Legal questions go to your attorney, and we bring the facts.
Severance terms, releases and notice questions belong with your attorney. Here is what a benefits broker brings instead.
Who handles what.
Your Attorney
Severance agreements, releases, WARN determinations and legal risk belong with your attorney.
The Broker
A broker brings plan facts, carrier rules, dates and costs.
Where They Meet
The attorney needs those facts to advise well, and the broker needs the attorney’s decisions to act on.
How it plays out.
A layoff raises legal questions and benefits questions at the same time, and they are easy to mix up. Whether a separation agreement can include a given term is a legal question. How a given term affects coverage under the plan is a benefits question.
The best results come when the two are kept apart but share facts. The attorney decides what the law requires and what risk to take. The broker supplies plan terms, carrier rules and costs, so the attorney is not guessing.
CFH clients can also reach attorneys and CPAs through the firm when a question needs one. That does not replace your own counsel on matters like severance or WARN.
How we help.
A broker should take work off a smaller HR team, not add to it.
Fact Sheets
We help prepare plan facts and dates your attorney can rely on.
Attorney Access
CFH clients can reach attorneys through the firm when a question needs one.
Decisions Carried Out
We help carry the decisions through the carriers and payroll.
Working with counsel.
Share the Plan Facts
Give your attorney the plan terms and dates early.
List the Open Questions
Write down each question that needs a legal answer.
Get the Decision in Writing
Ask counsel to confirm each decision in writing.
Carry It Out
Pass the decisions to the carriers, administrator and payroll.
Mistakes that cost money.
Asking the Broker for a Legal Call
Legal questions belong with an attorney.
Deciding Before the Facts
Terms agreed without the plan facts can conflict with the plan.
No Handoff
Decisions that are not passed on do not change the records.
Related guides.
Right-Sizing HR After Layoffs: The Benefits Workload
The full picture.
Unemployment Insurance, Severance and Employee Benefits
What changes when coverage ends.
Is HR carrying more than it should?
Tell us what changed, and we will show you what to take off the desk.
Your renewal letter
Your census
Your current plan documents
Your renewal date
Rough answers are fine. We build the numbers from there.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.