September Benefits Focus

Benefits Focus

Click here to access the September issue of our Benefits Focus newsletter. In it we focus on changes we’re seeing due to COVID-19 whether it’s the impact on 2021 open enrollment, increases in wrongful death lawsuits against employers, or the need to read the labels on our hand sanitizer more carefully.

Our Employee Benefits Team is your resource to answer questions about your coverage or provide more guidance pertaining to the articles in this newsletter,

August Benefits Focus

Benefits Focus

This month’s Benefits Focus features two different resources to help you prepare for what is expected to be an open enrollment unlike any we’ve seen. Our two legal updates will provide clarity on both the proposed rule to allow grandfathered group health plans make specific changes without threat to their status as well as President Trump’s executive orders to lower certain specific drug prices.

Read these articles and more when you click here.

The Alper Employee Benefits Team is here to answer any questions you have regarding this information or employee benefits in general,

A New Chapter For Alper

Alper Services An Alera Group Company

Alera Group Expands Chicago Presence with Alper Services Acquisition

Deerfield, IL (August 11, 2020)—Alera Group, a national employee benefits, property casualty, retirement services and wealth management firm, announced today that it has acquired Alper Services LLC, effective August 1, 2020.

Founded in 1966, Alper Services focuses on providing innovative insurance solutions which minimize risk, protect assets and reduce liabilities for clients throughout the Midwest and Chicagoland area. Along with its expertise in property and casualty, trade credit, employee benefits and financial services solutions for middle-market corporations, the firm is known for its unique claims service model and AuditRate division. Alper Services was named a Best Practices Agency four years in a row by the Independent Insurance Agents and Brokers of America.

“The Alper Services team, led by Leslie Morse, is a strong addition to Alera Group’s presence in Chicago and throughout the Midwest,” said Alan Levitz, CEO of Alera Group. “Alper has built a terrific brand and reputation because of the great people inside the organization and their risk management expertise. It is a pleasure to welcome them to Alera Group knowing that they will bring great value to our collaborative culture.”

“We are excited to join Alera Group and GCG Financial, and we look forward to the ways their national platform will further enhance the Alper Services client offerings,” said Leslie Morse, CEO of Alper Services. “As an Alera Group company, we will be able to provide our clients with more top-rated carriers, broader insurance expertise and more accessible technology solutions than ever before.”

Alper Services joins Alera Group through GCG Financial, an Alera Group company located in Deerfield, Illinois. The Alper Services team will continue serving clients in their existing roles. Terms of the transaction were not disclosed.

The Voluntary Benefit That Helps Your Employees Financially When Accidents or Illness Occurs

NEW WEBINAR – August 19 | 2:00 – 3:00pm

Your employees and their families get sick and have accidents, which can require a trip—or multiple—to the hospital. Even with medical coverage, your employees may have critical gaps that can result in unexpected expenses and financial stress. Accident and Hospital Indemnity Insurance offers employees additional financial protection for over 150 unforeseen life events and 29 conditions.

Help your workforce feel prepared with extra protection for the unexpected. This webinar provides details on this coverage including:
• No age restriction for employees/spouses to enroll, and no waiting period
• Flexibility to tailor plans and choose benefit amounts
• A single-source service site, with a dedicated account manager, and one phone number for employers
• A quick and easy claims experience

CLICK HERE TO REGISTER for more information about MetLife’s Accident and Hospital insurance and why you should include this increasingly popular benefit in your employee benefit offering.

July Benefits Focus

Benefits Focus

The coronavirus pandemic continues to evolve, and as a result, so does how America does business. Our latest Benefits Focus features articles that will help your HR department answer COVID-19 related questions. Plus, learn how to leverage your benefits offerings for current and prospective employees. Read this and more when you click here.


The Alper Employee Benefits Team is here to answer any questions you have regarding this information or employee benefits in general,

June Benefits Focus

Benefits Focus

We’re several months into the coronavirus pandemic and now able to see more of its impact on the health care industry. This month’s Benefits Focus explains refunds that employers may see from their insurance carriers due to coronavirus savings and features a guide on how those refunds must be used by employers.

We boost your benefits knowledge with a thorough explanation of the Form 5500 reporting and the newly released 2021 HSA/HDHP limits. And finally, don’t miss Live Well Work Well this month. We learn about a not-so-typical wellbeing booster and prep for grilling season with safety tips.

Get the June Benefits Focus here.

Client Spotlight: Simon Hegele Healthcare Solutions

Client Spotlight

If you’ve had an MRI or CT Scan, chances are the imaging equipment used to perform the procedure was installed by Wood Dale-based Simon Hegele Healthcare Solutions (“Hegele”). An Alper Client for 15 years, Hegele organizes and manages the supply chain of high-tech nuclear medicine and imaging machines throughout North America, Latin America and Asia Pacific. With more than 150 employees, Hegele partners with the world’s largest imaging manufacturers to transport and install these intricate machines in highly sensitive health-care facilities, as well as refurbish second-hand equipment to exacting manufacturer standards before shipping and re-installing them. Deemed an essential business by the Cybersecurity and Infrastructure Security Agency (CISA), Hegele’s technicians continue to ensure critical medical equipment is installed worldwide, even while many communities remain under strict lockdown orders. Continue reading

Return To Work Guide

As we near a time when stay-at-home regulations are scaled back and all businesses are allowed to resume full operations, business owners need to decide on an acceptable date to begin reopening. To help with this process, Alper has created a collection of Return To Work materials broken into four sections:
We will continue to update these materials as more information becomes available. Please do not hesitate to reach out to your Alper Representative with questions.

Deciding When It’s Right For You To Reopen

A recent survey by Blank Rome  found that 73% of the companies surveyed have not yet developed a return-to-work strategy. If and when the government allows businesses to reopen, that doesn’t mean COVID-19 is no longer a threat. Some businesses may have greater exposures than others, so you will need to understand the risks and decide when it’s right for you. To help you in this process, consult the Centers for Disease Control, your state’s shelter in place orders and union obligations if any apply. We’ve listed additional organizations’ guidelines that would be helpful: 

CDC Guidelines

EEOC Guidelines

OSHA Guidelines

Executive Order by State

White House Guidelines

City of Chicago Coronavirus Response Center

State of Illinois Coronavirus Response Site

Preparing Your Business To Avoid An Outbreak

Before you reopen your business, you’ll need to think about how you can do so safely. Most businesses will not be able to flip a switch and go from closed to open, but rather will need to reopen in phases. This section provides an overview of how to prepare for reopening. Continue reading