Sullivan Benefits

Sullivan Benefits Sullivan Benefits is your one-stop resource for all of your employee benefits and wellness needs.

For information about Employee Benefits, or Employee Wellness Programs contact us at:

5 Mount Royal Ave, Suite 250
Marlborough, MA 01752
774-369-0280

This month’s healthy recipe features a refreshing cucumber and tomato salad:🍅 2 cups cucumber (diced)🍅 1 cup tomatoes (s...
09/29/2025

This month’s healthy recipe features a refreshing cucumber and tomato salad:

🍅 2 cups cucumber (diced)
🍅 1 cup tomatoes (seeded and diced)
🍅 ¼ cup sweet onion (chopped)
🍅 2 cups couscous (cooked)
🍅 2 tsp. dill w**d (chopped)
🍅 ½ cup low-fat Italian salad dressing

Here’s the recipe to share with your employees: https://sullivan-benefits.pulse.ly/r7vnewq99l

Deadline Approaching: MLR Rebates for EmployersEmployers with insured group health plans may soon receive medical loss r...
09/26/2025

Deadline Approaching: MLR Rebates for Employers

Employers with insured group health plans may soon receive medical loss ratio (MLR) rebates from their insurance issuers. Rebates for the 2024 plan year must be distributed by September 30, 2025.

What employers need to know:
✅ Rebates may come as a premium credit or lump-sum payment
✅ Any portion considered a plan asset under ERISA must be used for employees’ benefit
✅ Employers should use rebate funds within three months to avoid ERISA’s trust requirement
✅ Be prepared to answer employee questions about how the rebate is allocated

Now is the time to review your responsibilities and plan how rebates will be applied.

Read more here: https://sullivan-benefits.pulse.ly/ucxcsoet5l

09/25/2025

The clock is ticking on a key compliance requirement. Employers with group health plans that include prescription drug coverage must provide Medicare Part D disclosure notices to employees and dependents who qualify for Medicare before October 15.

Why this matters:

📅 Notices must be sent before October 15, 2025
📅 They confirm whether your prescription drug coverage is creditable
📅 Missing the notice can result in higher premiums for employees who delay enrolling in Part D
📅 CMS offers model notices in English and Spanish to simplify the process

Pro tip: Many employers streamline this requirement by including the notice in their open enrollment packets sent out in September.

Read the full compliance update here:https://www.sullivan-benefits.com/wp-content/uploads/2025/08/110448-Medicare-Part-D-Notices-Are-Due-Before-Oct-15-2025.pdf

Preventing Reverse Discrimination ClaimsAs diversity programs expand, reverse discrimination claims are becoming more co...
09/24/2025

Preventing Reverse Discrimination Claims

As diversity programs expand, reverse discrimination claims are becoming more common. Employers need to stay ahead by training managers and updating policies.

This month, review your approach:
📌 Refresh employee training sessions
📌 Audit workplace policies for fairness
📌 Document decision-making processes

Read more:https://www.sullivan-benefits.com/wp-content/uploads/2025/08/Best-Practices-for-Preventing-Reverse-Discrimination-Claims.pdf

September is moving fast. With new routines and busy schedules, it is easy to push wellness aside. At Sullivan Benefits,...
09/23/2025

September is moving fast. With new routines and busy schedules, it is easy to push wellness aside. At Sullivan Benefits, we know that delaying healthy habits can impact energy, focus, and performance at work.

Here are 3 actions to take now:

✅ Move daily: A short walk or stretch can reset your energy and focus
✅ Manage stress: Cortisol, the body’s stress hormone, rises under pressure. Taking breaks helps keep it in balance
✅ Stay aware: Seasonal changes affect hydration and even how some medications work.

What small step are you committing to this month to keep your wellness on track? Share it with us in the comments.

Read more wellness tips here: https://constantcontact.pulse.ly/zrhkbtb5re

New Tax-Favored Accounts for ChildrenA new type of account is on the way to help families save for child-related expense...
09/19/2025

New Tax-Favored Accounts for Children

A new type of account is on the way to help families save for child-related expenses. Employers should prepare for questions and consider how this fits into future benefits planning.

This September, start the conversation:

✅ What do these accounts mean for employees?
✅ How could they impact current offerings?
✅ Should leadership plan for integration?

Read more: https://sullivan-benefits.pulse.ly/8zuigop0ci

Open enrollment is one of the few times each year when employees take a close look at their benefits. The way you commun...
09/11/2025

Open enrollment is one of the few times each year when employees take a close look at their benefits. The way you communicate during this period can make the difference between confusion and confidence.

Clear communication helps employees:
📢 Understand their options without the jargon
📝 Meet deadlines and avoid mistakes
🤝 Feel supported and valued by their employer

The key isn’t just what you say but how you say it. Using multiple channels, keeping messages simple, and being available for questions all go a long way in helping employees make informed choices.

What’s been the biggest challenge for your team during open enrollment getting attention, keeping messages clear, or making sure everyone meets the deadline?

Read the full guide here: https://sullivan-benefits.pulse.ly/eqpkw15ybr

Is your employee handbook protecting your organization or exposing it?Many companies create a handbook and never look ba...
08/29/2025

Is your employee handbook protecting your organization or exposing it?

Many companies create a handbook and never look back. But outdated language or vague policies can lead to serious compliance issues, legal risk, and employee confusion.

A well-crafted handbook is not just a formality. It is a compliance tool, a communication guide, and a risk management asset.

What to include:
✅ Policies tailored to your workforce
✅ Legally sound language
✅ Clear expectations for managers and employees

Want to feel confident about what your handbook says? Start with our best practices guide.
https://sullivan-benefits.pulse.ly/c5z8f7h5fo

With 4 million grills fired up daily during summer, it’s no surprise that July tops the charts for grill-related home fi...
08/26/2025

With 4 million grills fired up daily during summer, it’s no surprise that July tops the charts for grill-related home fires.

As your employees spend more time outdoors this season, it’s a great opportunity to share quick fire safety reminders like these:

Top Tips:
• Keep grills 10+ feet from your home and deck
• Never use grills in enclosed spaces (like porches or garages)
• Check propane connections before lighting
• Never use a match to check for leaks

Helping your team stay safe at home is part of building a stronger workplace culture.

Tap to learn more: https://constantcontact.pulse.ly/9n3vqrhyh0

Feeling burned out? Your employees probably are too.Studies show that just 120 minutes outdoors per week can significant...
08/21/2025

Feeling burned out? Your employees probably are too.

Studies show that just 120 minutes outdoors per week can significantly boost mental health, improve focus, and reduce anxiety.

Encourage your team to unplug, step outside, and reset.
Sometimes the best wellness program is the simplest one.

📄 Learn more in our latest Mental Health Minute.https://https://sullivan-benefits.pulse.ly/sxqamxc5qy

Employers are under pressure to expand paid leave but most don’t have the budget or capacity to keep up.State mandates a...
08/19/2025

Employers are under pressure to expand paid leave but most don’t have the budget or capacity to keep up.

State mandates are rising. Employee expectations are shifting. And now, a growing number of states are offering an alternative: Voluntary paid family leave through private insurance carriers.

These policies offer wage replacement for events like bonding with a child or caring for a family member without the complexity of joining a state-run program.

States like Alabama, New Hampshire, Vermont, Kentucky, and Florida are already on board, allowing options that are:

• Employer-sponsored
• Employee-purchased
• Integrated with disability coverage

While these plans don’t guarantee job protection, they can expand your benefits offering and give you more control over cost and design.

📄 Get the full overview:
https://sullivan-benefits.pulse.ly/m0mulz6fdj

A new federal law just reshaped employee benefits and most employers aren’t ready.Signed on July 4, the One Big Beautifu...
08/13/2025

A new federal law just reshaped employee benefits and most employers aren’t ready.

Signed on July 4, the One Big Beautiful Bill Act (OBBB Act) introduces sweeping changes that will directly affect benefit strategies starting in 2026.

Key updates include:

• Expanded HSA eligibility for employees using Direct Primary Care
• Permanent telehealth flexibility under HDHPs
• Increased Dependent Care FSA contribution limits
• Ongoing tax-free student loan repayment support
• Introduction of a new tax-advantaged savings tool for children the “Trump Account”

These provisions bring new opportunities, but also new requirements. Plan documents, payroll systems, employee communications, and compliance processes will all need attention.

At Sullivan Benefits, we’re already working with clients to evaluate the impact, prepare for implementation, and ensure nothing gets missed in the transition.

📄 Read the full summary:
https://sullivan-benefits.pulse.ly/9zgmxti6u8

If you’re unsure how these updates affect your current benefits strategy, let’s start the conversation now before the deadlines arrive.

Address

5 Mount Royal Avenue, Suite 250
Marlborough, MA
01752

Telephone

+17743690280

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