29 June 2017 By

One of the most frequently asked questions we receive is under what circumstances can documents be distributed electronically by e-mail, by company intranet, etc.

Department of Labor (DOL) regulations contain a safe harbor under which employee plans may use electronic means to distribute certain documents and other information required under the Employee Retirement Income Security Act of 1974 (ERISA).

The following documents and/or notices may be distributed electronically if certain conditions (described below) are met:

§ Summary Plan Descriptions (SPD);
§ Summaries of Material Modifications (SMM);
§ Summary Annual Reports (SAR);
§ COBRA Notices;
§ Summary of Benefits and Coverage (SBC); and
§ Notice of Health Insurance Marketplace Coverage Options.

 

17 January 2017 By

JGS eliteAgencyFOR THE third year in a row, IBA has searched for the best insurance agencies across the country. Our list encompasses a full range of independent commercial retail agencies, from small operations with a single office to large corporations with a global presence. But what they all have in common is that they are leaders in their communities and the industry in terms of revenue, best practices and community involvement.


To compile the following selection of 50 elite agencies, we analyzed various criteria, including growth and innovation over the last year. These are the agencies that are leading the way for others in the industry, and our feature provides a glimpse into the operations, culture and values that make each agency unique and successful. We hope that the insights shared here will help other agencies reach new heights in their own endeavors.

 

Elite Agencies

 

Headquarters: Holmdel, NJelite Logo
Years in business: 97
Leadership: Vincent Hager, president; Ken Hager, COO

In the last five years, JGS Insurance has grown from a company with 45 employees to employing more than 75 insurance professionals. First founded in 1919 to service clients in the New York City area, JGS now serves all 50 states. Recently, the firm added an employee benefits division to assist clients with navigating the Affordable Care Act.

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