About rjoyner

Ric Joyner, CEBS, GBA, CFCI Customer Experience Officer Ric is a founder of eflexgroup.com a national web based TPA for Cafeteria, HRA, HSA, Transit, VEBA and COBRA plans. eflexgroup is a leader in self-service employee benefit systems. eflexgroup was the first TPA in the industry to go “online” in 1999 allowing employees to self-serve 24 hours per day. He has lead the industry with eflex by placing provable customer service statistics, live, on eflexgroup.com Ric is celebrating his 32nd year employee benefits. He helped create TPAs such as TASC and Employee Benefits Corporation in Madison WI. He was a licensed insurance agent for 29 years. The designations Mr. Joyner holds are; Certified Employee Benefits Specialist, Group Benefit Associate, Certified Flexible Compensation Instructor, board approved by ASPA to teach Cafeteria Plan regulations. Ric also has a bachelors of science in Information Technology and MBA (emphasis is project management) and graduated summa cum laude from Capella University with a 4.0. Ric helped found the National Association of Professional Benefit Administrators (NAPBA.org). NAPBA is dedicated to training administrators in best practices and grass roots lobbying. Ric has served in the past as the Wisconsin Association of Health Underwriters State President in 2003. Ric is a frequent speaker and article writer for prestigious associations such as NAHU.org, NAPBA.org, Wisconsin SHRM, Austin SHRM, PACE.org, International Foundation of Employee Benefits, Tampa Bay AHU, WI AHU, Florida AHU, Florida NAIFA and participates on the List Serves (compliance programs for Consumer Driven Products of NAHU and International Foundation of Employee Benefits)
Author Archive | rjoyner

DOL Releases Guidance On Model Exchange Notice and Model COBRA Election Notice

From the Desk of Larry Grudzien May 9, 2013 Yesterday, the Department of Labor released Technical Release 2013-02.  It provided guidance for the Model Exchange Notice and the Model COBRA Election Notice.  A copy of Technical Release 2013-02 follows: I. Introduction Many provisions of the Patient Protection and Affordable Care Act (Affordable Care Act) that [...]

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How VEBA / HRAs will work under the Affordable Care Act in 2014 and beyond.

  In light of the Affordable Care Act prohibition against health plans with an annual dollar limit on essential benefits, which takes effect in the plan year beginning on or after January 1, 2014, there have been concerns about whether Health Reimbursement Arrangements (HRAs) will be permissible in 2014 and after. The three federal agencies [...]

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The unexpected benefits of effective benefits education; research offers clear guidance on what works and why

The unexpected benefits of effective benefits education; research offers clear guidance on what works and why By Richard F. Stolz We all know employees can’t appreciate benefits they don’t understand. But not everyone realizes how strongly linked good benefits education is to the way employees feel about their employers and their financial security. Once those [...]

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Are The Health Law’s Coverage Requirements Scaling Back Some Restaurants’ Expansion Plans?

Eateries Fear Health Law’s Bite Franchisees Try to Stay Below Insurance Threshold; White Castle Slows Its Expansion By JULIE JARGON Some restaurant operators are scaling back expansion plans because of uncertainty about the expense of insuring employees under the new federal health-care law. The concerns are especially acute among smaller operators who are more likely to [...]

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Four Myths about Private Health-Care Exchanges

Four Myths about Private Health-Care Exchanges Health Benefits | May 03, 2013 | CFO.com | US They’re not as cost-predictable as you think, you can’t use them to provide nongroup coverage, and offering dental and other ancillary benefits through them may be risky. David McCann For all the hoopla in the past year about private [...]

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