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Vince Luce Administrator & Village Clerk - Village of Westfield

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“Donna Thompson and the folks at Integrated Benefits Solutions (IBS) have assisted me and my management team at the Village of Westfield for almost 20 years. Among other things, IBS continuously helps us weave through the regulations and the requirements and at all times they’ve been able to help us maintain excellent health insurance coverage at very affordable levels. We view our commitment as two-fold: we want to keep and retain great employees but at costs that our community can live with. Donna and her team help us bridge that ever widening gap every year.”

Laura Shearer HR Administrator - Renold Incorporated

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"Integrated Benefit Solutions has worked with Renold Inc. for many years. We are a heavy manufacturing company located in Westfield, NY, with about 80 full time employees. Donna and her staff are dedicated and efficient with shopping the market each year to make sure we are getting the best coverage and rates for our employees. They make you feel like you are their only client and respond quickly to questions. I would recommend Integrated Benefit Solutions to any company that is looking for this type of service."

Tammy McCool Administrator - WCA Home

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"The WCA Home is a Not for Profit, Assisted Living Facility. We employ around 40 individuals. Remaining affordable while meeting our Mission has become challenging as cost continue to rise. Health insurance is one of those benefits the WCA Home is committed to offer our dedicated staff. Through the help, guidance, assistance and expertise of Donna Thompson, the WCA Home saved greatly by going with Integrated Benefit Solutions. Their willingness to meet with every employee, to find what coverage fits their needs best, was a huge benefit for the WCA Home's administration staff! I highly recommend Integrated Benefit Solutions for all your health insurance needs."

Jeffrey McCheskey Executive Director - Jamestown Housing Authority

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"Taking advantage of Integrated Benefit Solutions' expertise in the health and wellness area is, by far, the best money we've "never" spent. I just wish Donna and her staff were available for the rest of life's bumps in the road!"

To all of our current and future clients, we simply want to say:

Related Info

Typical Vision Coverage*
Deductible: $20/$20 Annual Limit: $130 per person Network Type: PPO In/Out Network Coverage? No Well Exam: Covered at 100% Allowance (choice of): Frames: $130 off retail 20% off any amount above retail Contacts: $130 off retail 15% off contact lens exam services

2023 DOL Penalties

Civil Penalty/Monetary Penalty Description and ERISA Penalty Statute Section	New Maximum Penalty Effective Jan. 15, 2023
Failure to furnish statement of benefits to former retirement plan participants	$33/employee
Failure or refusal to file annual report (Form 5500)	$2,400/day
Failure to furnish employee benefit plan documents to DOL upon request	$171/day (but no greater than $1,713 per request)
Failure by employer to inform employees of Medicaid/CHIP coverage opportunities.	$127/day/employee
Failure of group health plan's plan administrator to provide state with timely coverage coordination disclosure form for Medicaid/CHIP eligible individuals.	$127/day/participant or beneficiary
Failure to provide Summary of Benefits Coverage to participant or beneficiary of group health plan	$1,190/participant or beneficiary
For a complete list of ERISA penalties click here.

2023 Contribution Limits
401(k), 403(b), 457: $22,500 401(k) Catch up: $7,500 Traditional & Roth IRA's: $6,500 IRA Catch up: $1,000 SIMPLE Plans: $15,500 SIMPLE Catch up: $3,500
Typical Short-term Policy*
Covers: Illness, Injury, Other Waiting Period: 0 - 30 days Coverage Period: Up to 1 year Payout: Up to 60% of earnings Plan Funding: Employee or Employer (Post tax so benefit isn't taxed)