Reuben Warner Associates expands its capabilities in the state mandated disability marketplace as we can now assist with the placement of MA Paid Family & Medical Leave coverage for companies with employees in Massachusetts.

Please feel free to reach out to our team if you have specific questions.

Business Travel Accident Coverage (BTA) is a low-cost, employer paid, customizable insurance product that provides financial protection, peace of mind offering Travel Assistance Services and other valuable benefits to the employees of any sized business.  

Please read the attached descriptive overview, and learn how and why Business Travel Accident can be a fit for your client base and prospective clients.

January is approaching quickly and is the heaviest renewal month of the year – please contact one of the expert Reuben Warner Associates team members to assist you and your clients with creating a comprehensive Business Travel Accident policy.  Our expertise and services can also be engaged on any current BTA program that you have in place for your client base.

The State of NJ has begun to release AC 174 (Notice of Employer Contribution Rates) for 2020 and have also announced an increase to the employee contribution rates as well.  The time to act is now as most private plans are placed for January 1st!   As experts in the Statutory Disability marketplace, we can assist in discussing the advantages of privatizing NJ TDB coverage with you and your clients.

2020 NJ TDB Update Aug 2019

The State of NJ has passed sweeping changes to NJ TDB regulations making it much easier for employers to privatize coverage.  There is still opportunity to take advantage of these changes as groups can privatize for April 1st.

NJ TDB Update Feb 2019

Has your client’s Business Travel Accident policy been renewed year after year without any updates?

We recognize that business travel accident is not your priority.

With so many BTA policies renewing January 1 coupled with the changes in the marketplace from new entrants, updated policy filings and changes in management teams, it’s easy to try to just renew as expiring.

But, when was the last time you asked your clients about the risks facing their employees when traveling on their behalf?

How are your clients addressing security risks and evacuation?  War Risk coverage? Accident & Sickness Medical Emergencies?

Will your competitors raise these questions?

Reuben Warner Associates can be your solution and competitive edge.

Our firm can provide you with a no cost analysis of a current plan and perform the marketing that may be required to ensure the BTA coverage continues to meet your client’s changing needs and that your client’s policies include the latest valuable enhancements and competitive terms and conditions.

It’s simple to engage us, all we need to start is a conversation and a copy of the inforce policy.

We look forward to working with you.  Remember, “Your Success is Our Goal”

The State of New Jersey recently announced a cost reduction to employees for the NJ TDB coverage effective 1/1/19.  Your clients may be able to receive significant rate relief as well.   The time is now to allow the experts at Reuben Warner Associates to conduct a no cost review of your client’s NJ TDB coverage to determine the viability of privatization.  Privatizing NJ TDB coverage often results in significant cost savings to employers, coupled with improved overall administration and claims handling.  Since most business is implemented for January 1, you can begin the new year with savings for your clients!

2019 NJ TDB Update

Amtrust (Wesco) has announced a relationship with AbSolve, a Custom Absence Management Program solutions provider who will service existing NJ TDB policyholders as well as any new placements as the Third Party Administrator (TPA).  Updated contacts and information pertaining to this arrangement are enclosed in the attached announcement which are also be mailed to policyholders.  The effective date of this change is 9/1/18 and affects claims with a  date of disability beginning 9/1/18 and beyond.  Claims already in process with dates of disability prior to 9/1/18 will remain with the current Amtrust (Wesco) claims department.

Enhanced services include access to an on-line portal, telephonic claim intake, and faster claim payments.

Larger cases may be able to request a suite of customized reporting options as well.

Amtrust (Wesco) TPA Announcement

Any question please don’t hesitate to contact us.

As a New York Company, Reuben Warner Associates along with all other businesses in New York must remit quarterly premiums for PFL deductions made from employees through payroll deductions.  For small employers who remit NY DBL/PFL premiums on an annual prepaid basis, employers would need to estimate the annualized contribution they will collect from employees.  Worst case scenario, some may choose to remit the maximum contribution of $85.56 for 2018 for each employee and reconcile at the end of the year where appropriate.

We have attached a sample worksheet from one of our carriers, namely, Standard Security.  We have also attached our own “Employee Earnings” record (requested check dates 1/1/18 – 6/30/18) from our payroll vendor- Paychex.

As you can see, if any of your clients are using an outside payroll vendor, like Paychex, they can save a lot of time by simply submitting this form or transposing the information from this form to the appropriate Insurance Companies NY DBL bill.

We have submitted our form received from Paychex to all of the markets and asked for their comments regarding same.  Once received, we will share their responses for your review.  A recent sampling of completed billing statements showed 50% were filled out incorrectly.

We, along with our brokers and carriers, have been inundated with questions regarding PFL.  The reporting of premium has produced so many errors that allocations to accounts have been delay and in some instances, notices of cancellation have occurred.

We hope the brokerage community will agree with us, that utilizing the information being prepared by the payroll vendors may be a helpful aid in solving this billing issue. Collectively, we should all be contacting the insurance companies to simplify the bill.


DBL+PFL Sample Quarterly Invoice   Employee Earnings Record


Any questions, please do not hesitate to contact us.

Since the passage of the NY Paid Family Leave Benefit, many have been asking how benefits will be taxed and whether or not the employee contributions would be withheld on a pre or post tax basis.  The New York State Department of Taxation and Finance has released the attached notification as guidance.

NY PFL-Taxing Information

Any questions, please do not hesitate to contact us.