Policies

Get Benefits is a full-service agency providing insurance for businesses and individuals. In order to meet the need of all of our clients, we offer a wide range of insurance policies that provide you with the security and protection you need. As an independent insurance agency, we are not limited to any one company or any one insurance type. If you are in need of any type of insurance policy, please contact us as we have access to all insurance policies.

Below is a partial list of the insurance policies that we offer.

  • Employee Benefits
    • Health
    • Dental
    • Vision
    • Disability
    • Life Insurance
    • Accident and Critical Illness
  • Worker’s Compensation
  • General Liability
  • Building Property Insurance
  • Professional Liability
  • Cyber Liability
  • Commercial Auto
  • Directors & Officers Coverage
  • Product Liability
  • Sexual Abuse and Molestation
  • Event Coverage
  • Home Insurance
  • Earthquake Insurance
  • Flood Insurance
  • Rental Property Coverage
  • Auto Insurance
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Long Term Care Insurance
  • Disability Insurance

Privacy

We take pride in guarding your privacy. We are committed to protecting the privacy and security of your personal and financial data.

We provide products and services that involve private and sensitive data. Guarding and keeping it safe is vital to us. This notice explains our data policies and practices. First, we want you to know how we collect, store and protect your data. Second, we want to inform you about our data sharing policies. We do this because you are a valued customer.

We collect only the minimum data required to deliver products and services to you. The data we collect varies with the type of product you request and may include:

  • Application Data -Data you give us or the insurers we represent. The data may change depending upon the type of policy you purchase.
  • Employer Data -Data from your employee benefit plan administrator on any group products we may provide.
  • Transaction and Experience Data -Data about your contacts with us and our business partners.

We limit how, when and where we share your data.

We do not sell your personal or financial data to anybody. We do not disclose your data or former customer data for marketing purposes.

We do not share your medical data for any purpose other than to complete a matter requested by you or if it is required by law.

We do not share customer data with anyone unless required or allowed by law. We share only the data that is needed to complete the matter or service. We may disclose all the data described above under limited circumstances.

When legally possible, we require those we share data with to maintain its security.

We maintain physical, electronic, and administrative safeguards to insure the protection of data. Only agents and administrative persons have access to data. We have installed physical and electronic measures such as virus and firewall protection and other means to protect your data. We protect your data and ensure all staff know that it is their duty to protect your data.

You have the right to access, copy, review, and request correction of the data we collect and maintain.

We will renew this policy to you in writing yearly. We may change our privacy policies and practices from time to time. These changes may be a result of new laws or regulations, court rulings, changing business practices etc. If we do make material changes, we will notify you prior to making them. You can contact our office and get a copy of our latest privacy policy.

You are required to have access to this disclosure as a requirement of California Insurance Code Sections 791 – 791.27, the Insurance Information and Privacy Protection Act (IIPPA).


Partnership

The service we provide to you is a partnership. In this partnership, you manage the day-to-day operations of your business, and we manage the servicing and administration of your insurance benefits. Insurance premiums are set by each individual carrier and approved by the Department of Insurance. The final rates that are approved by the Department of Insurance include the cost of care, local and federal taxes and fees, and the service and administration of the insurance benefits. These final rates are approved by the Department of Insurance without regard to who provides the servicing of the insurance benefits. What this means is that your insurance premiums are not impacted when we provide you with our services and would remain the same whether you worked with an insurance agent, or you worked directly with the insurance carrier, or both. Therefore, the services we provide are at no additional cost to you and the insurance carriers we represent compensate us directly when we act as your agent.

In addition to managing the servicing and administration of your insurance benefits, we also provide the following services to our valued Clients:

  • Expert advice on all insurance products, whether we are the agent of record or not.
  • Access to a Human Resources database of forms and information to ease the management of your day-to-day operations.
  • Assistance with adding or terminating coverage for all employees as well as guiding your employees through reviewing their plan options.
  • Processing changes, resolving billing disputes, claims guidance, and all other policy administration.
  • Online enrollment/onboarding management and facilitation as requested.
  • Compliance tools and guidance for required ERISA, Cobra, and FMLA notifications, and more.

As directed by Section 202 of the Consolidated Appropriations Act, 2021 (“CAA”), we are required to inform our clients of the approximate amount of compensation we receive for our services. Should you have any questions about any of the information above, or the information contained within the below disclosure, please don’t hesitate to contact our office at (805) 273-7117.

Broker Compensation Disclosure Requirements

Section 202 of the Consolidated Appropriations Act, 2021 (“CAA”), requires entities providing brokerage and consulting services (referred to collectively as “covered service providers”), including their affiliates and subcontractors, who expect to receive $1,000 or more in direct or indirect compensation, to provide plan fiduciaries with a written disclosure “reasonably in advance of” when the contract is entered, extended, or renewed. The effective date of the requirement is December 27, 2021 and applies to contracts executed on or after December 27, 2021.

Disclosures are required to include:

  • A description of the services to be provided to the covered plan pursuant to the contract.
  • Where applicable, a statement that the covered service provider (or their affiliate or subcontractor) will provide or reasonably expects to provide services directly to the covered plan as a fiduciary.
  • A description of all direct compensation, either in the aggregate or by service, the covered service provider (or their affiliate or subcontractor) reasonably expects to receive from the covered plan in connection with services provided under the contract.
  • A description of all indirect compensation, including compensation from a vendor to a brokerage firm based on a structure of incentives not solely related to the contract with the covered plan that the covered service provider reasonably expects to receive in connection with services provided under the contract. Indirect compensation excludes any compensation received by an employee from an employer. Further compensation from the covered service provider (or their affiliate), the covered plan, or the plan sponsor is not indirect compensation.

In addition to the above, for any indirect compensation, the disclosure must also include:

  • A description of the arrangement between the payer and covered service provider (or their affiliate or subcontractor) pursuant to which indirect compensation is paid;
  • Identification of the services for which the indirect compensation will be received, if applicable; and
  • Identification of the payer of indirect compensation.
  • A description of any compensation provided on a transaction basis (such as commissions, finder’s fees, or other similar incentive compensation based on business placed or retained) that will be paid among the covered service provider (or their affiliate or subcontractor) in connection with the services provided under the contract. This should include an identification of the services for which such compensation will be paid and identification of the payers and recipients of such compensation as well as the status of a payer or recipient as an affiliate or a subcontractor, regardless of whether such compensation also is disclosed pursuant to any other provision.
  • A description of any compensation that the covered service provider (or their affiliate or subcontractor) reasonably expects to receive in connection with termination of the contract or arrangement, and how any prepaid amounts will be calculated and refunded upon such termination.
  • A description of the manner in which such direct or indirect compensation will be received.

Compensation may be expressed in a monetary amount, formula, or per capita charge based on enrollment counts, or another reasonable method if it cannot reasonably be expressed in one of the other manners. If additional compensation can be earned, but it is not calculable at the time of the contract, then the disclosure must include a description of the circumstances under which the additional compensation may be earned and a reasonable, good faith estimate if the covered service provider cannot readily describe compensation or cost and explains the methodology or assumptions used to prepare their estimate.

In addition to the above, the covered service provider must update its disclosures:

  • Within 60 days of being informed of a change to the information already disclosed (or as soon as practicable if disclosure is precluded due to circumstanced beyond the covered service provider’s control)
  • To correct any inadvertent errors or omissions within 30 days of discovering the error or omission

Further, covered service providers must provide its disclosure within 90 days of a written request by the plan fiduciary.

Broker Compensation Disclosure Form

The following constitutes Get Benefits Insurance Services Inc. (the “Company”) disclosure of direct and indirect compensation the Company will receive or reasonably expects to receive on an annualized basis for the period of January 1 through December 31 each year, in connection with the below referenced services it provides to the clients of Get Benefits Insurance Services, Inc. (the “Client” or “you”):

  • Expert advice on all insurance products, whether we are the agent of record or not.
  • Access to a Human Resources database of forms and information to ease the management of your day-to-day operations.
  • Assistance with adding or terminating coverage for all employees as well as guiding your employees through reviewing their plan options.
  • Processing changes, resolving billing disputes, claims guidance, and all other policy administration.
  • Online enrollment/onboarding management and facilitation as requested.
  • Compliance tools and guidance for required ERISA, Cobra, and FMLA notifications, and more.

The Company does not provide the above-referenced services to Client in the capacity of a plan fiduciary. The Company reasonably expects to receive direct compensation for the placement of the below lines of coverage in the form of a commission paid by the carrier or vendor, in the amount indicated below:

Coverage LineCarrier/Vendor/Fee AgreementPEPM, Standard Commission, Commission Schedule, or Compensation Calculation
Employee Medical BenefitsVarious Insurance carriers including but not limited to Anthem Blue Cross, Blue Shield of California, Health Net (Centene), United Healthcare, Aetna, California Choice, Cigna+Oscar, KaiserStandard Commission: 5%
Fee: none
Employee Dental BenefitsVarious Insurance carriers including but not limited to Anthem Blue Cross, Blue Shield of California, Health Net (Centene), United Healthcare, Aetna, Delta Dental, Humana, Principal, Met LifeStandard Commission: 10%
Fee: none
Employee Vision BenefitsVarious Insurance carriers including but not limited to Anthem Blue Cross, Blue Shield of California, Health Net (Centene), United Healthcare, Aetna, VSP, Humana, Principal, Met LifeStandard Commission: 10%
Fee: none

Indirect Compensation

In addition to the above, the Company reasonably expects to receive the following indirect compensation:

Description of Indirect CompensationAmount of, or Description of Calculation for, Indirect CompensationServices for Which Indirect Compensation Will be ReceivedPayer of Indirect Compensation
Company has no expectations of any indirect compensationN/AN/AN/A

Other Compensation

The Company may earn additional compensation from any of the above referenced insurers, vendors, or other third parties that cannot be calculated as of the time this disclosure is made to you, or prior to the date the Company’s executed, extended, or renewed contract with you is effective. For example, the Company may receive additional compensation contingent upon certain conditions being met, including, but not limited to, profitability, growth, churn/retention, or the volume of services provided. Compensation may be in the form of additional commissions, bonuses or benefits (“compensation”). Furthermore, we may receive corporate sponsorships for webinars, training or other programming we provide for you and other clients, or for our own internal trainings. Whether we receive any of the above referenced compensation, or how much that compensation may be, cannot be discerned at this time.

Should you have any questions about any of the above information or require additional information, please don’t hesitate to contact Get Benefits Insurance Services, Inc. by phone at (805) 273-7117 or by clicking here to send us a message.