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Employee Benefit News for School, City and County Employers

Ken Zastrow

Ken Zastrow enjoys establishing a strong rapport with his clients. He believes that education is key in helping them understand their benefit plans. Ken has a strong background in underwriting and post-employment benefits. As Employee Benefits Consultant at National Insurance Services, Ken is responsible for the overall assessment and management of all an employer’s benefit plans including claim reconciliation, policy changes, renewals, and medical and dental analytics. He is also well versed in compliance, benefit integration, and early retiree benefits. Ken is a licensed insurance agent (Health, Life, Series 6 and Series 63) as well as a registered financial representative with GWN Securities. He works with schools, cities, and counties in Wisconsin.

Recent Articles by Ken Zastrow

2020 IRS Contribution Limits

30 second read

Download our new 2020 IRS Contribution Limits Infosheet. This handy reference for public sector organizations highlights the contribution limits for your HSA, HRA, FSA, retirement...


HSA Compliance for 2020

1 minute read

A Health Savings Account (HSA) is one type of medical savings account that employees can use if they have a high deductible health plan (HDHP). The account can be used to pay for...


Final Rule Expands HRA Options

2 minute read

On June 13, 2019, the Departments of Labor, Health and Human Services, and the Treasury Department issued a final rule that expands the use of health reimbursement arrangements...

New Proposed Wellness Rules Coming in 2019

1 minute read

The Equal Opportunity Commission (EEOC) announced its plans to issue new proposed rules on permissible wellness incentives under the Americans with Disabilities Act (ADA) by the end...

Calculating COBRA Premium When You Offer an HRA

2 minute read

Do you offer your employees a Health Reimbursement Arrangement (HRA) that integrates with their health plan? If yes, you are required to offer COBRA continuation of coverage for the...


Trump Addresses Employee Benefits at State of the Union Address

President Trump delivered his 2019 State of the Union Address on February 5, 2019. During his speech, he touched upon several issues that could impact the employee benefits industry, including...

Hope for Wisconsin Cities Struggling with Unfunded Retiree Health Care Liabilities

In the 1970s-1980s, most Wisconsin cities began offering to pay all or some of their retiree’s health insurance benefits post-employment. Some organizations allowed employees to exchange...

How Physician Quality Data Impacts Your Health Plan Costs

Rebecca was a married mother of two who enjoyed bike riding, boating, and spending time with family. Over the course of a few months, she began having migraine headaches and extreme fatigue. Her...

IRS Issues HSA Contribution Change for HDHP Family Coverage

The Internal Revenue Service (IRS) has issued a reduced contribution limit for Health Savings Accounts (HSAs) impacting individuals with family coverage. The Tax Cuts and Jobs Act passed late last...


Wisconsin Public Sector employers will no longer offer domestic partner employee benefits

Due to the legalization of same-sex marriage, Wisconsin has made some big changes regarding domestic partnership in their recently passed 2017-2019 state budget.