October 10: Our offices will be
closed for Columbus Day
October 31: Happy Halloween
& 25: Our offices will be closed for Thanksgiving
You Know . . .
. . . You can streamline your
commuter program and add revenue?
> Quick Implementation
> All Major Metro Areas Covered
> Fully Automated
. . . We can manage your HIRD
Are you complying
with your 30-day deadlines?
> After Open Enrollment
> New hires who turn
> Employees who drop coverage
Our process is designed to distribute, track and store Employee HIRD Forms
so that you don't have to.
For more information about any of our services, please contact Jean
Sicurella via email or call 617-630-0496.
A Team Roster
We use a client-centered team approach to best meet
your needs. For your team roster, please email us here.
Servings Volunteer Outing
Crosby Employees Take Time To
In September, several Crosby
employees donated their time to the volunteer program Community
Servings, a non-profit organization located in Jamaica Plain.
Community Servings provides healthy and nutritious meals to
individuals and families residing in the greater Boston area living
with critical and chronic illnesses. The goal of the program is to
help those in need maintain their independence by delivering meals
Crosby volunteers learned about the organization and safe food
handling and then prepared meals in an assembly-line fashion, with
each person at their own station. Strict cleanliness precautions were
followed, as many Community Servings recipients have compromised
immune systems. Some volunteers assisted by adding a protein, starch
or vegetable dish to meal containers while others sealed packages
that would be frozen and delivered at a future time.
There are many ways to
contribute to Community Servings, including meal preparation,
packaging and/or delivery and food or monetary donations. Beginning
in October, Community Servings will have its 14th annual "Pie in
the Sky" pie sale. Pies will be sold for $25; proceeds from the
sale of one pie will help feed an individual for one week. To learn
more about the Pie in the Sky pie sale, you may visit pieinthesky.org
or visit the Community
Servings website about how you can help.
Everyone at Crosby who
volunteered had a fantastic time working with Community Servings. We
are excited about future volunteer opportunities with Community
Servings and other local organizations.
Debit Card Pay-And-Chase Process
You Can Do If A Claim Goes Unsubstantiated
Following a plan year, there are
usually a number of debit card transactions that are not properly
adjudicated due to the lack of any or acceptable substantiation. In
general, the following "pay-and-chase" processes are
followed (in the order shown) to satisfy plan requirements for
recouping outstanding monies for claims not paid correctly from a
Repayment: Participants are notified that outstanding
substantiation is required and offered several ways, including
offsetting transactions with eligible claims or repayments.
2. Deny Access to the Card
until payments are recovered. Participants are still able to submit
for reimbursement by submitting paper claims.
If the participant does not repay the amount, employers may withhold the improper
payment amount from the participant's paycheck. Please
note that this method should be summarized in your plan document and
it is recommended that you confirm with your legal counsel to
determine whether state law permits this action.
An employer may treat
the payment as other business indebtedness if no
action is taken by the participant.
off the amount: If all of the above steps
have been taken but have proved unsuccessful, then the employer may
write off the improper amount.
reporting on outstanding debit card transactions can be run from the
Reports page on the Reimbursement Portal. If you'd like to learn how
to Access this information or how to run these reports, please email Darla Rosenfeld, Linda
Fulton or Max Crosby.
Important Reminder: As part of the National Health Care Reform
Law, beginning in 2013, an annual limit of $2,500 will be enforced
for Medical FSA deductions. This limit will be indexed to the Consumer
Price Index starting in 2014.
please continue to promote our Go Green!
initiative for Reimbursement Account holders, offering
E-Communications and Direct Deposit. Enrollees will benefit by
receiving many communications via email and of course, faster claim
payments. Participants may sign up via MyCrosbyBenefits.com.
Catch The Renewal Wave 2012
Boost FSA Participation And Make
The Most of Your Renewal
For many of our
clients, Open Enrollment season is here again and we'd like to remind
you that we are committed to helping you increase Flexible Spending
Account participation. During these hard economic times, it is
important that your employees understand the benefits of
participating in an FSA. Crosby offers a number of tools to assist
you with promoting FSA enrollment for your 2011 Plan Year.
► Flex Debit
Card: Our card adds convenience by giving
participants direct access to their Medical FSA funds without having
to pay out-of-pocket. With the improvement of electronic approval
systems, our card is a great tool for increasing participation
(saving you more on FICA) and increasing the value for your
participants. If you don't have the Flex Debit Card, we encourage you
to consider it today.
Crosby offers two short videos (one with Flex Debit Card information
and one without) promoting the benefits of an FSA. Both options can
be found here on
Fairs: Crosby receives many requests to participate
in fairs, so please understand that scheduling is done on a
"first-come-first-serve" basis. We encourage you to let us
know as soon as possible so we may try to fulfill your request. To
request our participation, please email Nancy D'Allessandro with the following
· Location (please be specific)
· Raffle - should Crosby contribute a raffle prize?
Crosby will attend benefit fairs upon request, subject
Communications & Promotional Materials: We can
include customized communication pieces with your employee enrollment
packets. We also offer other valuable promotional materials to boost
employee participation such as FSA brochures and informational
To take advantage of these solutions and learn more
about preparing for your renewal season, please contact your Crosby
Crosby Connection Newsletter is intended for Crosby Client Contacts.
2011 Crosby Benefit Systems