Filed under: BenefitsPro, Broker Innovation Lab, Combs & Company, Combs & Company Blog, Mental Health, Motivational, Successful Women, What's the Good News, Ladies? | Tags: Combs & Company, Innovative Broker Lab, Insurance 101, Susan L Combs
I’ve talked to countless colleagues from around the country who are at their wit’s end with abusive clients, ill-mannered employees of clients, overworked staff, and personal exhaustion.
By Susan L Combs | February 01, 2024 at 07:51 AM
Click here for original article on BenefitsPro!

I’ve been reflecting a lot lately about the most recent 4th Quarter. I’ve talked to countless colleagues from around the country who are at their wit’s end with, let’s call it for what it is: abusive clients, ill-mannered employees of clients, overworked staff, and personal exhaustion. In our office, we did a postmortem earlier this month and vowed that “we aren’t doing things that way EVER again.” But the thing is, we didn’t change anything from years prior – the change came from the people and personalities of those we encountered. This is making us take a step back and figure out which systems, policies and procedures we can put in place so we don’t have a repeat in 2024.
But one word keeps coming up: boundaries.
Now, I know many of us pride ourselves on our lightning-fast response time, but the expectations of instant gratification in all aspects of our life seems to be reaching a whole new level. I can’t tell you how many times our office gets an email after 8pm from someone, only to have them “follow up” again by 7 the next morning. If the tables were turned, do you think they would want one of their clients treating them this way?
I began taking only scheduled phone calls about 10 years ago, which was really hard to do in the beginning. But man, this was one of the best decisions I ever made for myself in business. I found that if I was working on a project for a client, and then I answered the phone, it would shift my attention from what I was doing. I would then have to take the time to help or delegate and then shift my brain back to the project I was working on. It was incredibly inefficient.
I have other colleagues who only check their emails twice a day and block out their calendars so their office knows exactly when that will take place — and clients also come to know that routine eventually. I’ve never been one to do that, but I block my calendar like nobody’s business, and stick to it about 90% of the time. My office knows which blocks can be shifted if a call or meeting needs to be scheduled, but they also know not to delete any blocks.
I also think it’s interesting that different parts of the country have different expectations. We are in NYC, where everything was needed yesterday. And for the most part, we seem to always have this magic wand to make that happen. But heading into 2024, we are going to start being harder on deadlines and what is expected from our clients, because our office is the one who suffers with the extra hours and extra stress while our clients carry on during the holidays footloose and fancy free.
I saw a sign this morning that said, “Sure, let me drop everything to fix the problem you caused.” And it honestly made me laugh out loud, because if you are in this industry, you know how true that can be. You can educate, you can explain, but people want what they want when they want it, and they want you to make it happen at all costs. I still laugh when I remember a client firing me and threatening to sue me because I wouldn’t put his unborn child on the health insurance before the birth. Yeah, he really didn’t have boundaries….
So, what are your plans for 2024? Are you making some shifts in your office? Are you adding new staffing roles? Working with new vendors? I’d love to hear what’s going to set you up for a successful 2024!
NOT FOR REPRINT
© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to asset-and-logo-licensing@alm.com. For more information visit Asset & Logo Licensing.
Filed under: Uncategorized | Tags: American Rescue Plan Act, ARPA, COBRA Subsidy, Insurance 101
Curious about how the ARPA COBRA Subsidies work? Check out this article from Benefit Resource!

The American Rescue Plan Act of 2021 (ARPA) was passed through the House and Senate this week. The bill was signed into law on March 11, 2021. While the specifics are still developing, here are 8 things to know about the COBRA subsidy that is included in the bill.
1. It’s a 100% subsidy.
While there were several iterations of the bill and subsidies, the final version includes a 100% subsidy. This will allow eligible individuals to obtain COBRA continuation coverage for their health plan without paying COBRA premiums.
2. It’s specific.
The COBRA subsidy is only available for premiums due from April 1, 2021 through September 30, 2021, referred to as the subsidy period. In order to be eligible, individuals must be in their 18-month Federal COBRA Coverage period.
3. Coverage is not automatic.
While newly eligible individuals will not need to pay premiums, they will still need to elect COBRA coverage in order to take advantage of the subsidy.
4. Employers are responsible for paying premiums, but receive a tax credit.
Employers sponsoring a group health plan will be responsible for paying health insurance carriers for the premiums. They will be reimbursed for 100% of the COBRA premiums through tax credits against certain payroll taxes.
5. New and previous qualified beneficiaries may be eligible.
The COBRA subsidy is available for individuals who are or become qualified beneficiaries as a result of involuntary termination of employment or a reduction in hours. This may include individuals who:
- become eligible for COBRA during the subsidy period
- previously elected COBRA coverage and have paid premiums for prior months
- have not elected COBRA coverage but are still eligible to elect COBRA
6. Eligible individuals will need to be notified.
Eligible individuals will need to receive an updated notification regarding their rights to COBRA and the COBRA subsidy. The Department of Labor and Department of Health and Human Services is expected to provide new model notices within 30-days of enactment of the law.
7. Subsidies apply to Group Health Plans, except FSAs.
The 100% COBRA subsidy applies to the underlying medical coverage, dental and vision plans. Participants may still be responsible for premiums if they elect coverage for an FSA (or other benefits being offered post-employment).
8. Individuals could elect to change coverage.
If an employer permits individuals to change coverage, the premium subsidy cannot exceed the cost of the coverage option the individual was in at the time of the qualifying event.
For example: Assume at the time of termination an employee was enrolled in Plan A and the premium was $500 per month. They have an opportunity to enroll in Plan B, but it costs $700 per month. The employee’s subsidy cannot exceed the original premium of $500 per month.
Filed under: Combs & Company, Cyber Liability, Feature Friday, Insurance 101 | Tags: Combs & Company, Cyber Liability, Feature Friday, Insurance 101, Mitchell Ledven

By: Mitchell R Ledven, Insurance Advisor, Combs & Company, LLC
The current landscape of the U.S. workforce is quite different than it was six months ago. In a world once consumed by daily human interaction, we now find ourselves spending most of our days sitting in front of a screen and talking behind a keyboard. Some may say that this is just a short-term solution to the problem at hand, while others say it will be the way of life moving forward. While we don’t know for certain which answer is correct, we can agree that one thing is for sure and that is every day you log into a computer, there is a risk that someone is out there trying to take advantage of you. That person could be your next door neighbor or a 12-year-old hacker sitting in their parent’s basement on the other side of the globe. The point of this blog isn’t to shake you out of your boots, but it is to inform you about a way to protect your business and its assets. Enter Cyber Liability Insurance, a coverage that helps protect data and operations of your business if you find yourself the victim of a cyber related attack. Here’s how it works:
Cyber Liability Insurance helps protect your business from losses resulting from online threats. These breaches can be suffered on a 1st and/or 3rd party basis. This is a responsive coverage to help soften the blow due to a cyber-attack.
What it Protects Against:
- Username and password theft
- Phishing emails
- Ransomware/cyber extorsion
- Defense costs, fines, and penalties
- Business interruption after a cyber related incident
- Breach response
- Funds transfer fraud
- Crisis management/PR
- Website is hacked
In a Nutshell: If you store data or have systems connected to the internet, you are exposed to cyber threats.
Is it required?: No. However, all states have laws regarding breach notification. Some states have laws dictating cyber protocols. For example, NY has DFS rule 500 and the SHIELD Act, while California has the California Consumer Protection Act (CCPA).
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, Health Insurance, Insurance 101, Insurance Education, Vlog | Tags: Chelsea Whalley, Combs & Company, Covid-19, Insurance 101, J Donovan Financial
Here are 4 quick ways to keep your health insurance coverage by our Combs & Company friend, Chelsea Whalley of J Donovan Financial.
This is for employees who have lost coverage through an Employer Sponsored Plan.
1) COBRA- Contact your Benefits Administrator. Remember, there is no employer contribution so this is an expensive option.
2) Spouse Plan- This Qualifying Life Event (loss of coverage) creates a window of opportunity to join your spouse’s health plan. Contact your spouse’s Benefits Administrator for pricing.
3) Medicaid- A severe loss of income may qualify you for Medicaid at http://www.medicaid.gov
4) Healthcare.gov – The QLE allows you 60 days to enroll in an individual plan on the marketplace.
Filed under: Combs & Company Blog, Health Insurance, Insurance 101, Insurance Education, Susan L Combs, Vlog | Tags: Combs & Company Vlog, Formulary, Formulary Drugs, Insurance 101, Insurance Glossary, Susan L Combs
Check our our quick video to understand what you need to know about Formulary Drugs!
For more Insurance 101, check our our Combs & Co YouTube Channel!
Filed under: Combs & Company, Combs & Company Blog, Health Insurance, Insurance 101, Insurance Education, Vlog | Tags: Combs & Company Vlog, Insurance 101, Insurance Education, Susan L Combs
Check our our quick video about Flexible Spending Accounts (FSA)!
For more Insurance 101, check our our Combs & Co YouTube Channel!
Filed under: Combs & Company, Combs & Company Blog, Insurance 101, Susan L Combs, Uncategorized | Tags: Combs & Company Vlog, EPOs, Exclusive Provider Organizations, Insurance 101, Insurance Terms, Susan L Combs
Check our our quick video about Exclusive Provider Organizations (EPOs)!
For more Insurance 101, check our our Combs & Co YouTube Channel!
Filed under: Combs & Company, Insurance 101, Susan L Combs, Vlog | Tags: Combs & Company Vlog, Insurance 101, Susan L Combs, What are Exclusions
Check our our quick video about what Exclusions are in an insurance policy!
For more Insurance 101, check our our Combs & Co YouTube Channel!
Filed under: Combs & Company, Health Insurance, Insurance 101, Insurance Education, Obamacare | Tags: Combs & Company, Essential Health Benefits, Insurance 101, Insurance Glossary
When the ACA (Affordable Care Act) became law, we were introduced to many new terms. Check our our quick video about Essential Health Benefits!
For more Insurance 101, check our our Combs & Co YouTube Channel!