When the state of Connecticut introduced its Paid Family and Medical Leave act, it opened the door for business owners of any size to privatize their PFML coverage for cost savings. Connecticut business owners can save even more money by bundling Connecticut PFML benefits with ancillary benefits, including dental, vision, and Group Life / AD&D coverage.
Whether you’re writing Connecticut PFML for larger businesses or smaller companies ranging from 1 to 24 lives, The DBL Center is here to help.
Benefits go into effect January 1, 2022, but employers are considering their options for coverage through the state or a private plan, right now. The state of Connecticut has already started allowing employers to withhold payments for premiums. Businesses who wish to transfer to a private plan, effective July 1, 2021, have until June 30 to hold a vote and write a private policy.
DBL Center brokers can make it easy for their clients to write PFML in Connecticut by walking them through these three simple steps.
Unlike New York or New Jersey – who waived the signature requirement to privatize NJ Temporary Disability Insurance benefits – the state of Connecticut requires employees to vote on and approve a private plan.
Employers are responsible for complying with voting requirements and procedures. The DBL Center has been working with our network of carriers to simplify the process of privatizing PFML in Connecticut.
At least two weeks prior to the vote, Connecticut employers must provide all employees with a written description of the proposed private plan in “plain language.” The “plain language guide” should be reasonably capable of being understood by the document’s recipients. The plan can include details about additional benefits, examples of acceptable claims or payouts based on employee pay, and a list of the types of health care providers accepted by the plan.
Any language or details about the plan must be:
The DBL Center offers a free, downloadable “Plain Language Template” that Connecticut employers, HR departments, and benefits managers can modify and share in advance of the vote.
The Plain Language Guide first explains that the Plan is being offered as an alternative to the Connecticut Paid Family & Medical Leave Insurance Program and gives all employees the same rights, protections and benefits as the state plan.
The Plain Language Guide describes:
Access the Plain Language Guide Template here.
No sooner than two weeks after the employer distributes the Plain Language Guide, employees can vote on the plan. Employers can use an easy online survey tool or a simple, one-question, handwritten ballot that asks if an employee approves of the private plan.
Once the vote takes place, if the proposed private plan is approved by a 50% + 1 majority of all employees (not just those who voted), the employer must file an Insurance Declarations document with the state.
The DBL Center was one of the first in the industry to report on Connecticut PFML laws. We are here to help Connecticut insurance brokers tap into this lucrative recurring revenue stream as Connecticut employees reap the benefits of a generous paid family and medical leave policy.
by Michael Cohen
In the past several years, Paid Family Medical Leave legislation has been sweeping across the Northeast. The DBL Center has been at the forefront of guiding brokers to make the most of this new revenue stream, which can be bundled with ancillary benefits to provide business owners with cost savings while brokers enjoy increased commissions.
As we increase our services in Connecticut and Massachusetts, especially, we’ve been expanding our base into New England with a physical presence in Connecticut. This allows us to service our New England brokers better with a local presence.
Brokers in Connecticut and Massachusetts have turned to The DBL Center in the past year to navigate Paid Family and Medical Leave in Connecticut and Massachusetts. We’ve been helping brokers manage PFL in NY since 2017, so we’re familiar with the transition. Most importantly, we can help brokers use statutory coverage as a springboard to sell highly profitable group ancillary benefits, including dental, vision, and group life / AD&D.
However, as Connecticut and Massachusetts solidify their Paid Family and Medical leave legislation, there are bound to be nuances in the laws that make them different from New York. Already, Connecticut has different paperwork to fill out to privatize PFML in CT. And the definition of a “family member” that someone can take leave to care for hasn’t been fully defined, but it may be less restrictive than New York’s laws.
Learn more about Connecticut Paid Family and Medical Leave here in our resource center.
Having local insurance experts in New England that can focus exclusively on our New England brokers will allow The DBL Center to provide the same level of expert, personalized service across Massachusetts and Connecticut as we have been doing for 45+ years in New York, New Jersey, and Hawaii.
As we focus on customer service and PFML in Connecticut and Massachusetts, we’ve brought on an industry expert with an office in Trumbull, Connecticut. Brian Dewey, the newest DBL Center Group Sales Representative, comes to us from major carriers Sun Life and Ameritas and has been a staple in Connecticut insurance for nearly a decade.
A Massachusetts native and Stonehill graduate with degrees in Economics and Finance, Dewey specializes in group ancillary benefits and will stay on top of the ever-evolving statutory benefits legislation in Connecticut, where he currently resides, and in his home state of Massachusetts.
With our extensive knowledge of Paid Family and Medical Leave coverage, The DBL Center is here to support New England brokers through the confusion of the first year of this new benefit and beyond. Brokers who take advantage of our white-glove, personalized service also gain access to our state-of-the-art Broker Dashboard: Net Revenue Tracker, helping you track renewals, cancellations, and commissions easily from any internet-enabled device.
Reach out to The DBL Center and Brian Dewey to learn more about how to help your customers save money by privatizing PFML in Connecticut today.
by Dawn Allcot
Find industry-leading videos, product demos, and insights
The DBL Center, a wholesale insurance general agency specializing in statutory benefits, has launched a new section of its website to keep insurance brokers up to date on the latest statutory and ancillary employee benefit insurance industry news.
Found in the drop-down menu of the About section on the website navigation bar, or in the drop down on the mobile site, “In the News” features:
The videos showcased on the page represent the culmination of DBL Center President and CEO Michael Cohen’s years of stage experience and his passion for performance. The insurance expert graduated from Boston University with a film degree and now finds a new outlet for his passion through his company’s many marketing and outreach initiatives. “I would have been a stand-up comedian if I didn’t go into insurance,” he says.
In the Meet the Team series of videos, Cohen interviews his staff, revealing their motivations, goals, and a few fun facts. Likewise, the Rep Roundtable series brings together top insurance carriers to discuss industry trends and tips for brokers. This short-form video podcast series launched in 2019 and achieved industry-wide recognition.
Brokers will also find overview videos of the Broker Dashboard: Net Revenue Tracker to learn, step-by-step, how to track renewals, cancellations, and commissions from any internet-enabled device. Interested brokers can schedule a live demo of this cloud-based app using the easy-to-access chat feature directly on the page.
“Our In The News section brings together some of our most valuable media in one place, so you can browse easily during short spurts of down time,” Cohen says. “I hope visitors to our site will discover information, inspiration, and maybe even a laugh or two.”
About The DBL Center Ltd.
With 40+ years in the insurance industry, The DBL Center services 100,000 insured corporations through 4,000 brokers across 15 states as a wholesale insurance general agency. For more information, visit InsuranceWholesaler.net, call 800.325.2777 or connect with us on LinkedIn.
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Privatizing coverage through the Massachusetts State Family Medical Leave Act puts money in the pockets of Massachusetts business owners
Business owners who want to privatize paid family medical leave in Massachusetts have until October 1, 2020, to make their decision. The DBL Center has more than 40 years experience in the statutory benefits markets in New York, New Jersey, and Hawaii.
As statutory benefits expand across New England, The DBL Center is available to help Massachusetts business owners save money. The DBL Center can write privatized policies with top insurance carriers, delivering cost savings and benefits equal to or greater than those underwritten through the Commonwealth of Massachusetts.
Business owners must pay PFML premiums on policies written by the Commonwealth of Massachusetts by October 1, 2020. But Massachusetts business owners who privatize paid family medical leave can defer MA PFML premiums for 2020 until January 1, 2021.
Deferring premiums on statutory PFML in Massachusetts helps free up cash for other expenses and leaves more money in employee’s paychecks.
Paid family leave benefits allow employees to care for:
Beginning July 1, 2021, PFML in MA will also cover time off to care for any family member with a serious health condition.
Privatized paid family and medical leave plans in Massachusetts must provide benefits equal to or better than the state plan.
“Massachusetts business owners who write their PFML policies with The DBL Center will save money and also benefit from the white-glove service we’ve delivered to our customers for decades,” says Michael Cohen, DBL Center president and CEO.
With 40+ years in the insurance industry, The DBL Center services 100,000 insured corporations through 4,000 brokers across 15 states as a wholesale insurance general agency. The DBL Center specializes in DBL, PFL, TDB, TDI, and PFML in Massachusetts and Connecticut. For more information, visit InsuranceWholesaler.net, call 800.325.2777 or connect with us on LinkedIn.
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Prior to the MA Paid Family Medical Leave Act, short-term disability benefits provided partial income replacement for non-work-related illnesses or injuries in Massachusetts.
With MA PFMLA benefits going into effect on January 1, 2021, (and additional benefits beginning July 1, 2021), Massachusetts business owners may wonder if they still need to offer group STD to employees.
The DBL Center, a wholesale insurance general agency specializing in statutory benefits, recently shared details on why Massachusetts business owners should supplement MA Paid Family Medical Leave Act benefits with Group STD.
Employers in Massachusetts must provide statutory PFML coverage. Businesses over 25 employees can write their benefits plan through the Commonwealth of Massachusetts or choose a private plan that:
In 2021, the MA Paid Family Medical Leave Act will compensate workers for up to 20 weeks of personal medical leave. However, if the worker already filed a personal or family leave claim within the past calendar year, they may not be able to collect for the full 20 weeks.
On the other hand, employees can collect STD income replacement for up to 26 weeks, regardless of other claims.
Long-term disability insurance typically goes into effect 26 weeks after an employee becomes disabled. STD provides income replacement for those six weeks (or more) once PFML runs out, before LTD begins.
Better benefits help reduce employee stress and improve retention rates within a company. Combining PFML with Group STD and the best long-term disability insurance , plus ancillary benefits like dental, vision, and Group Life AD&D can set a Massachusetts business apart.
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The DBL Center, a wholesale insurance general agency specializing in statutory benefits, recently posted a summary of statutory disability and paid family and medical leave plans across the United States. Visit InsuranceWholesaler.net to find out what states are on the list.
“Most people don’t realize this, but 37 states threw their hats in the ring this past election to pass Paid Family Leave acts on a state level,” said The DBL Center President and CEO Michael Cohen. “This is a growing legislation that may ultimately become federal, like the Family Medical Leave Act, which offers unpaid job protection for those who are out of work due to illness or to care for family members.”
Moving into 2021, nine states, Washington D.C., and Puerto Rico offer statutory disability plans to employees. Of those states, only Hawaii, New Jersey, and New York provide options to privatize statutory disability through an independent insurance carrier.
California, New Jersey, New York, Washington, Massachusetts, and Rhode Island offer Paid Family Leave as subsets of statutory disability plans. For instance, PFL in New York is written as a rider to DBL coverage.
In New Jersey, Family Leave Insurance is included automatically with TDB premiums. In Massachusetts and Connecticut, the Paid Family and Medical Leave Act covers both family leave and medical leave. It can be written through the state or through a private insurance carrier. Private plans typically offer faster, more flexible payout options and personalized service.
As more states add paid family and medical leave benefits to their statutory disability programs, business owners enter uncharted territory. Reputable insurance brokers can provide the education and guidance business owners need to select the right plans.
“It’s important for business owners to understand the tremendous advantages of writing their coverage with a top-rated carrier rather than going settling for what their state offers,” Cohen says. “Private plans can provide better service, faster claims, flexible payout options, and costs savings over state plans.”
Get a free demo of the Broker Dashboard: Net Revenue Tracker today
The DBL Center, a wholesale general agency, has been breaking new ground when it comes to providing superior customer service and a tech-forward approach to statutory disability sales for insurance brokers.
The Broker Dashboard: Net Revenue Tracker software-as-a-service enables brokers to:
The dashboard provides brokers with everything they need from an account management basis to compare premiums and bind policies easily from anywhere they happen to be.
Accessible from mobile phone, PC, or desktop computer, the Broker Dashboard was met with accolades from brokers as a great way to stay on top of renewals and cancellations and to manage their business from anywhere.
Broker Dashboard Increases Functionality and Adds New Features with iOS App
In September 2020, nearly 3 years from the date of its launch, the Broker Dashboard got its own app in the Apple App store. Available for iOS users (iPhone and iPad mobile devices) the app brings all the functionality of the Broker Dashboard: Net Revenue Tracker SaaS to any iOS mobile device.
User-friendly and intuitive, the app is the future of statutory disability insurance in New York, New Jersey, Connecticut, Massachusetts – and beyond.
The DBL Center is offering brokers a free live demo of the Broker Dashboard: Net Revenue Tracker and its new features. Brokers who take advantage of the demo will receive free access to the Broker Dashboard for all their accounts.
The statutory insurance business is built on return customers and repetitive commissions. “As my father and DBL Center founder David Cohen used to say, ‘It’s not what you earn, it’s what you keep.’ In these challenging times, The DBL Center helps brokers retain more of their business for greater profitability,” says DBL Center CEO Michael Cohen.
Schedule a Broker Dashboard: Net Revenue Tracker live demo today.
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The DBL Center, a statutory insurance wholesaler with more than 40 years of experience, continues to lead the statutory insurance industry with cutting-edge technology. This week, The DBL Center launched the Broker Dashboard: Net Revenue Tracker app in the App Store for iPhone and iPad users. The launch of the app enables brokers to work from anywhere while providing superior levels of customer service to their clients.
Already garnering five-star ratings and close to 200 downloads, the app is patterned after The DBL Center’s proprietary Broker Dashboard: Net Revenue Tracker cloud-based software solution for statutory insurance brokers across the northeast and beyond.
Offering all the functionality of the Broker Dashboard desktop application, the Broker Dashboard app for iPhone and iPad puts the capability to track renewals, cancellations, and commissions at broker’s fingertips.
The DBL Center also recently released a video detailing the capabilities of the Broker Dashboard software.
DBL Center: Helping Brokers Embrace Change
Since the coronavirus pandemic began, studies show approximately 62 to 64% of U.S. employees shifted to remote work. Experts predict the trend to continue even after the pandemic ends. Through technology, resilience, and understanding, the statutory insurance industry can embrace this change and take the opportunity to be able to deliver even higher levels of service to business owners.
“If you run an insurance agency, it’s more important than ever to be able to manage a remote workforce and give your producers the tools they need to do their jobs – in their office or at home,” says DBL Center President and CEO Michael Cohen. “With the Broker Dashboard app for iPhone and iPad, the tools brokers need are just a touch away.”
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Massachusetts becomes the fourth state in the Northeast to mandate benefits under a paid family and medical leave act
DBL Center, the family-owned and operated wholesale insurance general agency specializing in statutory short-term disability benefits, is ready to offer Massachusetts insurance brokers and business owners incredible savings on PFML plans under the new Massachusetts Paid Family and Medical Leave Act.
The MA Paid Family and Medical Leave Act applies to individuals who need time off:
Privatize Massachusetts Family and Medical Leave Act Coverage for Competitive Benefits at Lower Rates
As in New York and New Jersey, states which have offered short-term disability and paid family leave for several years, business owners in Massachusetts have the option to privatize their FMLA policies for substantial cost reductions.
By law, private FMLA plans must offer benefits of the same amount and duration – or better – than plans underwritten and paid for by the state. That’s why it’s important for business owners to find a source they can trust to write their family and medical leave act coverage in Massachusetts.
Bundle PFML to Save Even More
PFML is a stand-alone benefit, but not every carrier can write PFML as a stand-alone policy. DBL Center has the industry connections and the volume to write PFML direct to businesses or to act as an insurance wholesale general agency for Massachusetts brokers.
DBL Center delivers white-glove service, low premiums, and superior benefits packages. Businesses can save even more by bundling FMLA coverage with group ancillary benefits like dental, vision, and group life / AD&D.
DBL Center Enhances Focuses on Customer Service and Technology
As testament to the company’s dedication to customer service and education, DBL Center recently launched a Massachusetts Paid Family and Medical Leave Act Resource Center on its website.
DBL Center also recently introduced 24/7 live chat on its website. Simply type in the chat box and a knowledgeable representative will answer your questions about the Massachusetts Paid Family and Medical Act, short- or long-term disability insurance, and group ancillary benefits.
“Massachusetts in the fourth state in our region to introduce paid family leave. As experts in short-term disability and paid family leave in New York, New Jersey, and Connecticut, DBL Center is poised to become the number one source for brokers and business owners, alike, to privatize PFML in Massachusetts for cost-savings and exemplary customer service,” says DBL Center President and CEO Michael Cohen. “We want anyone in Massachusetts affected by the law to know they can come to us with questions, for guidance, or to write their policies at substantial savings compared to the state plan.”
Celebrating 40+ years in the insurance industry, The DBL Center services 100,000 insured corporations through 4,000 brokers across 15 states as a wholesale insurance general agency. The DBL Center specializes in Disability Benefits Law (DBL) and PFL (Paid Family Leave) coverage in New York, Temporary Disability Benefits (TDB) in New Jersey, and Temporary Disability Insurance (TDI) in Hawaii. The DBL Center also underwrites, manages and maintains Group Life/AD&D, vision, and dental packages, as well as individual life and income replacement policies, giving brokers and their customers the benefits of multi-line discounts and a single point-of-contact.
Through its dedication to personalized, concierge-level service, The DBL Center Ltd. remains true to its roots as a family- owned and operated, relationship-focused wholesale insurance agency.
InsuranceWholesaler.net is the company’s gateway to premium service, low insurance rates, and high commissions.
For more information, visit InsuranceWholesaler.net, call (631) 293.5100 or connect with us on LinkedIn.
The DBL Center, a wholesale general agency with 40+ years of insurance industry relationships, wants to help New Jersey business owners privatize NJ temporary disability insurance for possible cost savings and white-glove service.
Privatized NJ temporary disability insurance offers businesses:
By law, premiums must be the same or lower than NJ temporary disability insurance written through the state. Private New Jersey TDB benefits must be the same as – or better – than those offered by the state.
Premiums for NJ Temporary Disability Insurance Increase
New Jersey has a robust disability benefits package. In January 2020, New Jersey TDB payouts increased to 66.67% of a worker’s average weekly salary, up to $667 per week. As of July 1, 2020, the benefit grows to 85% of a worker’s average weekly salary, capped at $881 per week.
With these benefit increases come a change in premium payments, too.
Employees now contribute .26% on the first $134,900 of earnings, with a maximum annual contribution of $350.74. Employers contribute based on employees’ earnings, with a cap of $35,000.
Is It Time for Business Owners to Privatize New Jersey TDB?
June 30, 2020 represents the next deadline to privatize New Jersey TDB.
Working through The DBL Center’s vast network of brokers, businesses can write privatized New Jersey TDB policies in three simple steps.
1. Obtain form AC-174.
Insurance brokers can no longer download the AC-174 form for their customers. Employers must visit the New Jersey Department of Labor website and fill out the Employer Application.
2. The DBL Center works with brokers to shop policies through a network of top-rated carriers.
The DBL Center does all the work from here. “We leverage our industry relationships and volume to find the lowest premiums. Many of our brokers save even more for their customers by bundling New Jersey TDB with ancillary benefits like vision, dental, and life insurance,” says DBL Center President and CEO Michael Cohen.
3 Enjoy exemplary service with privatized NJ temporary disability benefits (TDB).
DBL Center provides its New Jersey TDB brokers with the tools, resources, and relationships to deliver low rates, exemplary service, and benefits business owners can trust.
“The world seems to be changing here in the Northeast U.S. every day,” says Cohen. “The service New Jersey business owners receive from The DBL Center and our network of broker partners is one thing they can always count on.”