Blog Category | Employee benefits
How Your Leave - PTO - Flexibility Benefits Compare to Other Employers
Flexibility Isn’t a Perk Anymore — It’s an Expectation Employee expectations around flexibility and time off have changed dramatically over the past few years. What was once considered a competitive perk is now a baseline expectation, and organizations that haven’t revisited their leave strategy may be falling behind without realizing...
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5 Steps to Creating a Financial Wellness Program That Supports Employees and Business Outcomes
Many employers incorporate a health wellness program into their organization, but financial wellness is just as important. Studies show that 47% of all employees are stressed about finances and 54% of those employees say they will likely use their retirement funds for expenses other than retirement.
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Compliance Calendar 2026
Staying compliant doesn’t have to be complicated. The 2026 Employee Benefits Compliance Calendar from Innovative Benefit Planning is a free, downloadable resource designed to help employers, HR teams, and business leaders stay organized, informed, and ahead of critical deadlines throughout the year. This comprehensive calendar highlights key federal compliance dates...
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5 Common Open Enrollment Compliance Mistakes Employers Make
Open enrollment is one of the busiest times of the year for HR and benefits teams. With so many moving parts, from employee communication to vendor coordination, it’s easy for key compliance steps to get overlooked. Even small errors can lead to employee frustration, missed opportunities, or potential legal exposure....
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CREAMM Act: Employer Compliance Guide | Innovative
What New Jersey Employers Need to Know About the CREAMM Act (and How to Stay Compliant) As New Jersey’s employment laws continue to evolve, one of the most significant changes in recent years is the legalization of recreational cannabis under the Cannabis Regulatory, Enforcement Assistance, and Marketplace Modernization Act (CREAMM...
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How Transitioning to an Employers Sponsored Health Plan Saved $2.3M in Paid Claims
Is your employee benefits plan right for you? Fully insured health plan models are not always the right fit for every employer. Find out now if self-funding strategies could help your organization save in paid claims.
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Their Employment Has Ended, Make Sure They Know Their Options
Terminated employees may not know their options to continue medical coverage post-employment, so we have put together various medical coverage options and a retirement plan checklist that they can use as a tool.
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How We Resolved One Clients Self-Funding Worries Through Proprietary Confidence Projection
Our client had considered transitioning from fully insured to self-funding for several years. Although we projected the change would bring considerable savings, they remained concerned by the risk that the model might not perform as expected. Find out now how we resolved their worries and reduced expenditures by 16%!
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Prescription Drug Carveout - Fastest Way to Reduce Benefit Costs
Prescription Drugs typically makes up 20% of an employer’s overall spend, and with the rise in specialty drugs, industry experts expect that number to encroach 50% by 2020. What many employers do not realize is, they may be able to “carve out” this coverage from their medical plan, resulting in...
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Innovative Ways Employers Can Deal with Employee Student Loan Debt
Student debt has increased dramatically in recent years, creating a financial burden on employees’ ability to save for retirement. Many employers have begun implementing programs to help employees manage student loan debt.
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Innovative Saves Company From a $440,000 Renewal Increase 45 Days Till Renewal
A construction company with 100 employees was facing a 29 percent renewal increase for its employee benefits package. The additional cost, which was over $440,000, was much more than the company could absorb. Find out how Innovative was able to save this company from a $440,000 increase 45 days prior...
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See How Our Employee Advocacy Saved One Member Over $22K
Employees truly need an advocate to navigate the complex healthcare system today, which is why Innovative provides our clients with a dedicated as their single point of contact for help with anything benefits related. See how our benefit guardian helped save one client over $22,000!
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How One Client Put $500 Per Month Back in Employees' Pockets
Facing a highly competitive job market, our client struggled to attract and retain skilled employees as candidates chose employers offering comparable benefits at lower healthcare costs. Determined to maintain a comprehensive employee benefits program while improving affordability, the company needed a more competitive benefits strategy. Discover how Innovative helped reduce...
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Client Saved $1.13M in 2 Years with Prescription Drug Carve Out
There has been a 34.5% YOY growth rate in the northeast for middle market employers choosing self-funding. With this growth, employers are evaluating self-funding as an option. Find out now if self-funding may be right for your organization!
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A Breakthrough Way to Take Control of Healthcare Cost
Employers are turning to Reference-Based Pricing as a tool to control their healthcare cost. Learn what RBP is, the benefits and obstacles, and Innovative’s unique 6 step process.
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