Pacific Coast Planning - Employee Benefit Services

For some strange reason, I get some of my best ideas when I’m washing the dinner dishes.

When and where do you find inspiration?

One of the side-effects of the pandemic is that we can -- and we are -- working from home. For some, that's meant moving to a new zip code - maybe in another state -- and some employers are fine with that. But, that's also presenting some interesting challenges, especially in the areas of Human Resources and Employee Benefits.

Case in point, I recently took on a new client who are developers of mobile games. Only 25% of the employees call California their home which is problematic as carriers typically decline cases with such low "in-state" participation. Complicating the issue is the company had new ownership, a name change and refiled as a California entity.

With some creative underwriting (thanks to my good relationships with my underwriters), presenting a solid case and demanding to "make it right!" we were able to get the client the coverage they wanted.

I love solving difficult insurance problems - whether it's placing new coverage or helping solve a claim issue. It's what I do!

Bundling discounts are not reserved only for the Geico gecko! If you're not using the same insurance carrier for your group dental, vision and another line of coverage such as group life and/or disability coverage, you're missing out on savings!

Employers and employees alike are concerned if an employee’s hours drop they may be ineligible for insurance benefits.

In a webinar today covering a broad spectrum of employee benefits, it was revealed that most carriers are willing to allow employees to be covered if their hours drop below the minimum requirement or even if the employee is furloughed so long as there is one employee meeting the minimum eligibility requirement.

This is an obvious sign the carriers are willing to make exceptions during these unprecedented times.