Benefits Focus For August 2015

August Benefits FocusAlper’s August Benefits Focus newsletter covers the U.S. Supreme Court’s ruling on same-sex marriage and the Anthem, Inc. – Cigna Corporation merger.
Questions concerning these topics and any other employee benefits matters can be directed to our Employee Benefits Team:

Benefits Focus For July 2015

July Benefits FocusThe July Benefits Focus provides information on embedded out-of-pocket limits, a new Q&A on Section 6056 and the latest additional Voluntary Benefits resources provided by Alper. Please contact the Employee Benefits Team with any additional questions:


Benefits Focus For June

Alper June Benefits FocusThe June issue of our Benefits Focus newsletter is out and includes an overview of the agencies’ plan to issue final rules for the SBC requirements, the IRS’ update for 2016 HSA Limits and revisions to Small Employer status in the ACA. Please contact us with any questions or if you’d like to continue the conversation further:

May Is National Disability Insurance Awareness Month

closeup of leg on bandage with crutches

Sam Cook, a top sales person at his company, fell off a ladder over the weekend while spring cleaning. His back is sprained, and he is expected to be out for at least eight weeks. How will Sam and his family get by if he is not working?

Disability Insurance provides supplementary income in the event of an illness or accident resulting from a covered disability that prevents an individual from working at their regular position.

If they were injured or ill and couldn’t work, half of Americans wouldn’t make it more than one month before financial difficulties set in. Are you and your family protected? Your income is critical to your financial security, and yet you rarely think about how a non-work related illness or accident puts you at risk. In fact, 95% of disabling accidents and illnesses are not work related, so Worker’s Compensation doesn’t cover them.

Having Disability Insurance can add peace of mind during distressing times. Contact Alper for information on Short- and Long-Term Disability products or for a personalized product proposal for your company.

Alper Employee Benefits Team

Benefits Focus For May

MayBenefitsFocusThe May issue of our Benefits Focus newsletter is out and includes details about the recent Affordable Care Act legislation and employers’ responses to it. Please contact us with any questions or if you’d like to continue the conversation further:

Did You Know?: Excepted Benefits

Excepted Benefits LegislativeBrief

Excepted Benefits are benefit products that are designed to supplement comprehensive medical coverage. The Departments of Labor, Health and Human Services and the Treasury  have made important changes to the regulation of excepted benefits including new rules governing Employee Assistance Plans (EAP).

Please click on the brief to the right for greater details on the four categories of excepted benefits under the ACA.

Cyber Liability: Don’t Be A Cyber Victim!


Data breaches, privacy violations and network security invasions are no longer just the problem of big business.  It is estimated that 1 in 3 mid-sized businessesof all types, including offices, service firms, distributors and manufacturers—will be victims of targeted cyber-attacks.

Some of the most notorious cyber scams start with one of your employees opening an innocent-looking email under the guise that it’s from your bank or another trusted source.

Too many mid-sized businesses do not recognize how much cyber risk they have, or they mistakenly believe their IT provider will protect them in the event of an attack.  If you conduct any business online, store sensitive data on a network, or as we saw, just open an email, you are vulnerable to a cyber-attack.  Unfortunately, it is that simple.

 Cyber Insurance should be part of your overall risk management and security practices in 2015.

If you’re a victim of an attack, Cyber Insurance can protect you from liability when your customer’s sensitive data is exposed.  Cyber Insurance can cover the significant costs you will suffer as a victim of cyber extortion or data loss.  More importantly, most Cyber Insurance programs are affordable and will provide you with resources to enhance your businesses overall cyber security.

Please contact us for a complete analysis of your cyber exposure and to learn more about how Cyber Insurance can reduce the impact of an attack and keep you in business: 312.642.1000 or