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Lumity clients was
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Recorded Monday, 5/24/21. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan walked employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in Notice2021-31
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
HOW TO CHOOSE BETWEEN AN HMO AND A HIGH-DEDUCTIBLE HEALTH For 2018, the out-of-pocket maximum is $6,650 for individuals and $13,300 for a family. The insurance plan may offer some services for "free" (included as part of your plan) or with a deductible that is lower than the annual deductible: Wellness and preventive care, such as visits related to prenatal and child wellness care. DOMESTIC PARTNERSHIPS, CIVIL UNIONS, AND HEALTH INSURANCE Typically, a party in a domestic partnership or civil union is defined as an unmarried partner of an employee who has lived with the employee for at least a year, is not related by blood to the employee, is 18 or older, and is financially interdependent with the employee. Coverage for such a party extends to the partner’s children. WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Recorded Monday, 5/24/21. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan walked employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in Notice2021-31
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
HOW TO CHOOSE BETWEEN AN HMO AND A HIGH-DEDUCTIBLE HEALTH For 2018, the out-of-pocket maximum is $6,650 for individuals and $13,300 for a family. The insurance plan may offer some services for "free" (included as part of your plan) or with a deductible that is lower than the annual deductible: Wellness and preventive care, such as visits related to prenatal and child wellness care. DOMESTIC PARTNERSHIPS, CIVIL UNIONS, AND HEALTH INSURANCE Typically, a party in a domestic partnership or civil union is defined as an unmarried partner of an employee who has lived with the employee for at least a year, is not related by blood to the employee, is 18 or older, and is financially interdependent with the employee. Coverage for such a party extends to the partner’s children. WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration.EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Recorded Monday, 5/24/21. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan walked employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in Notice2021-31
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. WORKPLACE WELLNESS: BENEFITS OF EXERCISE IN THE Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores. No. 5: Exercise promotes better sleep. Another reason for low energy levels during the working day may be A REVIEW OF THE NEW IRS GUIDANCE ON COBRA SUBSIDIES On May 18, 2021, the IRS issued the COBRA subsidy guidance we’ve all been waiting for. Notice 2021-31 provides guidance on employer tax breaks under the American Rescue Plan Act (ARPA) for continuation health coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA).. The guidance includes: Information regarding the calculation of the credit, EMPLOYERS, DOMESTIC PARTNERSHIPS, AND THE IRS 2. Domestic partner coverage is deducted as an after-tax deduction--unless the partner meets the IRS criteria for a qualifying relative under Code §152, as modified by §105 (b). FMV of employer contribution to premium attributable to: 3. Employee coverage is excluded from income as per Internal Revenue Code §61. 6 WAYS EMPLOYERS CAN CUT COSTS, NOT BENEFITS 6 Ways to Cut Healthcare Costs. 1. Get visibility into your group's health needs. A strong benefits consultant will be able to analyze your spending, and a strong broker will be able to negotiate the best rates from that insight. JOB DESIGN: THE MISSING LINK FOR EMPLOYEE WELL-BEING Here are the steps HR professionals can take: 1. Engage decision makers and leaders. These individuals need to be part of the job design process in order to embrace the results. Before anything else, educate them about the importance of good job EVIDENCE OF INSURABILITY (EOI) Evidence of Insurability (EOI) You need to fill out an Evidence of Insurability (EOI) form if you are requesting amounts of voluntary life insurance above the guarantee issue amount. The form asks you questions about your health and any medical conditions you may have. An EOI application requires review and approval by the carrier before WHAT IS AN EXPLANATION OF BENEF An Explanation of Benefits is an important part of your healthcare records. At a minimum, keep it until your bill is paid and your claim is settled. But, keep in mind, you may need to keep it longer as part of your tax records. An EOB contains your Protected Health Information, so if you do throw it away, take steps to protect yoursensitive
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
WORKPLACE WELLNESS: BENEFITS OF EXERCISE IN THE Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores. No. 5: Exercise promotes better sleep. Another reason for low energy levels during the working day may be WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
6 WAYS EMPLOYERS CAN CUT COSTS, NOT BENEFITS 6 Ways to Cut Healthcare Costs. 1. Get visibility into your group's health needs. A strong benefits consultant will be able to analyze your spending, and a strong broker will be able to negotiate the best rates from that insight. HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
DO YOU KNOW HOW TO COUNT FMLA ELIGIBILITY HOURS? Any worker on payroll can count towards the 50 employee threshold and the 75 miles is worked out by the shortest route from worksite to home. Have at least 1250 hours of service for the employer during the 12-month period immediately before the date the leave is due to start. This averages to about 24 hours a week. HOW TO CHOOSE BETWEEN AN HMO AND A HIGH-DEDUCTIBLE HEALTH For 2018, the out-of-pocket maximum is $6,650 for individuals and $13,300 for a family. The insurance plan may offer some services for "free" (included as part of your plan) or with a deductible that is lower than the annual deductible: Wellness and preventive care, such as visits related to prenatal and child wellness care. WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
WORKPLACE WELLNESS: BENEFITS OF EXERCISE IN THE Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores. No. 5: Exercise promotes better sleep. Another reason for low energy levels during the working day may be WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
6 WAYS EMPLOYERS CAN CUT COSTS, NOT BENEFITS 6 Ways to Cut Healthcare Costs. 1. Get visibility into your group's health needs. A strong benefits consultant will be able to analyze your spending, and a strong broker will be able to negotiate the best rates from that insight. HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
DO YOU KNOW HOW TO COUNT FMLA ELIGIBILITY HOURS? Any worker on payroll can count towards the 50 employee threshold and the 75 miles is worked out by the shortest route from worksite to home. Have at least 1250 hours of service for the employer during the 12-month period immediately before the date the leave is due to start. This averages to about 24 hours a week. HOW TO CHOOSE BETWEEN AN HMO AND A HIGH-DEDUCTIBLE HEALTH For 2018, the out-of-pocket maximum is $6,650 for individuals and $13,300 for a family. The insurance plan may offer some services for "free" (included as part of your plan) or with a deductible that is lower than the annual deductible: Wellness and preventive care, such as visits related to prenatal and child wellness care. WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Recorded Monday, 5/24/21. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan walked employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in Notice2021-31
SUCCESS STORIES
The Linux Foundation Saves Money During Their PEO Migrations. “ Lumity made it easy for us to migrate off Trinet, saved us 37% in apples-to-apples coverag ”. View Case Study.RENEWALS | LUMITY
Introducing Lumity’s. Health Plan. Marketplace. Transparent. Data-Driven. Carrier Agnostic. A (finally) transparent health plan renewal. How You Benefit. Gain control over your renewal strategy, and bring financial accountability to one of your largest corporate expenses and employee investments. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
6 WAYS EMPLOYERS CAN CUT COSTS, NOT BENEFITS 6 Ways to Cut Healthcare Costs. 1. Get visibility into your group's health needs. A strong benefits consultant will be able to analyze your spending, and a strong broker will be able to negotiate the best rates from that insight. EMPLOYERS, DOMESTIC PARTNERSHIPS, AND THE IRS 2. Domestic partner coverage is deducted as an after-tax deduction--unless the partner meets the IRS criteria for a qualifying relative under Code §152, as modified by §105 (b). FMV of employer contribution to premium attributable to: 3. Employee coverage is excluded from income as per Internal Revenue Code §61. HAVE YOU OUTGROWN YOUR PEO? There’s a tipping point when using a professional employer organization (PEO) no longer makes sense. As you grow past 50 or 100 employees (depending on your state’s definition of a large group employer), the convenience model breaks down.PEO - LUMITY
Are You Ready for the New PEO Law? On December 16, 2014, Congress passed the Small Business Efficiency Act (SBEA) and on January 1 of this year it formally took effect. Delays by the IRS have halted the new law but employers across the nation are expecting to see implementation j May 31, 2016. DOMESTIC PARTNERSHIPS, CIVIL UNIONS, AND HEALTH INSURANCE Typically, a party in a domestic partnership or civil union is defined as an unmarried partner of an employee who has lived with the employee for at least a year, is not related by blood to the employee, is 18 or older, and is financially interdependent with the employee. Coverage for such a party extends to the partner’s children. A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
PEO - LUMITY
Are You Ready for the New PEO Law? On December 16, 2014, Congress passed the Small Business Efficiency Act (SBEA) and on January 1 of this year it formally took effect. Delays by the IRS have halted the new law but employers across the nation are expecting to see implementation j May 31, 2016. EVIDENCE OF INSURABILITY (EOI) WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
PEO - LUMITY
Are You Ready for the New PEO Law? On December 16, 2014, Congress passed the Small Business Efficiency Act (SBEA) and on January 1 of this year it formally took effect. Delays by the IRS have halted the new law but employers across the nation are expecting to see implementation j May 31, 2016. EVIDENCE OF INSURABILITY (EOI) WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Monday, May 24 at 11a PT | 2p ET. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan will walk employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in NoticeRENEWALS | LUMITY
Introducing Lumity’s. Health Plan. Marketplace. Transparent. Data-Driven. Carrier Agnostic. A (finally) transparent health plan renewal. How You Benefit. Gain control over your renewal strategy, and bring financial accountability to one of your largest corporate expenses and employee investments. WORKPLACE WELLNESS: BENEFITS OF EXERCISE IN THE Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores. No. 5: Exercise promotes better sleep. Another reason for low energy levels during the working day may beEMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. WHAT'S THE DIFFERENCE BETW Think of premiums as your "membership dues." Deductible: out-of-pocket amount you must pay for health care in a plan year before insurance kicks in and starts paying. Once you hit your deductible amount, your insurer pays a larger portion of charges. Out-of-Pocket Maximum/Limit: in each plan year, there's a limit to how much you may have to pay EVIDENCE OF INSURABILITY (EOI) Evidence of Insurability (EOI) You need to fill out an Evidence of Insurability (EOI) form if you are requesting amounts of voluntary life insurance above the guarantee issue amount. The form asks you questions about your health and any medical conditions you may have. An EOI application requires review and approval by the carrier before FAQS | LUMITY KNOWLEDGE BASE Answers to common employer benefits questions. An Employee Assistance Program (EAP) is a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-relatedproblems.
THE IMPORTANCE OF STAYING IN-NE The Importance of Staying In-Network. Make sure you use doctors and service providers that are in-network: It will significantly reduce your out-of-pocket medical expenses, and. Ensure any costs you incur are applied towards your plan's deductible and out-of-pocket maximum (out-of-network costs don't count). WHAT IS AN EXPLANATION OF BENEF An Explanation of Benefits is an important part of your healthcare records. At a minimum, keep it until your bill is paid and your claim is settled. But, keep in mind, you may need to keep it longer as part of your tax records. An EOB contains your Protected Health Information, so if you do throw it away, take steps to protect yoursensitive
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
PEO - LUMITY
Are You Ready for the New PEO Law? On December 16, 2014, Congress passed the Small Business Efficiency Act (SBEA) and on January 1 of this year it formally took effect. Delays by the IRS have halted the new law but employers across the nation are expecting to see implementation j May 31, 2016. EVIDENCE OF INSURABILITY (EOI) WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
EMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
PEO - LUMITY
Are You Ready for the New PEO Law? On December 16, 2014, Congress passed the Small Business Efficiency Act (SBEA) and on January 1 of this year it formally took effect. Delays by the IRS have halted the new law but employers across the nation are expecting to see implementation j May 31, 2016. EVIDENCE OF INSURABILITY (EOI) WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Monday, May 24 at 11a PT | 2p ET. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan will walk employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in NoticeRENEWALS | LUMITY
Introducing Lumity’s. Health Plan. Marketplace. Transparent. Data-Driven. Carrier Agnostic. A (finally) transparent health plan renewal. How You Benefit. Gain control over your renewal strategy, and bring financial accountability to one of your largest corporate expenses and employee investments. WORKPLACE WELLNESS: BENEFITS OF EXERCISE IN THE Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores. No. 5: Exercise promotes better sleep. Another reason for low energy levels during the working day may beEMPLOYEE BENEFITS
employee benefits. How We Work. Renewal Strategy. Leverage a data-driven, carrier-agnostic approach. Online Benefits Portal. A seamless digital benefits experience – ideal for modern distributed workforces. Year-Round Support. We partner with your People Team and integrate with your workflows. PEO Migration. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. WHAT'S THE DIFFERENCE BETW Think of premiums as your "membership dues." Deductible: out-of-pocket amount you must pay for health care in a plan year before insurance kicks in and starts paying. Once you hit your deductible amount, your insurer pays a larger portion of charges. Out-of-Pocket Maximum/Limit: in each plan year, there's a limit to how much you may have to pay EVIDENCE OF INSURABILITY (EOI) Evidence of Insurability (EOI) You need to fill out an Evidence of Insurability (EOI) form if you are requesting amounts of voluntary life insurance above the guarantee issue amount. The form asks you questions about your health and any medical conditions you may have. An EOI application requires review and approval by the carrier before FAQS | LUMITY KNOWLEDGE BASE Answers to common employer benefits questions. An Employee Assistance Program (EAP) is a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-relatedproblems.
THE IMPORTANCE OF STAYING IN-NE The Importance of Staying In-Network. Make sure you use doctors and service providers that are in-network: It will significantly reduce your out-of-pocket medical expenses, and. Ensure any costs you incur are applied towards your plan's deductible and out-of-pocket maximum (out-of-network costs don't count). WHAT IS AN EXPLANATION OF BENEF An Explanation of Benefits is an important part of your healthcare records. At a minimum, keep it until your bill is paid and your claim is settled. But, keep in mind, you may need to keep it longer as part of your tax records. An EOB contains your Protected Health Information, so if you do throw it away, take steps to protect yoursensitive
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Monday, May 24 at 11a PT | 2p ET. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan will walk employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in Notice WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
EVIDENCE OF INSURABILITY (EOI) WHAT IS AN EXPLANATION OF BENEF WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
A MODERN SOLUTION FOR BETTER BENEFITS Deliver a better benefits experience. “Stemming costs of providing insurance coverage, administering benefts programs, and limiting employee out-of-pocket costs remain among the top 5 benefts objectives. “. “The average health plan renewal cost in 2018 forLumity clients was
EVENTS AND WEBINARS
Upcoming Lumity. events and webinars. Upcoming Events & Webinars. On-Demand Webinars. Monday, May 24 at 11a PT | 2p ET. COBRA Subsidies: A Review of the New IRS Guidance. Benefits compliance attorney Marilyn Monahan will walk employers through the COBRA provisions contained in the American Rescue Plan Act, the new IRS guidance issued in Notice WORKPLACE WELLNESS: COMBAT FATIGUE IN THE WORKPLACE Encourage employees to eat nutritiously, exercise regularly, and limit their consumption of alcohol, tobacco and caffeine. Caffeine consumption late at night and being glued to electronic devices just before bedtime can affect both the quantity and quality of sleep. Change the Environment. General changes in the workplace can alsoeffectively
OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. HSA RECEIPT DOCUMENTATION Recordkeeping Requirements. Good recordkeeping avoids future tax headaches. Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense. The only time you don't need a receiptshowing
THE HAZARDS OF MAKING A HEALTH PLAN EXCEPTION Doing so may lead to the following: 1. Cancellation of your group health insurance plan, 2. Disqualification of your cafeteria plan, and/or. 3. Opening the door for litigation or claims of discrimination. For these reasons, Lumity strongly recommends you never make an exception outside a defined enrollment window, unless itis based on a
WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
EVIDENCE OF INSURABILITY (EOI) WHAT IS AN EXPLANATION OF BENEF WHAT IS A QUALIFYING LIFE EVENT A QLE is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a special enrollment period. You have 30 days from the date of your qualifying event to submit your requested change to Human Resources (or your benefits administrator). You will be asked to include: Thedate
ONLINE BENEFITS PORTAL Digitized Invoices, Across All Carriers. See a snapshot of your carrier invoices, including current versus retroactive amounts, on a month-to-month basis for finance and accounting. Built in employee surveys for more customized input into benefits coverage and quality. Benchmarked cost curves for ‘like’ companies in your size andindustry.
RENEWALS | LUMITY
Introducing Lumity’s. Health Plan. Marketplace. Transparent. Data-Driven. Carrier Agnostic. A (finally) transparent health plan renewal. How You Benefit. Gain control over your renewal strategy, and bring financial accountability to one of your largest corporate expenses and employee investments. DO YOU KNOW HOW TO COUNT FMLA ELIGIBILITY HOURS? Any worker on payroll can count towards the 50 employee threshold and the 75 miles is worked out by the shortest route from worksite to home. Have at least 1250 hours of service for the employer during the 12-month period immediately before the date the leave is due to start. This averages to about 24 hours a week. OUT-OF-NETWORK CARE: WHAT YOU NEED TO KNOW ABOUT IT A HSA is an account that you can use to pay for certain out-of-network health expenses. You can open an HSA if you are enrolled in a qualified high-deductible health plan (HDHP). A HDHP is subject to change at the direction of the IRS. In 2017, the deductible limit for a single person is $1,300. HAVE YOU OUTGROWN YOUR PEO? There’s a tipping point when using a professional employer organization (PEO) no longer makes sense. As you grow past 50 or 100 employees (depending on your state’s definition of a large group employer), the convenience model breaks down. WORKPLACE WELLNESS: 5 COMPANIES GETTING IT RIGHT Employees are encouraged to look after their wellness with a full health package that includes physician house calls, paid gym memberships, and on-campus perks that include a spa, sports fields, banks, dry cleaning services, salons, shops, and numerous restaurants. Glassdoor Benefits Rating: 4.4. Twitter believes the way to theiremployee's
EMPLOYERS, DOMESTIC PARTNERSHIPS, AND THE IRS 2. Domestic partner coverage is deducted as an after-tax deduction--unless the partner meets the IRS criteria for a qualifying relative under Code §152, as modified by §105 (b). FMV of employer contribution to premium attributable to: 3. Employee coverage is excluded from income as per Internal Revenue Code §61. WHAT ARE MY PLAN OPTIONS? Advantages of HMOs are less paperwork, lower costs, and more coordination between providers. POS – Point-of-Service (in-network and out-of-network coverage): This plan model is a hybrid of the other three. You must select a primary care physician who handles your referrals, but they may refer you to a specialist that is out-of-network unlike EVIDENCE OF INSURABILITY (EOI) Evidence of Insurability (EOI) You need to fill out an Evidence of Insurability (EOI) form if you are requesting amounts of voluntary life insurance above the guarantee issue amount. The form asks you questions about your health and any medical conditions you may have. An EOI application requires review and approval by the carrier before WHAT IS AN EXPLANATION OF BENEF An Explanation of Benefits is an important part of your healthcare records. At a minimum, keep it until your bill is paid and your claim is settled. But, keep in mind, you may need to keep it longer as part of your tax records. An EOB contains your Protected Health Information, so if you do throw it away, take steps to protect yoursensitive
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