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Non-traditional benefits arrangements are anything but simple from a compliance perspective. That doesn't mean you shouldn't pursue them - it means you should understand the implications of what you're recommending. It's one of the primary reasons why strategic planning is the riskiest time of year for a benefits consultant. Time and time again I see brokers recommending arrangements without understanding their impact to pre-tax premiums, affordability calculations, COBRA, and more. Be creative.
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