Pub. 2 2020 | Issue 8


Are You Prepared For The New Normal?

Are you, or your business clients that bank with you, prepared for the “new normal”? Does anyone truly know what the “new normal” is? Are you compliant with the latest ever-changing regulations regarding group benefits?

Happy employees are productive employees! Workplace surveys have shown that employees often value additional benefits more than extra vacation days or pay raises. When those benefits are affordable, it makes you look even better. According to a recent poll (NPR/PBS NewsHour/Marist Poll), one in five American households has lost income due to the pandemic. Employees need the help of their employers to access affordable group benefits. That’s where external experts can assist. When working with outsourced expertise, you and the clients that bank with you can rest easy knowing that extensive research was conducted, all available insurance carriers quoted, rates negotiated and presented, delivering the best benefits package possible.

Returning employees to work has never been more difficult. Over the past few months, we have helped banks and other businesses navigate their individual challenges related to the benefits they offer employees and COBRA related events to employees that have been laid off or furloughed. We have helped them find alternate solutions for their employees and the compliance that goes with it. We also have a complimentary compliance assessment tool that helps a business gauge how vulnerable they are to fines related to employee benefits from EBSA and the DOL.

URL Insurance Group has been helping banks and other industries deal with the complicated nature of COVID-19’s effect on their specific businesses since the very start of the pandemic. Pre-COVID-19, our focus remained the same — offer multifaceted insurance products and services to business owners and leaders, insurance agents and professional advisors. We understand one size does not fit all, and we specialize in listening to your specific needs and pain points to develop a custom benefit strategy that not only makes sense from a plan design standpoint but also falls within (or under) budget as well!

We’ve helped employees and employers understand their respective rights with unemployment benefits and developed best-case scenarios to avoid litigation for both parties, stayed on top of the latest technologies to ensure you and your clients stay informed, and recently assisted a small PA Community Bank with electronically making midyear plan changes (only allowed due to COVID-19) across their nine different locations.

You have enough on your plate; let URL Insurance Group help you navigate the challenging road ahead. The leaders of our Health Plan Options team are the vice president and legislative chair for the Central Pennsylvania Association of Health Underwriters and serve on various advisory boards. That means they are the first to know about upcoming changes, as well as offering their insights and ideas on how to improve the industry for you and your clients. We look forward to connecting with you. 


Justin Miller, Health Plan Options, Sales Specialist, URL Insurance

Direct: 717.216.8081, Phone: 717.540.5690 x128,
Fax: 717.540.5628, Web:,
Address: 500 Nationwide Drive, Harrisburg, PA 17110

This story appears in 2020 Issue 8 of the Hometown Banker Magazine.

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