Benefit Quest, Inc.

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Benefit Quest, Inc. Payroll, Benefits, Insurance, Financial Services. Learn more or contact us: benefitquest.com/facebook Independent Insurance Agency

Medicare Annual Enrollment opens today, October 15, and runs through December 7.During this window, people on Medicare c...
10/15/2026

Medicare Annual Enrollment opens today, October 15, and runs through December 7.

During this window, people on Medicare can review their coverage, switch plans, or make changes for next year. That applies whether it's your own coverage or you're helping a parent through it.

Options for changes outside this window are limited, so put December 7 on the calendar now, even if you're not sure anything needs to change.

If you'd like help figuring out what to review before the deadline, Contact Us.

If your business sells advice, an unhappy client can turn into a claim.Accountants, attorneys, consultants, and fraction...
10/14/2026

If your business sells advice, an unhappy client can turn into a claim.

Accountants, attorneys, consultants, and fractional CFOs all carry Professional Liability coverage, also called Errors and Omissions (E&O). Many bought their policy years ago, when the practice looked different.

A few places where gaps tend to show up:

The policy lists the services you offered when you bought it. If you've added advisory work since then, it may not be described.

Scope of work gets agreed over email and never makes it into a signed engagement letter. Later, what was promised comes down to memory.

Claims often come from a client who believed they were promised a certain result, even when the advice itself was sound.

Defense costs can add up whether or not the complaint holds up. That part surprises a lot of people.

If your practice has changed since your coverage was last reviewed, it's a short conversation. Contact Us.

This spring, a client left us a Google review. One line in it has stayed with us:"They were so honest that they recommen...
10/13/2026

This spring, a client left us a Google review. One line in it has stayed with us:

"They were so honest that they recommended a plan for me personally, even though they would not make any money on the commission."

That's a fair thing to expect from any broker, including us. If you're working with one, here are three questions to ask:

Are you independent, or do you work with a limited set of carriers?

How are you paid on what you're recommending?

Have you ever recommended something to a client that you couldn't sell them?

A good broker should be comfortable answering all three.

If you'd like a second opinion on your current coverage, Contact Us. And if we've helped you, we'd be grateful if you shared your experience in a Google review. https://bit.ly/4qV9c97

Many employees don't know what their health plan covers for mental health.World Mental Health Day is this Saturday. One ...
10/09/2026

Many employees don't know what their health plan covers for mental health.

World Mental Health Day is this Saturday. One of the most useful things an employer can do for it costs nothing: remind your team what they already have.

Benefits usually get explained once, during onboarding. Two years later, someone needs help and has no idea whether it's covered or where to start.

A short note from you can fix a lot of that. It helps to include:

Whether your plan has an employee assistance program (EAP), and how to reach it.

Whether telehealth is available for mental health visits.

Where to find the list of in-network providers.

If you offer an EAP, it may be one of the least-used benefits you pay for. If you're not sure what your plan includes, we can help you find out. Contact Us.

ICHRA and Group Health are two different ways to fund employee health coverage. Each has trade-offs, and the right fit d...
10/07/2026

ICHRA and Group Health are two different ways to fund employee health coverage. Each has trade-offs, and the right fit depends on your team and your priorities.

With Group Health, your company sponsors a plan through a carrier. Many group plans offer national network access, and you can offer more than one plan design so employees can choose what fits their needs.

With an ICHRA, you set a monthly allowance for each employee. They use it to buy their own coverage in the Individual Marketplace, and you reimburse them on a tax-advantaged basis up to that amount.

A few trade-offs worth weighing:

Group Health gives you more say over plan designs and the networks your team uses.

An ICHRA gives you a predictable budget, since your cost is the allowance you set.

With an ICHRA, plan choices depend on what the Individual Marketplace offers where each employee lives.

Before you renew, it helps to compare both against your actual roster and budget.
If you'd like help running that comparison, Contact Us.

10/06/2026

Before your benefits renew for another year, ask yourself three questions.

How much has your cost changed from year to year? If nobody on your team can answer without pulling up an invoice, start there.

If you have employees in more than one state, is one plan serving all of them well? Or did you pick it because it's easier to administer?

When employees choose their own coverage, do they get real help with the decision? Or do they get a login and a deadline?

Most companies can't answer all three with confidence, and that's normal. Asking now gives you time to make sure the plan still fits the business you've grown into.

If you'd like help working through them before your renewal, Contact Us.

Small businesses are frequent targets for cyberattacks, mostly because they tend to have fewer protections in place.Octo...
10/05/2026

Small businesses are frequent targets for cyberattacks, mostly because they tend to have fewer protections in place.

October is Cybersecurity Awareness Month, so this is a good time to look at where your business is exposed.

Most of the incidents we hear about start with something ordinary. An employee clicks a convincing email. Or a vendor with weaker security gets breached, and the attacker comes in through them.

Three steps make a real difference:

Train your team to recognize phishing emails.

Turn on multi-factor authentication for email and any financial accounts.

Write down an incident response plan, so everyone knows who to call in the first hour.

The IT fix is often the smaller part of the bill. Customer notifications, legal review, and days the business can't operate add up quickly.

If you already have cyber coverage, check when it was last reviewed against how your business handles data today. If you'd like help with that, Contact Us.

10/02/2026

Wishing everyone celebrating a joyful Shemini Atzeret and Simchat Torah.

Chag Sameach, from all of us at Benefit Quest.

Happy Birthday, Todd! When he's not at the office, you'll find him hunting for treasures at estate sales or adding to hi...
09/30/2026

Happy Birthday, Todd! When he's not at the office, you'll find him hunting for treasures at estate sales or adding to his comic book and sports card collection. Fun fact: he once competed as an amateur pool player in Las Vegas. Wishing you a great one, Todd!

09/25/2026

Chag Sameach to everyone celebrating Sukkot this week.

Wishing you a great holiday, from the Benefit Quest team.

Address

420 Lexington Avenue, Suite 2400
New York, NY
10170

Opening Hours

Monday 8:30am - 7pm
Tuesday 8:30am - 7pm
Wednesday 8:30am - 7pm
Thursday 8:30am - 7pm
Friday 8:30am - 7pm

Telephone

+12123897838

Website

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