truly motivated by the energy rush I received seeing others succeed. Even though I was helping others, at the core of it all, it was still about me.
Even in my second agency, there have been times when I put together the best options for a prospect to save them money and time; yet, I still don’t win. When this would happen, I would make it about me (my presentation skills, my sales skills, etc). Perhaps it was, but there’s a good chance that it was about one of the million other factors that business owners consider when making decisions.
The truth, and my biggest lesson, is that nothing is about me. I have learned that the only way to truly scale my business and help as many employees and clients as possible is to let go of the belief that the outcome is directly tied to my worth as an advisor or as a person. With this, I can finally be present and enjoy the work I am doing.”
Jennifer Warfield, CPF®, National Life Group
“I’ve been in financial services many years and I’ve never been more excited to do what I do. My passion lies in supporting women and giving back. In my role, training and developing agents to build their business, I’m able to do both. I’ve seen great success among the women leaders who count for almost half of my business. In the last year, I’m pleased to have been highest-producing field leader at my company, hitting record sales. And helping my agents learn and grow gives their clients peace of mind.
One of the best aspects of our industry is the relationships among the women within it. I am fortunate to be supported and inspired by many great women. In 2019, I was named WIFS Woman of the Year, a wonderful honor. Celebrating success within our field is an important way to create community and inspire the next generation.”
I know that I, as well as the crew here at BenefitsPRO are thinking of everyone during these uncertain times. As always, if you know of great women in the field who are working hard to make this this industry even better, send an email introduction to me at scombs@combsandco.com. I’d love to connect! Stay safe my friends.
Click Here for the original article at BenefitsPro
Filed under: CARES Act, Combs & Company, Combs & Company Blog, Covid-19, Disaster Relief, Families First Coronavirus Response Act, Feature Friday, FFCRA, Health Insurance, Insurance 101, Insurance Education, Insurance Women, Paid Family Leave, Susan L Combs, Vlog | Tags: Chelsea Whalley, Combs & Company, Coronavirus, Covid-19, J Donovan Financial, Paid Sick Leave Exemptions
Filed under: Combs & Company, Combs & Company Blog, Covid-19, Families First Coronavirus Response Act, FMLA, Important Notice, Insurance Women, Vlog, Women in Insurance | Tags: Chelsea Whalley, Coronavirus, Covid-19, Disaster Relief, FMLA, J Donovan Financial
Curious how the expansion of FMLA will affect you or your business? Check out this great video from colleague, Chelsea Whalley of J Donovan Financial.