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Mployer Advisor independently rates each insurance advisor using a proprietary score called an “M Score”.
An advisor cannot pay to influence their score.

Shirazi Benefits - Denver, CO

Shirazi Benefits - Denver, CO

Denver, Colorado

Shirazi Benefits offers medical insurance, voluntary benefits, and other services for all sizes of employers. Providing comprehensive medical benefits to employees and voluntary benefits can help to r...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance, Retirement

101-250, 2,501+, 1,001-2,500, 251-1,000, 51-100, 11-50, 1-10

Shirazi Benefits - Denver, CO

Shirazi Benefits - Denver, CO

Denver, Colorado

mScore

Score

Proprietary rating

5/5

Shirazi Benefits offers medical insurance, voluntary benefits, and other services for all sizes of employers. Providing ...

Johnson & Dugan Insurance Services Corporation

Johnson & Dugan Insurance Services Corporation

Redwood City, California

For 30 years, Johnson & Dugan's highest priority has been to make it easy for any company to expertly plan and administer employee benefits. Johnson & Dugan prides itself on consistently delivering an...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

11-50, 51-100, 101-250, 251-1,000, 1-10

Johnson & Dugan Insurance Services Corporation

Johnson & Dugan Insurance Services Corporation

Redwood City, California

mScore

Score

Proprietary rating

5/5

For 30 years, Johnson & Dugan's highest priority has been to make it easy for any company to expertly plan and administe...

PAFILES, LLC - Biloxi, MS

PAFILES, LLC - Biloxi, MS

Biloxi, Mississippi

Pam Files has been in the insurance and employee benefit consulting business for over 40 years and is deeply dedicated to assisting her clients find the best fit for their insurance and benefits offer...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

1,001-2,500, 101-250, 51-100, 251-1,000, 2,501+

PAFILES, LLC - Biloxi, MS

PAFILES, LLC - Biloxi, MS

Biloxi, Mississippi

mScore

Score

Proprietary rating

5/5

Pam Files has been in the insurance and employee benefit consulting business for over 40 years and is deeply dedicated t...

Strategic Services Group - Rochester Hills, MI

Strategic Services Group - Rochester Hills, MI

Rochester Hills, Michigan

SSG is an insurance consulting and brokerage firm specializing in the area of employee benefits. With our best-in-class services, comprehensive resources and established team of industry experts, we a...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

1,001-2,500, 51-100, 101-250, 251-1,000

Strategic Services Group - Rochester Hills, MI

Strategic Services Group - Rochester Hills, MI

Rochester Hills, Michigan

mScore

Score

Proprietary rating

5/5

SSG is an insurance consulting and brokerage firm specializing in the area of employee benefits. With our best-in-class ...

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CanopyNation - Memphis, TN

CanopyNation - Memphis, TN

Memphis, Tennessee

With over two decades of experience, CanopyNation creates, administers and services custom benefits packages to give you and your people the peace of mind that you’re getting the best possible coverag...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

51-100, 101-250, 251-1,000, 1,001-2,500, 11-50

CanopyNation - Memphis, TN

CanopyNation - Memphis, TN

Memphis, Tennessee

mScore

Score

Proprietary rating

5/5

With over two decades of experience, CanopyNation creates, administers and services custom benefits packages to give you...

Vita

Vita

Seattle, Washington

Vita has enjoyed over 40 years in business, partnering with employers to deliver cutting-edge benefits solutions to their people. We consult our employer partners to achieve a positive return on inves...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance, Retirement

251-1,000, 2,501+, 101-250, 1,001-2,500, 51-100, 11-50

Vita

Vita

Seattle, Washington

mScore

Score

Proprietary rating

5/5

Vita has enjoyed over 40 years in business, partnering with employers to deliver cutting-edge benefits solutions to thei...

The Clemons Company

The Clemons Company

Panama City, Florida

Since 1957 Gerry Clemons and Clemons Company have been providing life insurance and employee benefits throughout Northwest Florida. We are proud of the depth of experience and standard of excellence t...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

51-100, 101-250, 251-1,000, 1,001-2,500, 11-50

The Clemons Company

The Clemons Company

Panama City, Florida

mScore

Score

Proprietary rating

5/5

Since 1957 Gerry Clemons and Clemons Company have been providing life insurance and employee benefits throughout Northwe...

Hartin Dynamics - Tampa, FL

Hartin Dynamics - Tampa, FL

Safety Harbor, Florida

Hartin Dynamics helps employers take care of their most important asset, their people. We help simplify the Employee Benefits selection process and help your employees understand what they have. We g...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

101-250, 51-100, 11-50, 1,001-2,500, 251-1,000

Hartin Dynamics - Tampa, FL

Hartin Dynamics - Tampa, FL

Safety Harbor, Florida

mScore

Score

Proprietary rating

5/5

Hartin Dynamics helps employers take care of their most important asset, their people. We help simplify the Employee Ben...

Gallagher Insurance, Risk Management & Consulting - Pittsburgh, PA

Gallagher Insurance, Risk Management & Consulting - Pittsburgh, PA

Pittsburgh, Pennsylvania

Gallagher provides employee benefits and group health insurance to all sizes of employers in the Pittsburgh, PA Metro Area. Providing comprehensive medical benefits to employees and voluntary benefits...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance, Liability, Retirement

51-100, 101-250, 251-1,000, 11-50, 2,501+, 1,001-2,500

Gallagher Insurance, Risk Management & Consulting - Pittsburgh, PA

Gallagher Insurance, Risk Management & Consulting - Pittsburgh, PA

Pittsburgh, Pennsylvania

mScore

Score

Proprietary rating

5/5

Gallagher provides employee benefits and group health insurance to all sizes of employers in the Pittsburgh, PA Metro Ar...

Hilb Group Southeast

Hilb Group Southeast

Irmo, South Carolina

Founded in 2009, Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation. we are committed to your future succe...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Property Casualty, Workers Compensation, Voluntary Insurance, Liability, Retirement

1,001-2,500, 11-50, 51-100, 101-250, 251-1,000, 2,501+

Hilb Group Southeast

Hilb Group Southeast

Irmo, South Carolina

mScore

Score

Proprietary rating

5/5

Founded in 2009, Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to busin...

OneDigital - Tampa, FL

OneDigital - Tampa, FL

Tampa, Florida

OneDigital (formerly GCD Insurance Consultants) is an independent, owner-operated agency with over 50 years of experience in the areas of Employee Benefits, Human Resources and Payroll Administration....

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance

11-50, 101-250, 251-1,000, 51-100

OneDigital - Tampa, FL

OneDigital - Tampa, FL

Tampa, Florida

mScore

Score

Proprietary rating

5/5

OneDigital (formerly GCD Insurance Consultants) is an independent, owner-operated agency with over 50 years of experienc...

Brio Benefit Consulting - Los Angeles, CA

Brio Benefit Consulting - Los Angeles, CA

Los Angeles, California

At Brio we know that your employees are your company’s most valuable asset - now more than ever! When you partner with Brio you can be comfortable that you’re at the cutting edge of healthcare benefit...

mScore

Score

5/5

Proprietary rating

Service focus:

Employer size expertise:


Health, Dental, Vision, Life, Disability, Voluntary Insurance, Retirement

1,001-2,500, 1-10, 11-50, 51-100, 101-250, 251-1,000, 2,501+

Brio Benefit Consulting - Los Angeles, CA

Brio Benefit Consulting - Los Angeles, CA

Los Angeles, California

mScore

Score

Proprietary rating

5/5

At Brio we know that your employees are your company’s most valuable asset - now more than ever! When you partner with B...

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Insider Information For Employers

CMS Extends Vaccination Deadline for Healthcare Workers in 25 States

In Employment Situation

Editor’s Note: News and updates surrounding COVID-19 vaccination mandates continue to evolve rapidly. Check back for news on the Mployer Advisor blog as developments unfold. For state-specific guidance, please refer to OSHA’s site here.   On January 13, 2022, the U.S. Supreme Court upheld the Center for Medicare and Medicaid Services (CMS) rule, which required the vaccination of all healthcare workers at CMS-covered facilities. The CMS mandate is expected to cover more than 10.4 million healthcare workers across 76,000 facilities nationwide.  The CMS ruling came on the same day as the court ruled to block the Biden administration’s Occupational Safety and Health Administration (OSHA) vaccine mandate that targeted large employers. Previously, the OSHA mandate required that businesses with 100 or more employees implement a vaccination requirement for workers or require a weekly testing alternative.  Because the CMS rule was paused during litigation, the federal government extended the COVID-19 vaccination deadline in 24 states. According to guidance from CMS, workers now have until February 14 to receive their first COVID-19 dose and must be completely vaccinated by March 15.   These revised deadlines apply to the following states:  * Alabama  * Alaska  * Arizona  * Arkansas  * Georgia  * Idaho  * Indiana  * Iowa  * Kansas  * Kentucky  * Louisiana  * Mississippi  * Missouri  * Montana  * Nebraska  * New Hampshire  * North Dakota  * Ohio  * Oklahoma  * South Carolina  * South Dakota  * Utah  * West Virginia  * Wyoming   Texas officials challenged the CMS directive, which a federal district court dismissed on January 20. As such, Texas healthcare workers must now receive their first vaccine dose by February 22 and be fully vaccinated by March 21.   Compliance timelines were not affected for healthcare providers in the District of Columbia, U.S. territories, or the remaining 25 states that did not challenge the mandate.   Compliance Standards and Enforcement  According to a recent post from the Society for Human Resources Management (SHRM), the CMS vaccination requirement applies to all healthcare workers at CMS-covered facilities, even if those employees do not have contact with patients or clinical responsibilities.   What’s more, staff members who work remotely but still have some contact with other staff members–such as in-person staff meetings or at worksites–must also comply. Only staff who perform all their duties remotely are exempt from the vaccination mandate.   According to guidance from CMS, “Facility staff vaccination rates under 100 percent constitute noncompliance under the rule.” However, CMS clarified noting that “Noncompliance does not necessarily lead to termination [from the programs], and facilities will generally be given opportunities to return to compliance.”  The Centers for Disease Control and Prevention (CDC) defines a fully vaccinated person as an individual who has two doses of the Pfizer or Moderna vaccine, or one dose of the Johnson & Johnson vaccine. The CDC recommends that eligible individuals receive a booster shot in addition to their primary vaccine, however a booster is not required under the CMS rule.   The CMS mandate also requires employers to track employees’ vaccination status, including creating a policy to record religious or medical exemptions and employee accommodations.   Unsure of how to navigate the ongoing uncertainty caused by the evolving COVID-19 pandemic? Register now for Mployer Advisor’s upcoming webinar “COVID-19 Compliance in the Workplace: Strategies for Success in Uncertain Times.”   Looking for more exclusive content? Head over to the Mployer Advisor blog, or click here to read four industry leaders’ top employee benefits predictions for 2022.  

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Industry Leaders Predict 2022's Top Employee Benefits Trends

In Employee Benefits, Voluntary Benefits

In 2021, employers across the nation were forced to rethink best-in-class strategies on how to recruit and retain top talent.   Between the evolving challenges left in the wake of the COVID-19 pandemic, including the gaps left in the workforce from the Great Resignation, employers are rethinking benefits plan designs and how to diversify offerings. What's more, the unemployment rate for January hit 3.9%, a new low and the first time it's dipped below pre-pandemic levels since February 2020.   If increasing or filling gaps in your workforce is a top goal this year, remember that it's vital to assess employee needs and wants continuously. So, what employee benefits will rank highest in importance for employees in 2022?   Mployer Advisor recently spoke with four renowned employee benefits leaders and asked for their top employee benefits predictions for 2022. Below are their responses:   DEREK WINN: BENEFITS CONSULTANT, BUSINESS BENEFITS GROUP  Top predictions: Lifestyle accounts "We anticipate employers will develop their own unique, innovative solutions in 2022; this will enhance flexibility, empathy, and added compensation. One example includes lifestyle accounts, where employers have the advantage of streamlining various benefits together, such as wellness incentives; catered meals or snacks; home office equipment; cell phone and internet reimbursements; and more into an easy-to-use platform for reimbursement."   AARON EATON: DIRECTOR OF SALES, EMPLOYEE HEALTH AND BENEFITS, MARSH MCLENNAN AGENCY Top predictions: Hospital indemnity and student loan benefits "COVID–and its ever-changing viral composure– illustrated to the masses how costly hospital stays could be, especially if admitted to the ICU. Whereas worksite products, such as hospital indemnity, were traditionally looked over by mainstream buyers, its true benefit and how it can help has been forced into the spotlight. We have entered into an era where the increase in hospital stays makes the fear of hitting out-of-pocket maximums a foregone conclusion, if and when admitted. In 2022, we will likely see a highly educated buyer who understands the risk and reward of a product like a hospital indemnity to protect their pocketbooks. Two years ago, student loan benefits were the fastest-growing employee benefit, and I predict that we will see a resurgence of this trend as employers are desperate to retain staff and recruit new blood. The cultural effect that a student loan benefits program has can be profound, especially from a multigenerational perspective. College graduates, mid-career professionals, experienced employees to pre-retirees, each can take advantage of this benefit if set up correctly. When an organization offers to help an employee pay down their debt–whether that be their own or their children's or grandchildren's–you then have a benefit that strengthens that employee's loyalty and feeling of belonging."    HEATHER GARBERS: VP VOLUNTARY BENEFITS, HUB INTERNATIONAL Top predictions: Permanent life insurance "Many of our clients have been impacted by the Great Resignation, and voluntary benefits can be a cost-effective way to build a more robust benefits offering. Specific voluntary benefits I expect to trend, include permanent life insurance and critical illness.  Workplace sales of permanent life insurance jumped 75% through Q3 2021 over 2020. Many group term life policies are only effective when the insured is actively at work. This resulted in many employees losing coverage in 2020 and 2021 if they were furloughed or laid off.  Workplace sales also increased 11% as many carriers have an infectious disease benefit that would create a payout for complications from COVID and other cardiovascular or cancer conditions." BRIAN ALEXANDER: DIRECTOR OF CONSULTING, EMPLOYEE BENEFITS, HUB INTERNATIONAL  Top predictions: Total compensation focus "In 2022, with a focus on attracting and retaining talent, employers will review all aspects of their employee offerings. This includes salaries, leave policies, work-from-home policies, benefits offering, and more.   Too often benefit plans have lacked a thoughtfulness, intentionality, and alignment to the organization's objectives and intended audience. As the talent market and budgets tighten, I suspect employers to re-evaluate their benefits offerings and ask these three main questions:  * Whom does this benefit serve, and how does that align with my employee population?  * Does this benefit increase my value to employees?   * Was this benefit designed with ease of understanding and employee value in mind?" With these predictions in mind, what changes–if any–will you implement into your comprehensive employee benefits package in 2022?  Looking for related content? Read our 3 most attractive categories of employee benefits and 5 strategies to retain your company's top talent over on the Mployer Advisor blog.  

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For Employers

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CMS Extends Vaccination Deadline for Healthcare Workers in 25 States

In Employment Situation