Open enrollment should be a moment of clarity for employees and a structured, manageable process for HR teams. In reality, it often becomes one of the most stressful periods of the year. Tight timelines, complex plan options, and disconnected systems create confusion that affects everyone involved.

For HR teams, brokers, and benefits consultants, the challenge is no longer just managing enrollment. It delivers an experience that improves participation, reduces errors, and protects compliance while meeting rising employee expectations.

The Growing Complexity of Open Enrollment

Why Open Enrollment Continues to Be a Challenge for HR Teams

Open enrollment has become more complex as benefit offerings expand. Employers now manage a broad mix of medical plans, voluntary benefits, savings accounts, and compliance requirements. At the same time, HR teams are expected to deliver a smooth, digital experience with limited resources.

Many organizations still rely on a patchwork of tools to manage enrollment, eligibility, and reporting. This fragmented approach creates unnecessary administrative work and leaves little room for proactive planning. As enrollment windows grow shorter and regulations become more nuanced, even small inefficiencies can quickly escalate into larger issues.

How Confusion Impacts Employees, Employers, and Brokers

When enrollment processes lack clarity, the effects ripple outward. Employees struggle to understand their options, miss deadlines, or make elections without confidence. HR teams absorb the fallout through increased questions, corrections, and manual follow-up. Brokers and consultants are pulled into troubleshooting rather than advising.

Low participation, enrollment errors, and post-deadline changes are not isolated problems. They signal a process that is difficult to navigate and harder to manage at scale.

Where Open Enrollment Breaks Down

Inconsistent Communication, Manual Processes, and Limited Visibility

Most open enrollment issues stem from three core breakdowns.

Communication is often fragmented across emails, PDFs, and portals, leaving employees unsure where to find accurate information. Manual processes, including spreadsheets and duplicate data entry, increase the likelihood of errors and rework. Limited visibility makes it difficult for HR teams and brokers to track progress, identify issues early, or measure participation in real time. Without a centralized system, enrollment becomes reactive. Problems surface after deadlines pass, when corrections are more time-consuming and riskier to resolve.

The Cost of a Disorganized Benefits Enrollment Process

Administrative Strain, Compliance Risk, and Employee Frustration

The operational cost of a disorganized enrollment process extends well beyond open enrollment itself. HR teams spend weeks resolving discrepancies, correcting carrier files, and responding to employee concerns. Brokers and consultants face added pressure to reconcile issues that could have been prevented earlier.

Compliance risks also increase. Inaccurate elections, delayed reporting, and incomplete documentation expose organizations to regulatory scrutiny. At the same time, employees lose confidence in the benefits process, which can impact satisfaction and long-term engagement. Over time, these challenges compound. What begins as seasonal stress becomes a persistent administrative burden.

Open Enrollment Best Practices That Reduce Confusion

Centralizing Communication and Simplifying the Enrollment Experience

Clear, centralized communication is the foundation of successful open enrollment. Employees need a single source of truth for plan details, deadlines, and next steps. When information is consistent and easy to access, employees are more likely to engage and complete enrollment accurately.

Simplifying the enrollment experience is equally important. Guided workflows, intuitive interfaces, and mobile-friendly access help employees move through the process with confidence. When enrollment feels manageable, participation naturally improves.

Standardizing the Benefits Administration Process

Standardization reduces variability and error. Establishing consistent workflows for enrollment, life events, and eligibility updates allows HR teams to manage benefits more efficiently. Built-in rules and validation checks help catch issues before they create downstream problems. A standardized benefits administration process also makes it easier to support multiple employer groups and adapt to year-over-year changes.

Driving Participation Through Better Enrollment Design

Using Technology to Improve Engagement and Reduce Errors

Enrollment design plays a significant role in participation outcomes. Technology that supports reminders, progress tracking, and clear decision-making tools helps employees stay engaged throughout the enrollment window.

From an administrative perspective, real-time data and reporting enable HR teams and brokers to identify gaps early. Addressing issues before enrollment closes reduces corrections, improves accuracy, and lowers overall administrative workload.

How Modern Benefits Administration Supports Successful Open Enrollment

Centralized Platforms, Automation, and Real-Time Visibility

Modern benefits administration platforms replace disconnected systems with a single, centralized environment. Enrollment, eligibility, compliance, and reporting work together rather than in isolation. Automation reduces manual effort and improves consistency across workflows. Real-time visibility into participation, election status, and data accuracy enables faster decision-making and better support for employees.

This approach transforms open enrollment from a high-risk event into a repeatable, manageable process.

How PBS Helps Reduce Enrollment Confusion and Errors

Supporting Employers, Brokers, and Consultants Year-Round

Progressive Benefit Solutions supports open enrollment by combining modern benefits administration technology with experienced service. PBS helps organizations centralize enrollment processes, standardize workflows, and maintain visibility across employer groups. Rather than focusing only on enrollment season, PBS supports benefits administration year-round. This continuity allows HR teams, brokers, and consultants to operate with greater confidence and consistency.

Building a Better Enrollment Experience for Everyone Involved

A successful open enrollment experience benefits everyone. Employees gain clarity and confidence. HR teams reduce administrative strain and compliance risk. Brokers and consultants spend less time troubleshooting and more time advising.

PBS helps organizations achieve these outcomes by simplifying benefits administration and supporting scalable, reliable enrollment processes. With the proper foundation in place, open enrollment becomes less about managing chaos and more about delivering value.

HR teams are under pressure to manage complex benefits programs with limited resources. Many still rely on fragmented tools or manual processes, which creates compliance exposure, errors in carrier files, and a poor employee experience. 

The risk is real: a platform may look sleek in a demo but fail in real-world enrollment cycles, leaving HR to clean up the mess. This guide offers HR professionals a clear framework to evaluate benefits administration software and shows how PBS helps employers simplify and strengthen their benefits strategy.

The Problem HR Is Trying to Solve

Managing employee benefits is rarely straightforward. HR teams often find themselves juggling multiple systems, manual processes, and stringent compliance requirements, all while striving to deliver a seamless employee experience. These inefficiencies don’t just slow down day-to-day operations. They create compliance risk, frustrate employees, and make it difficult for leadership to see the actual return on investment. Without the right benefits administration system, HR is left patching gaps instead of focusing on strategy. 

• Operational pain: Manual life event processing, constant rekeying across systems, and frequent carrier file delays frustrate HR and employees. 
• Compliance exposure: ACA reporting, COBRA notices, Section 125 requirements, and missing audit trails leave employers vulnerable to penalties. 
• Employee experience: Confusing portals with low accessibility standards result in poor adoption and a high ticket volume. 
• Data & ROI: Weak reporting, limited cost transparency, and dashboards that fail to communicate finance insights make it challenging to demonstrate value. 

These challenges highlight why HR leaders need a modern platform built for today’s benefits environment. PBS helps employers overcome these pain points by providing technology and support that reduce administrative burden, strengthen compliance, and create a better experience for employees.

How to Evaluate Benefits Administration Software

Selecting the right benefits administration platform is about focusing on the essentials. HR leaders need a framework that separates must-have features from flashy demos that may not perform in practice. This checklist highlights the most important areas to evaluate when comparing benefits platforms.

Core Features That Matter

• Easy open enrollment setup and life event processing
• Employee self-service that works on mobile 
• Support for multiple plan types (medical, dental, vision, ancillary, and worksite benefits, plus FSA, HSA, HRA, DCA, LSA, and commuter benefits)
• Built-in compliance workflows (ACA, COBRA, Section 125 / POP)
• Employee communication tools (benefit reminders, document library, messaging)

Integrations That Prevent Rework

• Seamless sync with payroll and HRIS
• Automated carrier file feeds to reduce errors
• Single Sign-On (SSO) options with supported payroll/HRIS vendors, plus secure identity management
• Real-time data syncs that minimize dual entry

Compliance and Security Basics

• COBRA administration with proper notice tracking 
• ACA reporting support and clear audit trails 
• Data protection with encryption and role-based access

Pricing and Contracts

• Transparent pricing models (PEPM, modular add-ons, implementation fees)
• Awareness of hidden costs (custom feeds, support tiers)
• Renewal terms and data portability

This checklist gives HR leaders a clear framework for evaluating benefits administration software, but the next step is finding a partner who can deliver on these requirements. PBS offers a proven platform that simplifies administration, supports compliance, and creates a better experience for employees and employers alike. 

If your team is exploring benefits platforms, now is the time to connect with PBS and see how we can support your organization. 

What Success Looks Like With the Right Platform 

The impact of choosing the right system shows up across HR operations, employee satisfaction, and compliance. 

• Operational improvements: Faster life event processing, shorter open enrollment cycles, and fewer help desk tickets. 
• Financial results: Cleaner billing, fewer carrier errors, and measurable time savings for HR staff. 
• Employee outcomes: Higher portal adoption, less confusion, and stronger satisfaction with benefits. 
• Governance: Stronger audit trails, timely filings, and reduced compliance risk. 

With PBS, employers achieve these outcomes because our platform combines technology with excellent support. Instead of navigating benefits workflows alone, HR teams gain a trusted partner that helps them streamline administration and protect compliance. 

Why PBS Fits the Checklist for Modern Benefits Platforms

PBS offers a unified benefits administration solution designed for employers who want efficiency without compromising compliance. Our system includes COBRA, FSA, HSA, HRA, and POP support, all integrated into one platform. We connect with leading HRIS and payroll systems, while carrier feeds are monitored to reduce costly errors. Compliance requirements for ACA, COBRA, and Section 125 are built in, giving HR leaders peace of mind. 

What makes PBS different is our combination of enterprise-level technology with boutique-level service. Employers get the power of automation and integrations without losing the hands-on support needed to succeed long after go-live.

See how PBS simplifies benefits administration. Request a demo today and explore how we can support your organization. 

Struggling to keep up with HR demands? You’re not alone.

HR professionals wear a lot of hats. Between tracking benefits, managing compliance deadlines, and dealing with manual systems that don’t talk to each other, it’s no wonder HR teams often feel stretched thin.

HR isn’t just about paperwork anymore. Today’s employees expect a seamless, digital-first experience when it comes to their benefits and interactions with HR. Meanwhile, leadership wants to see efficiency and results. But outdated processes make enhancing HR workflows a daily battle.

That’s where Progressive Benefit Solutions (PBS) comes in.

PBS simplifies and streamlines HR processes so you can finally move from reactive to proactive. Whether you’re swamped with open enrollment chaos or spending hours double-checking compliance, PBS offers a smoother, smarter way forward.

The Hidden Cost of Inefficient HR Operations

Manual work isn’t just annoying, it’s expensive.

Poorly integrated systems and outdated methods drain your team’s time and increase the risk of errors. The result? Frustrated employees, missed compliance deadlines, and long hours spent fixing preventable issues.

Here’s where many HR teams lose productivity:

• Benefits enrollment takes way too long. Data entry, back-and-forth emails, and paperwork bog down the process.
  
• Compliance becomes a moving target. Federal and state regulations are always shifting. Without the right tools, staying on top of them eats up your time.
  
• Open enrollment = burnout. HR admins scramble to get employees enrolled, answer a flood of questions, and fix inevitable mistakes.
  
• Disconnected systems cause chaos. Errors in one system don’t sync with another, and that means duplicate work—or worse, bad data.
  

All of this directly impacts employee benefits management and the overall employee experience. People expect tech to work, and when it doesn’t? Morale drops, and so does trust in HR.

Now more than ever, HR leaders need support for streamlining HR processes in a way that’s both smart and sustainable.

How PBS Transforms HR Workflows

Now, let’s talk solutions.

Progressive Benefit Solutions delivers modern tools that remove friction from day-to-day HR work. At its core, PBS offers an intuitive platform that brings benefits, compliance, reporting, and employee data into one streamlined system.

By automating benefits administration, PBS helps HR teams reduce manual tasks and free up time to focus on what matters. No more bouncing between spreadsheets, third-party portals, and email threads.

Here’s what PBS delivers:

• Integrated platform for enrollment, life events, COBRA, ACA reporting, and more
  
• Automated workflows that handle the heavy lifting—from employee notifications to compliance alerts
  
• Real-time access for HR and employees with secure login and support
  
• Data accuracy and transparency across every step of the process
  

These HR technology improvements are designed to make your life easier and your team more productive. Period.

Automating Benefits Administration for Real-Time Results

Want to stop chasing paperwork? PBS helps you do exactly that.

By digitizing enrollment and compliance workflows, PBS eliminates the risk of human error and dramatically reduces turnaround time.

Use cases include:

• Open enrollment: employees self-enroll through a guided process
  
• Life events: trigger automatic notifications and updates
  
• Compliance: automated documentation and reporting tools ensure nothing slips through the cracks
  

And the best part? You’ll see fewer emails, fewer mistakes, and way less stress.

Built-in Compliance and Reporting Support

Keeping up with changing laws and regulations is a full-time job, and your team has other things to do.

With PBS, compliance tracking is built right in. You get:

• Automated reminders for upcoming compliance requirements
  
• Secure document storage and audit tracking
  
• Instant reporting tools that reduce manual follow-up
  

No more wondering if you’re up to code. PBS makes sure you are.

Empowering HR Teams Through Innovation

PBS is a strategic ally for HR teams trying to do more with less.

When you stop spending your time on administrative headaches, you can focus on big-picture initiatives like employee engagement, retention strategies, and DEI.

Here’s what sets PBS apart:

• Time savings: Automate routine tasks and spend time on what really matters
  
• Scalability: Whether you’re 50 employees or 5,000, PBS grows with you
  
• Support: Access to a knowledgeable team that helps you integrate seamlessly with your payroll and HRIS systems
  

If you’ve been looking to make meaningful HR technology improvements, this is the moment. PBS gives you the tools and time to lead, not just manage.

Why PBS Is the Right Partner for Your HR Team

PBS has been helping HR teams succeed for 25+ years, with a track record of real results across various industries and company sizes.

More reasons to feel confident:

• Tailored solutions for your company’s unique structure and goals
  
• Fast, smooth implementation with onboarding support
  
• Ongoing training and a help desk to keep your system running like a well-oiled machine
  

With so many vendors offering half-baked solutions, it’s refreshing to find a partner that delivers on promises and sticks around after go-live.

More Than Just Benefits Administration: PBS Services at a Glance

We offer a full suite of services designed to simplify your HR operations and support your team with reliable, compliant, and cost-effective solutions.

Here’s what else we help you manage:

• Health Savings Accounts (HSA) – Tax-advantaged savings for employees’ healthcare expenses.
  
• Flexible Spending Accounts (FSA) – Let employees use pre-tax dollars for out-of-pocket medical costs.
  
• Dependent Care Assistance Plans (DCAP) – Support working parents with tax-free childcare reimbursements.
  
• Premium Only Plans (POP) – Reduce payroll taxes by allowing pre-tax premium contributions.
  
• Qualified Transportation Accounts (QTA) – Pre-tax commuter benefits for mass transit and van-pooling.
  
• Qualified Parking Accounts (QPA) – Parking benefits that save both employees and employers on taxes.
  
• Health Reimbursement Accounts (HRA) – Employer-funded plans to reimburse healthcare expenses tax-free.
  
• Nondiscrimination Testing – Ensure compliance with FSA, POP, and 105(h) testing requirements.
  
• Wrap Plan Document Services – Simplify ERISA compliance with consolidated plan documents.
  
• COBRA Administration Services – Let PBS handle the regulatory complexities of COBRA so you don’t have to.
  

From tax savings to compliance to day-to-day convenience, PBS offers the tools you need to run a smoother, smarter HR department—without hiring more staff or adding complexity.

Ready to Simplify and Strengthen Your HR Operations?

If you’re tired of chasing paper trails, struggling with outdated systems, or dreading another open enrollment season, it’s time for a better way.

Progressive Benefit Solutions is built to support enhancing HR workflows and helping teams like yours thrive.

Book a demo or talk with a PBS advisor today to start streamlining your HR processes with smart tech that works for your people.

Frequently Asked PBS Benefits Administration Questions

Q: What makes PBS different from other benefits administration providers?
A: Unlike many vendors, PBS offers a fully integrated platform backed by 25+ years of experience and real human support. No one-size-fits-all solutions—just smart, scalable tools that actually work.

Q: Can PBS integrate with my current HR system?
A: Yes! PBS is designed to plug into your existing payroll and HRIS systems, making setup and ongoing data sync smooth and efficient.

Q: How quickly can I get started?
A: Implementation timelines vary based on your needs, but many organizations are up and running in just a few weeks, with support every step of the way.

Salaries and wages account for most employees’ compensation, but they aren’t the only compensation employees receive. For most employees, benefit offerings account for an increasing portion of total compensation.

Previously, employee benefits primarily consisted of health insurance and a retirement plan. Health insurance has remained a central employee benefit, although there are now more options for employees who don’t have access to an employer-provided plan. With the Revenue Act of 1978, the primary retirement plan switched from pensions to 401(k)s. Employers now also need to consider how healthcare costs impact the selection and management of health insurance plans to provide comprehensive coverage while managing expenses.

What wasn’t nearly as common until recently were ancillary benefits, ranging from vision insurance to parking reimbursements. While some employees might’ve had access to these, ancillary benefits weren’t nearly as available or considered as much when evaluating compensation. To attract and keep top talent today, employers need to understand the role that benefits have in employee compensation and well-being. That includes understanding why benefits are important, knowing what benefits employees value, how to administer meaningful ones efficiently, and generally being aware of current trends in employee benefits.

Major Trends Influencing Employee Benefits Today

The broad trends in employee benefits have been a move toward greater diversity. Employers have expanded the variety of benefits they offer in recent years and will almost certainly continue to provide more varied benefits in coming years.

More Varied Benefits Available to Employees

The ancillary benefits that employees may have access to are diverse.

Health insurance, pet insurance, retirement plans, and paid time off remain central, but there are many others, too. Even time off — which can now include unlimited vacation or flexible work options— shows how the top employee benefits are sometimes more varied.

Newer benefits add even more variety to what’s offered. For example, a growing number of employers are offering:

• Insurance Coverage (dental, vision, short-term disability, long-term disability, life)
• Wellness Programs (discounted gym memberships, activity reward programs, weight loss programs, wellness challenges focused on improving physical health)
• Mental Health Support (mental health services coverage, in-house counseling, employee assistance programs)
• Educational Assistance (tuition reimbursement, student loan assistance, professional development stipends)
• Commuter Benefits (pre-tax mass transit and parking programs, ride-share allowances, parking assistance, EV chargers)

Ready to make a change? Learn more about our employee benefits administration and take the first step towards a happier, healthier team.

Wellness and Mental Health is Valued

Following the culture, many employers show that they value employees’ well-being through wellness and mental health benefits. These, in particular, deserve to be underscored among the many different ones listed above.

Wellness programs mainly focus on being active. The most obvious are activity reward programs, where employees use wearable technology to track their activity. For example, they might be rewarded for taking so many steps or exercising for so long. Others include discounted gym memberships, on-site exercise equipment, and reduced fitness classes.

Mental health support can come in the form of direct mental health services or indirectly through other methods. A growing number of employers offer health plans that include coverage for mental health services, and some larger employers offer in-house counseling on a short-term basis. Employee assistance programs could help with everything from counseling and therapy to weight loss and quitting smoking.

Which of these are offered depends on employer size and what’s chosen by an employer. In many cases, smaller employers can offer these benefits by working with an employee benefits administrator or selecting a robust health insurance plan.

Ready to elevate your employee benefits offerings? Learn more about our services and discover how we can help tailor a plan that meets your unique needs.

Adjusting Benefits for Remote Workers

Since the COVID-19 pandemic, a sudden rise in remote workers has necessitated rethinking how some benefits are offered.

One of the biggest changes is more flexible work arrangements regarding when employees work. Being able to adjust what hours and/or days they work lets employees manage work-life balance while also being home or while traveling to take advantage of opportunities that working remotely affords. Time off plans are sometimes adjusted to better accommodate working remotely while enhancing the employee experience.

Many other changes seek to extend benefits to employees who aren’t regularly (or perhaps ever) in the office. For insurance:

• Gym membership reimbursements are taking the place of on-site exercise equipment or reduced local fitness glasses.
• Activity rewards increasingly use wearable technology so that employees in different areas can participate together.
• Mental health support usually includes telehealth services, whether provided via in-house counselors or an external provider.
• Professional development can include companywide webinars, reimbursement for online courses, and book stipends.
• Commuter benefits might be optional, allowing employees to participate only if they benefit them.

More Personalized Benefits Options

With the increased diversity in benefits and other changes, employers are making it easier for employees to personalize their benefits. Many are optional perks, so employees can choose what they want. Computer benefits are just one example.

If many optional benefits are offered, human resources staff should be well-versed in how each benefit could help different employees.

Technological Advances in Benefits Administration

Part of the changes in what benefits are available is how the benefits are provided. Wearable tech and remote offerings are tangible ways technology influences access to benefits. It’s also being used behind the scenes to improve benefits programs.

Online platforms make accessing benefits easier for employees. They can review their benefits selections, make allowed changes, learn how to use benefits and file reimbursement claims anytime and from home. This also saves HR reps time, as they have fewer questions and less paperwork.

Artificial intelligence (AI) and machine learning are used to personalize employee benefits. These technologies can analyze large datasets to identify patterns and preferences, which can then be used to tailor benefits programs to individual employees. Aggregate data can also be analyzed to see what benefits different types of employees value.

Future Predictions for Employee Benefits

In the next few years, the same broad employee benefits trends will likely continue. Employees will want:

• Varied benefits options they can choose from
• Mental health and remote work benefits programs
• Online access to benefits information 24/7

Adapting to these trends requires rethinking traditional employee benefits. Even something as basic as health insurance should be reviewed so that it can include mental health and telehealth services. With some creativity, ancillary benefits like flex time, activity reward programs, and parking assistance can be offered with minimal costs. These can make a big difference to employees, even if they’re comparatively minor perks.

It’s also essential to offer benefits information through an online portal. Larger companies might do this via an in-house web development team, but smaller employers will likely want to partner with a third-party administrator (TPA) like Progressive Benefit Solutions. Reach out today to explore how you can streamline benefits and administration and enhance employee satisfaction.

Employee Benefits Challenges and Opportunities for Small Businesses

Each employer will face its own specific challenges and opportunities when reviewing employee benefits. However, there are two broad ones that many small businesses ought to consider.

Small employers with remote workers may hire people in different states and countries. Few small businesses have the resources to navigate benefits requirements in various jurisdictions. To address this challenge, small employers can work with a TPA that offers national or global benefits assistance.

At the same time, small employers can attract high-quality talent by offering meaningful benefits with minimal expenses. Many employees value a flexible work schedule and a remote work option, yet they don’t have to cost a small business much. Another strategy might be to partner with other small businesses, offering each business’s employees discounts or other perks.

Step Into the Future of Employee Benefits

Chances are your business isn’t offering all of these employee benefits. There are likely some places where you could adjust and improve your employee benefits offerings, keeping in line with the employee benefits trends that are shaping today’s employment landscape.

Make those changes, and your employees — current and new — will value the changes. You may find that you’re attracting and keeping better talent. Don’t wait to provide the benefits your employees deserve. Contact Progressive Benefit Solutions and unlock the potential of a satisfied, productive workforce.

Navigating the employee benefits plan enrollment process can be challenging, but with the right strategies, you can streamline it significantly. Open enrollment is a crucial time for employee benefits management, impacting both organizational health and employee satisfaction. Efficient benefits administration during this period not only boosts morale but also ensures compliance and accuracy in benefit selections.

Open enrollment usually happens once a year, allowing eligible employees to review and update their health plans and benefits packages. This period is essential for employers to ensure their benefits offerings are competitive and meet their workforce’s diverse needs. For employees, it’s an opportunity to assess their current benefits and make adjustments that better fit their personal and family needs, especially if they’ve experienced a life event. But how long does open enrollment last? Typically, it spans a few weeks, but the exact duration can vary by organization.

Planning and Preparation for Open Enrollment

Successful open enrollment starts with meticulous planning and preparation. Here’s an open enrollment checklist to keep you on track:

• Set Key Timelines and Milestones: Map out the entire enrollment for benefits period. Identify important dates such as the start and end of enrollment, deadlines for form submissions, and any scheduled informational sessions. Establishing these timelines early helps ensure everyone is on the same page.
• Choose the Right Benefits Administration Software: Invest in software that offers user-friendly interfaces and robust features to manage the process seamlessly. Platforms like PBS Benefits Administration can be invaluable. Look for features like automated reminders, customizable reports, and easy integration with your HR systems.
• Prepare Educational Materials: Create materials explaining the benefits options, such as FAQs, brochures, videos, and webinars. The goal is to make the information accessible and understandable for all employees.
• Conduct Training Sessions for HR Staff: Ensure your HR team is well-prepared to assist employees with their questions and concerns about life insurance and other benefits. Conduct training sessions to familiarize them with the benefits options and the enrollment process.
• Establish a Support System: Set up a dedicated helpline or email support system to address any issues employees might encounter during the enrollment period. This ensures that employees receive timely assistance, reducing confusion and frustration.

Communicating Effectively With Employees

Effective communication ensures employees are well-informed and engaged during open enrollment. Consider these best practices:

• Engage Employees Early: Communicate about special enrollment periods well in advance. Use clear, concise language and provide all necessary details. This allows employees ample time to review their options and ask questions.
• Utilize Multiple Channels: Reach out through various mediums such as emails, webinars, and informational meetings to ensure everyone gets the information. Different employees prefer different communication methods, so using a variety helps reach everyone effectively.
• Provide Clear Instructions: Use visual aids like infographics or step-by-step open enrollment guides to help employees understand the process. Break down complex information into easily digestible parts, and consider holding Q&A sessions to address any lingering questions or concerns about coverage levels. 
• Encourage Feedback: Create ways for employees to provide feedback on the benefits offerings and the enrollment process itself. This feedback can be invaluable in improving future enrollments.

By implementing these communication best practices, you’ll keep employees well-informed and engaged throughout the open enrollment process. Ensuring clarity and providing multiple channels for information and feedback will lead to a smoother and more effective enrollment period.

Evaluating and Choosing Benefits Packages

Selecting the right benefit plan involves understanding both organizational and employee needs:

• Set Clear Criteria: Define what makes a benefits package valuable. Consider factors such as cost, coverage levels, and employee preferences. Ensure the benefits align with the company’s values and support employee well-being.
• Understand Diverse Needs: Recognize that employees have different needs based on their demographics, life stages, and health conditions. Offering a variety of options, including flexible spending accounts, can cater to this diversity. For instance, younger employees might prioritize student loan repayment options, while older employees might prefer robust health coverage and retirement benefits, including life insurance coverage. 
• Benchmark Against Industry Standards: Compare your benefits packages to those offered by other companies in your industry. This can help ensure your offerings are competitive and attractive to current and potential employees.

You can create a well-rounded and competitive benefits plan by carefully evaluating and choosing benefits packages that meet organizational and diverse employee needs. Aligning your offerings with industry standards and employee preferences will support overall well-being and enhance employee satisfaction.

Leveraging Technology in Open Enrollment

Technology can vastly improve the efficiency of the benefit enrollment process. Enrollment platforms make it easy for employees to select and enroll in benefits by providing personalized benefit portals and mobile apps for better accessibility. Employees can log in, compare options, and make selections from anywhere, adding a highly appreciated level of convenience. Moreover, the integration of flexible spending options into digital platforms allows employees to easily manage and adjust their contributions to flexible spending accounts (FSAs), enhancing their control over personal healthcare finances.

Automation is another key tool that helps save time and reduce errors by automating repetitive tasks such as sending reminders and collecting forms. Automation also assists in tracking who has completed their enrollment and who needs additional prompting. Additionally, data analytics can be used to gain insights into enrollment patterns and employee preferences, helping to tailor future benefits offerings to better meet the needs of your workforce. Exploring our Benefit Administration Services for Employers can simplify this process.

Common Pitfalls and How to Avoid Them

Despite careful planning, common challenges can arise during open enrollment. Here’s how to tackle them:

• Missed Deadlines: To avoid this, send regular reminders and offer multiple opportunities for employees to complete their enrollments. Consider implementing a countdown clock or similar visual aid on the enrollment portal to keep deadlines in mind.
• Incomplete Forms: Ensure all forms are thoroughly checked and completed before submission. Providing a checklist can help prevent this issue. Additionally, consider implementing an automated system that flags incomplete forms and prompts employees to fill in missing information.
• Poor Communication: Avoid overwhelming employees with too much information at once. Instead, break down information into digestible pieces. Providing clear, concise, and relevant information in a timely manner is key to keeping employees engaged and informed.
• Technical Issues: Be prepared for potential technical glitches by having IT support readily available. Conducting a pre-enrollment test run can help identify and resolve any technical issues before the actual enrollment period begins.

By anticipating these common pitfalls and implementing proactive solutions, you can ensure a smoother benefit open enrollment process. Addressing these challenges head-on will help maintain employee satisfaction and streamline benefits administration.

Final Thoughts: Streamline Your Open Enrollment for Success

Efficient open enrollment requires careful planning, clear communication, and effective use of technology. Being proactive and well-informed can make the difference between a smooth enrollment process and a chaotic one. Start your planning early, and don’t hesitate to seek personalized guidance from HR or benefits administrators.

For more information and support, contact Progressive Benefit Solutions today to optimize your benefits administration process. By following these best practices, both employers and employees can navigate the open enrollment period with confidence and ease, ensuring everyone makes the most of their benefits options.

In recent years, wellness and health-related expenses have surged in popularity. However, the Internal Revenue Service (IRS) has issued guidelines to clarify that not all of these expenses qualify as medical care for tax purposes.

This blog post aims to shed light on these IRS guidelines, helping taxpayers and health enthusiasts navigate the distinctions between deductible medical expenses and wellness or health expenses that are not eligible for tax deductions using health savings accounts (HSAs) and health reimbursement arrangements (HRAs).

Introduction to IRS Health Expense Guidelines

The IRS provides specific guidelines on what constitutes medical care expenses eligible for deductions. Taxpayers must understand these guidelines to ensure compliance and maximize their tax benefits. Distinguishing between wellness and medical care expenses is essential for accurate tax reporting and planning.

What Qualifies as Medical Care According to the IRS?

Deductible medical care expenses encompass a broad spectrum of costs associated with diagnosing, treating, preventing, or mitigating diseases and conditions affecting any part of the body. Eligible expenses include payments to healthcare professionals, hospital and nursing services, prescription medications, and medical equipment such as wheelchairs and hearing aids. Additionally, preventive care services, mental health treatments, dental and vision care, and transportation expenses related to medical care are also considered deductible.

It is important to note that you can only deduct medical expenses if they exceed 7.5% of your adjusted gross income (AGI) for the tax year. You must itemize your deductions on your tax return to claim these expenses. Taxpayers are advised to maintain meticulous records and retain receipts to substantiate their medical expenses, as the IRS requires documentation for verification in the event of an inquiry.

Common Wellness and Health Expenses Excluded by the IRS

According to the IRS, not all health-related expenses qualify as medical care. Common wellness and health expenses that are typically excluded from tax deductions include gym memberships, nutritional supplements, and general health and wellness programs not prescribed by a physician. It’s important to review the IRS guidelines and consult with a tax professional to determine which expenses are eligible for deductions.

The Tax Implications of Non-Deductible Wellness Expenses

Non-deductible wellness expenses, such as gym memberships, nutritional supplements, and general wellness programs, do not offer the same tax advantages as qualified medical expenses. While beneficial to overall health and wellness, these expenditures are not eligible for tax deductions according to IRS guidelines. These costs must also be accounted for differently in your tax calculations, as they cannot reduce your taxable income.

It is imperative to understand the distinction between deductible medical expenses and the IRS wellness expense guidelines for accurate tax reporting and planning. Carefully categorizing your expenses is crucial to ensure compliance with IRS regulations and to avoid potential issues during tax season. By being informed about the tax implications of non-deductible health expenses, you can make strategic decisions about your spending and optimize your tax strategy.

Navigating IRS Guidelines: Tips and Best Practices

Navigating IRS guidelines on wellness and health expenses requires careful attention to detail and a proactive approach. Here are some tips and best practices to help ensure compliance and optimize your tax benefits:

• Maintain Detailed Records: Keep meticulous records of all your medical and wellness expenses throughout the year,  especially if you’re utilizing a fixed-indemnity health insurance policy or other health plans. This includes receipts, invoices, and any documentation from healthcare providers. Having organized records will make it easier to identify which expenses are deductible and provide evidence in case of an audit.
• Understand Eligible Expenses: Familiarize yourself with the IRS’s definition of medical care expenses. Refer to IRS Publication 502, “Medical and Dental Expenses,” for a comprehensive list of deductible expenses. This will help you distinguish between eligible medical expenses and non-deductible wellness costs.
• Seek Professional Advice: Tax laws can be complex, and the IRS guidelines for medical deductions are no exception. Consulting with a tax advisor or third-party benefits administrator well-versed in healthcare-related tax issues can provide valuable guidance.
• Review Your Tax Return Carefully: Before filing your tax return, review it thoroughly to ensure that all medical and wellness expenses are reported accurately. Double-check your calculations and ensure you adhere to the IRS deductions guidelines.

By implementing these tips and best practices, taxpayers can confidently navigate the complexities of IRS guidelines and make informed decisions about their wellness and health expenses. This proactive approach can lead to significant tax savings and help avoid potential issues with the IRS.

Maximize Your Benefits Compliance and Savings with Progressive Benefit Solutions

Ready to navigate the complexities of health benefits with confidence? Progressive Benefit Solutions is here to guide you through every step, ensuring your compliance with IRS guidelines while maximizing your tax advantages. Whether you’re exploring health savings accounts, seeking comprehensive health coverage, or need expert advice on health reimbursement arrangements, our team has the expertise to support your needs. Don’t let the intricacies of health and wellness expenses overwhelm you.

Contact us today to learn how we can streamline your benefits strategy for optimal financial health and compliance.

It is important for employees to be aware of the health insurance options available to them during and after their employment. Unfortunately, many are not aware of their eligibility for COBRA benefits, which can provide extended health coverage after leaving the company due to events like involuntary termination. As an employer, educating employees on COBRA benefits and how they work is crucial.

What is COBRA Health Insurance?

COBRA is a federally mandated health insurance option that enables employees to continue enjoying their employer’s group health plan even after experiencing a “qualifying event.” With COBRA continuation coverage in place, employees can avoid the risk of loss of coverage, which would otherwise leave them without coverage during critical times.

What Are COBRA Qualifying Events?

Several qualifying events can make the employee or their family members ineligible. Examples of circumstances that typically are COBRA qualifying events include:

• Job loss (voluntary or involuntary), a significant factor in the termination of employment
• Death or divorce (for spouses and dependent children)
• Reduction in hours of employment worked (from full-time to part-time)
• Transitioning jobs within the company
• Certain other life events

In addition to these circumstances, the employee must have insurance coverage when an event occurs. The employer also must offer COBRA benefits, which employers with at least 20 active employees are generally required to do.

What Insurance Coverage Do COBRA Benefits Include?

Under COBRA, employees can receive the same medical, dental, and vision insurance they have at the time of the qualifying event. The insurance must be offered, and they must be enrolled while maintaining their health plans.

How Much Does COBRA Insurance Cost?

The cost of COBRA insurance varies. Employees or their family members who opt for COBRA insurance are responsible for paying the total cost of the entire premium, including the monthly premium and an administration fee for processing payments and claims. This is applicable irrespective of whether an employer was previously contributing towards the insurance costs.

Although COBRA insurance can be an expensive option for employees, it does provide access to health plan coverage at a time when they might not have any other policy. It’s important to note that this coverage is not permanent and serves as a limited-time solution until a new policy is obtained, typically within an 18-month period.

The Importance of Clear and Concise Communication

It is crucial to inform employees about COBRA benefits, as many are unfamiliar with the continuation coverage. Failure to do so can result in stress over coverage, financial hardship when premiums are due, and even loss of medical insurance.

It is also important for employees to understand the specific deadlines that apply to their situation. Failure to meet these deadlines, such as signing up for continuation coverage or paying premiums, can result in losing coverage. Therefore, employees must be aware of these deadlines and take the necessary steps to comply, including understanding their election notice and dependent child status.

It is important for employers to communicate the benefits of COBRA to their employees, even if they may not be receptive to the information. Some employees who have been fired or laid off may be disenchanted and unwilling to listen to what their human resources or plan administrator has to say. Others who have lost coverage due to divorce or death might be emotionally distraught and have difficulty focusing. Despite these obstacles, employers must establish best practices for informing all employees who may require COBRA continuation coverage.

Best Practices for Communicating COBRA Benefits and Options

Employers must ensure employees understand the importance of maintaining their health insurance coverage through COBRA. Clear and concise communication is key in educating employees about their options and responsibilities during life events that trigger COBRA eligibility.

Some best practices include emphasizing the importance of pre-existing conditions coverage, the coverage period, and the amount of time an employee has to elect COBRA. Moreover, discussing the special enrollment period for alternative insurance and the implications of a disability determination are vital.

Use Simple and Jargon-Free Language

It is always good practice to use simple and easy-to-understand language when discussing any topic, particularly health insurance. HR should make sure to explain COBRA benefits in plain and clear language as much as possible. Most employees are not insurance professionals or HR representatives, so it is unreasonable to expect them to understand the terminology or other specifics thoroughly.

Clearly Outline Important Dates and Deadlines

Timing is critical with COBRA coverage. Employers must clearly emphasize essential dates, including the cutoff date for electing COBRA coverage after a qualifying event and the deadlines for premium payments. These dates should be reiterated and communicated in writing, as failing to meet a deadline can put the covered employee’s coverage in peril.

Provide Multiple Channels of Communication

It’s important to understand that each employee has their preferred method of communication. So, offering information through multiple channels can increase the chances that everyone receives and understands the message.

Employers should provide COBRA information through various means such as in-person meetings, physical handouts, email, online portals, and other effective communication channels. Additionally, external resources such as our COBRA FAQ can be a helpful tool for covered employees.

Tips for Effective Communication

No matter how you share COBRA benefits information, there are several ways to make the details more digestible. All methods of communication might include:

• Infographics or other visual aids
• Charts with key dates and premium amounts
• Lists of benefits that are available

Even with well-designed materials, employees may still have questions. A dedicated support channel should be provided to ensure timely resolution of their queries. If possible, this channel could be in the form of a phone line or email, with a direct connection to an HR representative or plan administrator. Such support is often highly appreciated, especially when a deadline is approaching.

Importance of Ongoing Communication and Reminders

COBRA benefits communication isn’t a one-time conversation or stagnant web page.

Employers should regularly communicate benefits to employees so they’re reminded of the available coverage. An initial communication during onboarding should be followed with annual reminders during open enrollment. Should an employee experience a qualifying event, HR should follow up directly with the employee, emphasizing the importance of their months of coverage.

Common Employee Questions and Concerns

While employees can have a myriad of questions, here are some common questions that HR should be prepared to answer:

What happens if I find a new job?

COBRA is a temporary health insurance plan for employees between jobs and waiting for a new health insurance plan to kick in. If an employee becomes eligible for another group health insurance plan, they will no longer qualify for COBRA coverage.

Can I switch from COBRA to a Marketplace plan?

Individuals covered under COBRA can switch to a Marketplace insurance plan. They can do this during the Marketplace open enrollment period or if they experience another qualifying event that triggers a special enrollment period.

What are the deadlines for electing COBRA coverage?

Employees are usually allowed to select coverage within 60 days from the qualifying event date or when they receive a COBRA election notice, whichever is later. Employees can make a claim if coverage is chosen after the previous eligibility expires.

Once coverage is selected, the first premium payment is usually due within 45 days. It’s important to note that the 45-day period begins when coverage is elected, which may be different from when coverage first becomes effective.

Facilitate Effective COBRA Communication

It’s important to ensure your team can communicate COBRA benefits details effectively with employees. This includes developing resources employees can use to access information, ensuring that HR representatives and supervisors understand the benefits, and encouraging regular communication. By having these resources in place, your employees will know how they can maintain their health insurance coverage in the event of something unexpected.

For more help communicating COBRA benefits or other aspects of employee benefits administration, contact us at Progressive Benefit Solutions.

Human resources is still a people-centered field, but technology has become an integral part of how employers care for their employees. By using HR technology solutions, businesses can handle all HR matters more efficiently, from welcoming new hires to eventually bidding them farewell.

Businesses today must remain compliant with regulations and take care of their employees while attending to other HR-related matters efficiently. By implementing the right HR technology solution, HR representatives can save time, minimize errors, increase employee engagement, and improve operational efficiency in this critical area of their business. These solutions are crucial for modern companies striving to maintain a competitive edge in the marketplace.

What Are HR Technology Solutions?

HR technology solutions refer to the software and tools that organizations use to manage their human resources processes more efficiently and effectively. These solutions are designed to automate and streamline various HR tasks, such as recruitment, employee onboarding, performance management, payroll management, benefits administration, training and development, and employee engagement.

HR technology solutions can be implemented through standalone systems or integrated into a comprehensive HR management system (HRMS ) that integrates all HR functions into one platform. These solutions are often cloud-based, allowing for easy accessibility and collaboration across different devices and locations.

Types of HR Technology Solutions

In the rapidly evolving field of human resources, technology solutions have become indispensable, addressing virtually every facet of HR management. These innovative tools empower businesses to streamline operations, enhance efficiency, and make data-driven decisions tailored to their unique requirements. Among the plethora of options available, certain solutions have gained prominence for their effectiveness and widespread adoption:

• Applicant Tracking Systems (ATS): These systems revolutionize the recruitment process by automating the tracking of applications, simplifying candidate screening, and enhancing the overall efficiency of hiring workflows. ATS solutions ensure that organizations can quickly identify and engage top talent, significantly reducing time-to-hire.
• Performance Management Software: This software facilitates a comprehensive approach to employee evaluation, enabling continuous feedback, goal setting, and performance assessments. By moving beyond traditional annual reviews, performance management software supports real-time growth and development opportunities for employees.
• HR Analytics Tools: With a focus on data-driven decision-making, HR analytics tools provide valuable insights into workforce dynamics, productivity, and trends. These solutions harness the power of data to inform strategic planning, optimize workforce allocation, and predict future HR needs with precision.
• Benefits Administration Platforms: Simplifying the complex process of managing employee benefits, these platforms offer a centralized system for administering medical insurance, dental and vision plans, flexible spending accounts (FSA) administration, and more. By streamlining benefits management, organizations can ensure compliance, enhance employee satisfaction, and manage costs more effectively.

A comprehensive benefits administration platform not only simplifies the management of traditional benefits but also adapts to the changing landscape of employee needs, offering flexibility and customization. Through these advanced HR technology solutions, businesses of all sizes can achieve operational excellence and foster a more engaged, productive workforce.

Benefits of Implementing HR Technology Solutions

Implementing HR technology solutions can significantly elevate a business’s operational efficiency and contribute to a more positive employee experience. Here are the key benefits:

• Streamlined Processes: By automating routine administrative tasks, HR technology solutions free up valuable time for HR representatives, allowing them to focus on more strategic tasks. Automation of employee records management ensures accuracy and easy access, enhancing the efficiency of HR operations.
• Strategic Decision Making: Advanced data analytics and reporting capabilities equip HR professionals with the insights needed for strategic decision-making. This data-driven approach impacts crucial aspects of employment, from workforce planning to performance management, ensuring decisions are grounded in solid data.
• Boosted Employee Satisfaction: HR technology solutions, particularly self-service portals, empower employees by giving them direct access to their information and the ability to update personal details, benefits, and more—anytime, anywhere. This autonomy improves the overall employee experience, leading to higher satisfaction and engagement.
• Inclusive Hiring: Technologies such as Applicant Tracking Systems (ATS) play a crucial role in promoting fair and unbiased hiring practices. By focusing on candidates’ qualifications and experience, these systems help create a more diverse and inclusive workplace.
• Cost Savings: Beyond streamlining HR processes, technology solutions contribute to significant cost savings by reducing the time and resources spent on manual tasks. Digitalizing employee records and communications not only cuts down on paper use but also enhances efficiency across the board.

Incorporating HR technology not only optimizes internal processes but also significantly impacts the employee experience, from onboarding through to development and retention. By ensuring easy access to employee records, enabling strategic decision-making, and improving satisfaction, businesses can foster a supportive and efficient workplace environment.

Key Features to Look for in HR Technology Solutions

Ensuring that your HR technology solution is equipped with the right features to provide maximum benefit is essential. Some key features to prioritize include:

• Applicant Tracking System
• Performance Management Software
• Employee Login
• Internal Communications System
• Document Uploading and Verification
• Electronic Signatures
• Robust Data and Analytics

PBS HR technology solutions are designed to offer you comprehensive services with the most essential features. For a more detailed review of our services, find out what sets us apart as a third-party administrator (TPA).

Considerations for Implementing HR Technology Solutions

Before adopting a new HR technology solution, businesses should carefully consider how the new software will integrate with their existing systems and processes. This encompasses everything from software integrations with other platforms and third-party apps to training employees on new ways of doing things.

Although integration isn’t typically a deal-breaker when selecting a particular solution, it is a crucial step that should be well-thought-out to ensure a successful launch of the new software.

Future Trends in HR Technology Solutions

HR technology solutions continue to evolve, with emerging trends like artificial intelligence and machine learning being integrated into many solutions.

The latest trend in the workforce is the adoption of remote and hybrid work setups by many employees. When choosing an HR solution, it’s crucial to evaluate its ability to meet the current work environment’s needs while being flexible enough to accommodate emerging technologies.

Contact PBS for HR Technology Solutions

Modern HR processes rely heavily on comprehensive technology solutions. These tools are essential for streamlining workflows and improving overall efficiency. If you’re interested in discovering how our HR technology solutions can optimize your operations, please don’t hesitate to reach out to us — our friendly team is happy to provide you with more information.

Businesses that want to attract top talent have long used employee benefits packages to entice workers. Traditional benefits, like paid time off, health insurance, and the 401(k), remain the cornerstone of compensation packages. Increasingly, though, employers also offer other benefits – such as QTA benefits.

What are Qualified Transportation Accounts (QTAs)?

Qualified transportation accounts (QTAs) are an employer-sponsored benefit plan that allows employees to use pre-tax dollars to pay for eligible transportation expenses. Eligible expenses for the pre-tax transportation benefits include a transit and a parking component.

Transit costs can include most expenses employees incur when not taking their personal vehicle to and from work. Public and mass transit, including subway, bus, rail, and ferry, are covered whether riding with individual tickets or a monthly pass. Carpooling is eligible if the vehicle seats at least six adults plus a driver (i.e., vanpooling). UberPool and Lyft Shared are also eligible.

Qualifying parking spaces include most parking near work or a public transit location. These could be meters (with a receipt), an open lot, a parking garage, or another location.

Transportation costs for driving a personal vehicle aren’t eligible. Employees who drive to work can use the parking expense component but not transportation for gas, maintenance, or tolls.

The maximum allowed amount is based on a monthly, rather than annual, amount. For 2024, the IRS allows employees to use up to $315 monthly for each transportation and parking ($630 per month total).

Benefits of Offering QTAs to Employees

Qualified transportation accounts are helpful to employees at all pay levels, making them something most employers should consider.

Tax Advantages of QTAs

Low-wage employees appreciate a tax break on such a direct and immediate cost. Some individuals may not have the financial means to wait until their retirement age to receive the benefits of a 401(k) plan. Still, they can take advantage of an immediate monthly expense. Sometimes, this is one of the few benefits employers can afford to give low-wage employees.

Transportation Expense Management

Additionally, many high-income employees work in locations where parking is expensive, rush hour can be severe, and public transit isn’t cheap. If you have employees working at a downtown location in any city, and particularly if they’re in a major city, this is something that your employees would undoubtedly want and use.

Enhanced Employee Satisfaction

For employers, offering a QTA benefit is an easy way to attract new employees, increase retention, and generally make employees a little happier. It can be especially effective for locations where transportation costs are high and rush hour is long.

How to Implement QTAs in Your Compensation Package

As with other employee benefits, employers usually don’t administer qualified transportation accounts themselves. Instead, they outsource to a QTA provider.

At Progressive Benefits Solutions, we specialize in QTAs. Our team can discuss this specific benefit in detail, and we can provide QTA benefits administration alongside other employee benefits administration for a comprehensive, efficient solution.

Once you’ve chosen a third-party benefits administrator to work with, you’ll then set up the processes necessary for employees to use their QTA benefits. Our team can walk you through the initial setup and ensure employees can easily use their benefits.

After setup, the final step is to educate employees on the benefits and how to take advantage of their QTA.

Best Practices for Maximizing the Effectiveness of QTAs

The success of a qualified transportation account program depends on effective communication. Various methods can be used to maximize QTA benefits for employees.

Educate Employees

Many employees might not know how a QTA can help them manage transportation expenses. It is important to inform employees about the benefits and explain how those benefits can help them. Human resources representatives should be familiar with eligible expenses and how much can be used monthly. HR should also calculate the rough tax savings at different salary levels and provide examples of how much employees might save on taxes.

Encourage Participation

Employees should be continuously encouraged to take advantage of the QTA benefit. HR representatives and managers should urge employees to enroll and participate. Once a few use the benefit, they’ll often organically encourage others. HR and managers may only need to inform new employees and periodically remind current employees of the benefits.

Monitor and Evaluate the Impact

Of course, employers should monitor the ongoing use of any benefit they offer. Following usage and gathering employee feedback will help employers improve satisfaction and tailor a QTA benefit program for their employees.

Set Up QTA Benefits for Your Employees

A qualified transportation account is a valuable benefit that most employers can offer to their employees. Unlike other benefits that may not be useful for everyone, this account can be utilized by almost every employee.

If a QTA benefit is something that your employees would appreciate (and it likely is), contact us at Progressive Benefits Solutions. You can learn more about QTAs and how we help them or get in touch to speak directly with one of our team members.