Value Statement:
"We are committed to treating our clients with fairness and respect. We strive to educate insurance prospects and clients alike about the potential risks for loss unique to them individually, and the products that are available to secure them from financial loss. It is our commitment to serve all members of our community with expertise and financially sound insurance products."
"IBI has been and continues to be a real asset to our company."
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Aug
23 |
August 23 2010
The Exchange: A Utah Solution for Utah Businesses Offering affordable health insurance benefits has become an increasingly difficult proposition for businesses. The Utah Exchange allows Utah businesses to harness the power of defined contribution plans which offer multiple advantages for both employers and employees. more» |
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Aug
02 |
August 02 2010
Will Congress pass an extension for ARRA COBRA Subsidies? As of the printing of this publication, Congress has not passed legislation to extend the ARRA COBRA subsidy program. Employees who were “involuntarily terminated” between September 1, 2008 and May 31, 2010 were eligible for “reduced COBRA premiums” (provided they met certain requirements). The program has been extended three times and employers just want to know if it will be extended again. more» |
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Jul
28 |
July 28 2010
IRS Issues Cafeteria Plan Guidance in Response to Healthcare Reform Cafeteria plans are being altered at most companies thanks to the new rules issued by the Internal Revenue Service. If employees enroll their eligible dependents on their health insurance plans, the new cafeteria plan rules allow those employees to make immediate tax-free contributions. more» |
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Apr
13 |
April 13 2010
A Look at Healthcare Reform's Impact on Employers On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act. Along with the Health Care and Education Reconciliation Act of 2010, this legislation will make significant changes to our current health care system. more» |
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Jan
03 |
January 03 2010
COBRA Subsidy Program Extended through February 2010 In late December 2009, President Obama signed into law changes to the COBRA premium subsidy law that was previously set to expire on December 31, 2009. The extension brings added compliance obligations for employers, as the program has been extended two months through Feb. 28, 2010, the subsidy period is expanded by 6 months to 15 months total and separate notice requirements apply. more» |
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Oct
02 |
October 02 2009
Economic Stimulus Measure Also Strengthens and Expands HIPAA’s Privacy Requirements The economic stimulus package enacted earlier this year includes provisions that extend and strengthen the privacy requirements of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). These changes significantly affect employer health plans, along with the various vendors and contractors that provide services to these plans. more» |
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Jul
13 |
July 13 2009
Law Protects College Students on Medical Leave Under H.R. 2851—also known as Michelle’s law—group health plans or insurers may not terminate coverage of a dependent child who is eligible for coverage under a parent’s plan on the basis of being enrolled in a post-secondary educational institution, when that dependent takes a medically necessary leave of absence from school due to a serious illness or injury. more» |
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Apr
02 |
April 02 2009
CHIP Reauthorization Act Creates New Special Enrollment Rights, Notice and Disclosure Obligations For Employers New special enrollment rights, along with notice and disclosure requirements for employers, are among the provisions in the Children’s Health Insurance Program (CHIP) Reauthorization Act of 2009, signed into law by President Obama on February 4, 2009. CHIP is the federal program that gives matching funds to states in order to provide health insurance to low income families with children. The Reauthorization Act expands the program, but is also including new special enrollment rights and notice and disclosure requirements for employers. more» |
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Mar
30 |
March 30 2009
Utah Insurance Department Provides Information on Recently Enacted Federal COBRA and Utah mini-COBRA Laws We've received numerous calls over the past few weeks regarding the recent legislative changes. Please take a moment to familiarize yourself with the information in the link below. For those employers that are Utah mini-COBRA eligible (20 or less employees) it appears that the insurer will be required to notify employees of additional second notice. Those of you who fall under federal COBRA (over 20 employees) have been working with us over the past couple weeks to ensure we are sending out the second notice to the correct employees. These notices will be going out in the coming week. http://www.irs.gov/newsroom/article/0,,id=204505,00.html more» |
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Mar
18 |
March 18 2009
COBRA Law update According to the most recent update we received from the Department of Labor we should have received the official model notices for the new COBRA regulations yesterday March 17th. The model notices have yet to be released. For your information, once the model notices are released the new law states that we have 30 days to get the notices sent out to qualified individuals. more» |
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