So, we made it through the “month of Mondays” and now we’re back at it! Not sure about you, but things have been crazy for me. I’m sitting here on a plane, and it is literally my sixth flight in five days! I swear I have aged five years this week! I’m very excited to introduce you to my new friends, Kimberly, Sharon and Susan! These women were all introduced to me by a fan of this series, Eric Silverman! Eric is a great advocate for our industry and for women in our industry, so I love the extra support he has been providing to this column by making great recommendations for some incredible women in our industry! I really think you’ll be wowed by these women. I know I was. Click here to keep reading!
Filed under: BenefitsPro, Combs & Company, Innovation Broker Lab, Successful Women, Susan L Combs, Women in Insurance, Wonder Woman Wednesday | Tags: BenefitsPro, Robin Wahby, Sarah Gottheim, Sarah Wilson, She Bosses, What's the Good News, Ladies?, Wonder Woman Wednesday, WTGNL
Original Post: BenefitsPro Broker Innovation Lab
Susan L. Combs | September 21, 2020 at 07:47 AM

I cannot believe that 4th Quarter is days away! That means that open enrollment is on the horizon and oof … how it’s going to be different this year? Hope you all have your virtual toolkit ready to go; I know we have been busy planning and gearing up for this in our office to make the process as easy and smooth as possible. But we’re all in insurance, right? So we look at worst case scenario. If you’re like me, you lay awake in bed thinking “What’s the worst than can happen?” And then you lay awake longer. Gah! Good luck, ladies. Feel free to share the best idea or tool you are using; I’m sure many would love to hear about them.
We had such a blast at the virtual BenefitsPRO Broker Expo this year and got to meet some incredible women that way! I’m really excited to introduces you to these fine women this month who are keeping it real in the world of COVID, home schooling and just being rockstars in our industry. Please welcome Sarah, Robin and Sarah to the fold!
Sarah Wilson, Compass Benefit Advisors

“Interesting? Challenging? Uncertain? I’m not quite sure how to describe the last 12 months. For me, it has involved creating a new role for myself within a new firm while learning to be a teacher overnight to my 8 and 9 year olds. Juggling and adapting have become my forte.
One thing I’ve learned is we’re not meant to do this thing called life alone and that it’s OK, even good, to put ourselves out there and lean on others. Connecting has become my mission, even if only by Zoom. I’ve pushed myself to make connections with mom friends and other female colleagues a priority, carving out time to share and encourage each another. In an effort to connect with others, I’ve started a think tank for clients and prospective clients to discuss their good, bad, and ugly and to encourage one another when it comes to topics like COVID, compliance, leadership and employee morale. It’s served as a great sounding board for human resource leaders.
When you make life a party, not a competition, and give yourself and others an opportunity to connect, it allows everyone to thrive together. Here’s to ducking, diving and keeping our heads above water!”
Robin Wahby, CLU, Wahby Financial Group, LLC

“I am proud to say I recently conquered a goal that had always eluded me. This goal was to move families from managing money and financial advice to working towards the achievement of life’s purpose and leaving a legacy. During the pandemic, I have been helping clients feel less anxious and more in control of their finances but am also now beginning to talk about the people and organizations that are important to them. And talk they did!
Our client families are acting now to preserve their values and goals for future generations. As a result, estate and charitable planning in my firm has increased significantly. We have helped more clients than ever before design settlement letters and ethical wills. An ethical will is a love letter to your family and bequeaths values. It can be as simple as a handwritten letter or a selfie video message.”
Sarah Gottheim, Savoy Associates

“Last month marked my 13-year anniversary in the dynamic health insurance industry. This year has been the most challenging, as the COVID-19 pandemic has affected the nation. Adapting to a new virtual world, companies are expected to conform to an online-driven work environment, including benefits administration. To accomplish this, business owners are relying on trusted brokers.
Working at a leading general agency, it is my job to work hand in hand with my broker partners to provide top-notch benefits consulting for the most sought-after benefits. I have consulted with hundreds of clients and brokers at companies of all sizes and industries to help them keep up to speed on benefits trends and legislative changes.
Relationships are key, and pairing with a strong team with deep knowledge and expertise drives new levels of success. I’m excited for the opportunities to work with dedicated partners to support business growth and boost client satisfaction.”
Know of a rockstar woman in our industry who’s doing things better than the rest? If so, I’d love to connect! You can just shoot me over an email with their information or feel free to make a virtual introduction to me at scombs@combsandco.com Stay safe, sane and mask up, my friends.
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: BenefitsPro, Insurance Women, Marketing, Marketing Yourself, Susan L Combs, Women in Insurance | Tags: BenefitsPro, BrokerExpo, Charging Fees, Combs & Company, ShowMe the Money, Susan L Combs
Back in college, I worked for the University of Missouri, and to this day, the coolest job I’ve ever had was working as an event manager for the Hearnes Center. This is where the magic happens when it comes to concerts and sporting events. During that time, I got to work with some amazing people, one of whom happened to be Bob Dylan. And as Bob once said, “For the times they are a-changin.” As benefits professionals, boy, don’t we know it!
I’ve had a lot of great role models in my life and one of my most incredible ones has been my mother. Like me, she was an entrepreneur. She owned a Merle Norman Cosmetics Studio and a travel agency in my hometown of King City, Missouri. My mom had worked for a number of years in the travel industry with American Airlines and Auto-Train (later sold to Amtrak) in Washington D.C., before relocating to Missouri with my father and working for a small travel agency. She later opened her own, and I remember that she saw a major shift taking place in the industry when the airlines decided that they were no longer going to pay travel agents fees on airline tickets. She made the decision to start charging fees and I remember her telling me, “If you don’t value your time, no one else will.”
Click here to keep reading!
Filed under: BenefitsPro, Branding You, Combs & Company, Combs & Company Blog, Innovation Broker Lab, Insurance Women, Successful Women, Susan L Combs, What's the Good News, Ladies?, Wonder Woman Wednesday | Tags: BenefitsPro, C. Erika Cockrum, Grace Staten, Innovation Broker Lab, Pam Abrahamsson, Susan L Combs, Wonder Woman Wednesday
- C. Erika Cockrum
- Grace Staten
- Pam Abrahamsson
Happy Holidays! Man, this year went by quick! We are in the home stretch of open enrollment in our office and we are definitely looking forward to a break, as we have been very busy! It has been so much fun to meet so many wonderful women in our industry this year from around the country and feel inspired by their stories. I’m very happy to share the news of Erika, Grace and Pam as we round out the year, and the remarkable things they have been doing in 2017. Have fun getting to know these exceptional women. I know I did! Click here to read more!
Filed under: BenefitsPro, Combs & Company, Innovation Broker Lab, Insurance Women, Motivational, NAHU, Successful Women, Susan L Combs, What's the Good News, Ladies?, WIFS, Women in Insurance, Wonder Woman Wednesday | Tags: Allison Cohen De Paoli, BenefitsPro, BrokerExpo, Cerrina Jensen, Combs & Company, Paula Beersdorf, Susan L Combs, What's the Good News, Ladies?, Wonder Woman Wednesday
- Paula Beersdorf
- Allison Cohen De Paoli
- Cerrina Jensen
March Madness is upon us! This is one of my favorite times of year! It sounds like bracketology will be interesting this year, as there really aren’t any major standouts, so anyone can be Cinderella at the ball! I’ve been also gearing up for speaking season and looking forward to heading out to Denver to speak at the WIFS / NAIFA event. I will then be heading to San Diego for the BenefitsPRO Broker Expo and I’m looking forward to making some new friends from around the country!
This month, I’m very excited to introduce you to my new friends, Paula, Allison and Cerrina! These women are doing fantastic things in the industry and I’m very happy to have them be part of the WTGNL Crew!
Click here to read about Paula, Allison and Cerrina!
Filed under: BenefitsPro, Combs & Company, Combs & Company Blog, Feature Friday, Innovation Broker Lab, Insurance Women, What's the Good News, Ladies?, Women in Insurance, Wonder Woman Wednesday | Tags: BenefitsPro, Christine Cox-West, Claudia Ferreira, Combs & Company, Kate Reilly, Susan L Combs, Wonder Woman Wednesday
This is a special edition of “What’s the Good News, Ladies?” because I get to toot my horn a little and highlight some great women! Last month, I mentioned I was getting ready to go to the Women in Insurance & Financial Services (WIFS) National Conference and I’m ecstatic to report that I was awarded the organization’s highest honor: the Woman of the Year award! I was beyond thrilled and honored to be selected by my peers for this prestigious award from an organization that’s mission is to attract, develop and advance women in our industry.
While I was there, I got to meet Christine, Claudia and Kate. These fine women were the three finalists for the WIFS Fast & Furious session, where they are given 45 seconds to share their best business practice that has helped take their business to the next level. Click here to continue reading and to be inspired!
Filed under: BenefitsPro, Combs & Company Blog, Innovation Broker Lab, Insurance Women, NAHU, Successful Women, Susan L Combs, What's the Good News, Ladies?, WIFS, Women in Insurance | Tags: BenefitsPro, Innovation Broker Lab, What's the Good News, Ladies?, WIFS, Women in Insurance
I can’t believe that the summer is coming to a close! So true what they say: The older you get, the quicker it goes! I know our industry has seemed like a tennis match this summer with the various proposals on health care, so I’m sure you all need a break if you haven’t had one already. I’ve never watched so much C-Span in my life.
Since open enrollment will soon be upon us again, I hope you have all had some R&R time to unplug yourselves and your business. I find it is so important to recharge and come back to work with a fresh mindset! This month, I’m excited to introduce you to three women I admire and have had the pleasure of working with either through associations or my practice. Click here to feel inspired as you meet Brittany, Denise and Susan!
Filed under: BenefitsPro, Combs & Company Blog, Feature Friday, Innovation Broker Lab, Insurance Women, Motivational, Successful Women, Susan L Combs, What's the Good News, Ladies?, WIFS, Women in Insurance | Tags: BenefitsPro, Combs & Co Blog, Inspiring Women, WIFS
The year is flying by! I can’t believe it’s already June, and I’m super excited because my brother and sister-in-law are going to be welcoming my new niece into the world in a few short weeks. Maybe I can get her into the industry early! This project has been hugely rewarding for me as a way to spread the good news about women in our industry and the incredible things they are doing! This month, you’ll get to meet some great women who were introduced to me by other great women. I’m sure you’ll have fun getting to know Sheryl, Ande and Stacey a little better. I know I did!
Click Here to read all about these fantastic women!
Filed under: BenefitsPro, Combs & Company, Combs & Company Blog, Exciting News, Feature Friday, Motivational, NAHU, Susan L Combs, What's the Good News, Ladies?, WIFS, Women in Insurance | Tags: BenefitsPro, Broker of the Year, Capacity Coverage, Combs & Company, EPIC, King City, Mizzou, NAHU, Savoy Associates, Susan L Combs, WIFS
What a whirlwind the past few days have been! I traveled to Indianapolis to attend the BrokerExpo put on by BenefitsPro Magazine. In true traveling fashion, I hit a Diner’s Drive-Ins & Dives place for dinner called Tamale Place that was awesome! The next morning I hit Orangetheory with my good friend David Contorno and then headed to the session where I was a part of the panel of the 5 finalist for the Broker of the Year! At the end of the session they announced the winner and I was excited, shocked, humbled and in awe that I was selected as the 2017 Broker of the Year.
The outpouring of love I’ve received has been overwhelming, to say the least, I truly appreciate all that have reached out. There is no possible way for me to thank everyone personally for the texts, calls, emails, comments on social media, re-posts, shout outs and shares that have been given on my behalf but I will always be eternally grateful. To my family, my friends, my work family (Combs & Co, Capacity / EPIC and Savoy), my association family (WIFS, NAHU, NAIFA and Mizzou), my clients, my mentees, my mentors, my King City Crew, my industry peers and most of all my incredible husband – you have helped me to become the person I am today, thank you for believing in me more than I believe in myself sometimes.
Over the past couple of days, a JFK quote kept popping into my head, “As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” I hope I continue to live my life so that you all know how truly grateful I am for the love and support that you all have shown me and continue to pay it forward for others.
— Susan