Have Questions?

We have answers! Below you’ll find answers to common questions you may have.

Contact Us

Explore FAQs

Quickly find what section you are looking for here!

General Questions

A qualifying life event is a major life change that allows an employee to make changes to their benefits outside of the open enrollment period. Examples include marriage, divorce, birth or adoption of a child, loss of other coverage, or significant changes in employment status.

The federal open enrollment period is a designated time each year when individuals can enroll in or make changes to their health insurance plans through the marketplace, typically between November 1 and mid-December. Outside of this period, changes can only be made after a qualifying life event.

If you miss the federal open enrollment period, you may not be able to enroll in or change your insurance plan unless you experience a qualifying life event. In some cases, you may also qualify for a Special Enrollment Period based on certain circumstances.

You can make changes to your benefits outside of the open enrollment period if you experience a qualifying life event, such as marriage, having a child, or losing other insurance coverage. These changes must typically be made within 30-60 days of the event, depending on your plan.

Yes, during the federal open enrollment period, you can make changes to your individual health insurance coverage even if you have employer-provided insurance. However, you should evaluate your options carefully to avoid overlapping or losing key benefits.

We offer a comprehensive suite of insurance products and services, including group insurance, individual health insurance, disability insurance, and Medicare plans. Additionally, we provide benefit administration, HR support services, and employee assistance programs to help businesses and individuals manage costs and comply with regulations.

We stay up-to-date on the latest regulations and provide ongoing support to ensure that our clients’ insurance plans are fully compliant with state and federal laws. This helps protect them from potential legal issues and penalties.

Selecting the right carrier and broker is critical to the success of your insurance plan. We recommend evaluating carriers based on financial stability, customer service, and their track record, while brokers should be chosen for their expertise, reputation, and communication skills. At Lavinder Group, we pride ourselves on providing expert guidance and top-tier service to all our clients.

Open enrollment is the annual period during which employees can enroll in or make changes to their benefits plans, such as health, dental, vision, and life insurance. Changes outside this period are usually only allowed after qualifying life events, like marriage or the birth of a child.

Get Quote

Contact Us

Employee Benefits

Group insurance is a type of insurance coverage provided by employers to their employees as part of a compensation package. It often includes health, dental, vision, life, disability, and retirement plans. The primary benefits for employees include access to more affordable insurance options and broader coverage than they might receive through individual insurance plans.

We offer a variety of group insurance plans, including fully-insured plans, level funded plans, and self-funded plans. Each plan type has its advantages, and we work closely with employers to determine the best fit based on their budget and needs.

Worksite benefits, such as accident, critical illness, and hospital indemnity insurance, provide additional financial protection for employees. They help cover unexpected costs not typically included in core medical plans, giving your employees peace of mind.

Compliance with federal and state regulations, such as ERISA and the ACA, is crucial for avoiding penalties and legal liabilities. We provide support to ensure that your group insurance plan remains compliant with all relevant laws.

Educating employees about the benefits and options available to them is key to maximizing the value of a group insurance plan. We offer benefit administration and enrollment services, as well as HR support and employee assistance programs (EAP) to help engage and educate your workforce.

Yes, Lavinder Group offers a range of customizable benefits solutions designed to fit businesses of any size. Whether you’re a small, midsize, or large organization, we can tailor your offerings to meet your specific needs and goals.

COBRA allows employees to continue their health insurance coverage after leaving employment. Integrated COBRA administration ensures you stay compliant with federal regulations and makes it easier to manage ongoing benefits for former employees.

Premiums for group insurance are typically age related or underwritten based on the risk factors of the entire group, rather than on an individual basis. This can result in lower premiums and more comprehensive coverage compared to individual insurance.

Get Quote

Contact Us

Individual Insurance

Disability insurance provides a safety net by replacing a portion of your income if you become unable to work due to injury or illness. This can help you maintain financial stability during difficult times.

Choosing the right Medicare plan depends on your individual health needs and budget. We offer a variety of plans and can guide you through the selection process to ensure you find the best coverage for your situation.

On marketplace insurance is purchased through the Affordable Care Act (ACA) marketplace and may qualify for subsidies or tax credits. Off marketplace insurance is purchased directly from insurers and typically offers more flexibility in coverage options, but does not qualify for ACA subsidies.

Dental and vision insurance can help cover routine checkups, treatments, and eyewear, reducing your out-of-pocket expenses. These plans make it easier to manage the costs of maintaining your oral and visual health.

Choosing the right plan depends on your personal needs, budget, and coverage preferences. Lavinder Group offers personal consultations to help you understand your options and select the best insurance plan for your situation.

Long-term care insurance helps cover the costs of services like nursing home care, assisted living, and in-home care. It’s an important consideration for anyone planning for their future health care needs, ensuring you’re financially prepared for potential extended care.

Annuities are financial products that provide a stream of income, often used for retirement planning. You pay into an annuity, and in return, you receive regular payments over time. Lavinder Group offers personal consultations to help you decide whether a fixed, immediate, or deferred annuity best suits your needs.

Get Quote

Contact Us

Executive Benefits

Executive benefits are specialized compensation packages designed for senior-level employees. These often include additional perks such as enhanced life and disability insurance, executive retirement plans, and supplemental health coverage, tailored to attract and retain top talent.

Offering executive benefits helps attract and retain key leadership by providing financial security and incentives that align with the long-term goals of the company. These benefits demonstrate a commitment to top-tier employees, helping to ensure their loyalty and ongoing contribution to business success.

Executive benefits go beyond standard employee benefits by offering higher levels of coverage, supplemental retirement plans, and tailored options like performance-based incentives. These benefits are designed to meet the unique financial and personal needs of top-level executives.

Yes, Lavinder Group provides personalized consultations to help design comprehensive executive benefits packages that include tailored compensation plans, enhanced insurance options, and retirement solutions, ensuring your leadership team is rewarded and retained effectively.

Get Quote

Contact Us