The expensive mistake is a caregiver who left but is still on the bill.
In an agency with steady turnover, terminations happen constantly. When one is missed, the carrier keeps billing and the agency keeps paying for coverage nobody is using.
Send Us Your Renewal ← Back to Benefits Administration And Payroll
Terminations need an owner and a deadline.
What Is Actually True
A caregiver who leaves but stays on the carrier’s bill costs the agency premium and creates an eligibility dispute if the person later uses the coverage.
The usual cause is not carelessness but no defined step linking the termination in payroll to the carrier.
What We Do About It
We set a termination process with a named owner, a deadline and a record, so coverage ends when it should.
We also reconcile the carrier bill against active enrollment each month to catch the ones that slip.
From missed terminations to a process.
What We Need
How terminations are handled today and who handles them.
What We Do
We define the steps, owner and timing and set up the check.
What You Get
A termination checklist and a monthly reconciliation.
Questions on this topic.
Short answers for agency owners.
How long can we keep a terminated employee on the plan?
It depends on the plan document and carrier rules. We confirm and write it down.
Can we get a refund for months we paid in error?
Sometimes, with limits set by the carrier. We tell you what is recoverable.
What triggers COBRA?
Termination can be a qualifying event. We cover the notice timing on the COBRA page.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
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.