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Employee Benefit News for School, City and County Employers

Steve Smith

Steve Smith is a powerhouse of energy, living by the mantra "work hard, play hard." As an expert in uniting teams for a greater purpose, Steve's innovative and creative strategies in employee health and wellness are game-changers. With over 25 years of expertise in health insurance, covering compliance, cost mitigation, utilization, analytics, wellness plans, and strategic planning, Steve is the go-to expert for driving down utilization trends and fostering a culture of well-being. His clients trust him to deliver exceptional results, making him an invaluable asset in the industry. As an Employee Benefits Consultant, Steve specializes in health care consulting for Minnesota public sector organizations including fully insured, self-insured, and stop-loss plans. Steve is a licensed insurance agent and holds the designations for Managed Healthcare Professional (The Health Insurance Association of America), Certified Patient Protection and Affordable Care Act Professional (National Association of Health Underwriters), and Group Benefits Disability Specialist (Hartford School of Insurance).

Recent Articles by Steve Smith

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WI Public Sector employers no longer offer domestic partner 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.

Benefit Integration: Do Your Benefits Complement or Compete?

Employee benefit integration is taking a step back and looking at the whole picture. Do you know how all of your benefits work together? Think of your employee benefits package as a house. Although...

Claim Analysis: A Prescription for your Health Insurance

When’s the last time your health insurance plan had a check-up? Do you know what your loss ratio is? Are you paying more premiums than you should? If you don’t know the answer to these questions, now...

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What IA Benefit Administrators Can Learn from the Aftermath of WI’s Act 10

Iowa’s House File 291, passed in March 2017, limits public worker’s collective bargaining and negotiating rights. This puts Iowa’s public workers and employers onto a new playing field when it comes...

How to Add Value to Your Benefit Package Without Adding Cost

Do you make a lump sum payment upon retirement for your employees’ unused sick leave, vacation pay or other early-retirement incentives? If you do, there is a way to increase the value of the benefit...

The Value of a Strategic Benefit Plan for Schools, Cities, and Counties

Updated March 2022

2 minute read

A competitive employee benefits package is essential for attracting and retaining quality employees, but continuing to offer the same plan year after year is tough...

Update - IRS releases FAQ Clarifying Integrated HRA Administration

This is an update to our December 2016 blog post (IRS Updates Will Impact School, City and County HRA Plans in 2017) regarding IRS Notice 2015-84 – Dependents seeking reimbursements from an HRA.

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21st Century Cures Act: Schools, Cities and Counties to Offer HRAs

With President Obama recently signing into law the 21st Century Cures Act, small schools, cities and counties will be able to offer stand-alone HRAs (Health Reimbursement Arrangements) to their...

IRS Updates Will Impact School, City and County HRA Plans in 2017

There are two changes effective January 1, 2017, for those schools, cities and counties who have an “Integrated” HRA Plan. Integrated HRAs are Health Reimbursement Arrangements tied to health...

Don't Make This Error if Early Retirees Stay on Your Health Plan

Many schools, cities and counties offer early retirees the option to continue on their group health insurance plan. They may also consider using a High Deductible Health Plan with an HSA (Health...