The EBI Difference
Strong benefits programs are not all the same. At EBI, we understand how important it is for you to find the right solutions for your business needs. We invest the time to understand your company's unique culture, structure and objectives. We ask questions. We challenge you.

In the course of asking and listening, we develop a partnership with you. We make recommendations and work with you to clarify your objectives. We put this understanding to work to design the best program for you and your employees.
Proven methodology.
Timely solutions.
Successful outcomes.
Our deep industry experience, along with our unique, proprietary process helps you see where you've been, where you are today and where you want to go tomorrow. With the Affordable Care Act (ACA) impacting the way you manage your workforce, we know that you need management tools and high-quality information to drive cost-effective decisions and ensure that your employees understand what healthcare reform means to them.

We help you take a proactive approach to developing strategies for managing your workforce, controlling associated costs, and complying with ACA regulations. As a result, our solutions will always be in step with your corporate goals, expectations and budget requirements.
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Supreme Court Ruling on Contraceptive Coverage Mandate


On June 30th, 2014, the Supreme Court ruled that “closely held” corporations did not have to provide contraception coverage to employees if they claim a religious exemption. Here are some important practical points to consider:


Q: What constitutes a "closely held" corporation?
A: Typically this refers to a family-owned business. The technical IRS definition is a company that has "more than 50% of the value of its outstanding stock owned (directly or indirectly) by 5 or fewer individuals at any time during the last half of the tax year," and is not a "personal service corporation."


Q: Can any closely held corporation take advantage of the Court's decision? 
A: The decision appears to only apply to closely held corporations where the owners maintain that providing contraceptive drugs and devices as a covered benefit of their group health plan violates their religious beliefs. 


Q: If a closely held company decides not to cover contraception, are there coverage alternatives for its employees?
A: PPACA provides an accommodation for employees of religious non-profits to still receive coverage for contraception through the same insurance provider as their group health plan, at no cost or extra premium, although it won't come directly through the employer plan.  The Supreme Court suggested that Health and Human Services apply the same system to employees of for-profit companies.


Q: Does this ruling apply only to emergency contraception, or contraception of any kind?
A: Although the plaintiffs in the case were only requesting they not have to cover emergency contraception, the ruling applies broadly to the contraception coverage requirement included in PPACA.

For additional information and updates, please contact your EBI Account Manager or Executive.


EBI 2013 Client Survey Results



EBI understands how important it is for our clients to find the right solutions for their businesses.  In an effort to gauge our performance and how well we are meeting their needs, we regularly conduct client surveys so we can design the best programs for them and their employees.

We are pleased to release the overwhelmingly positive results of our 2013 Client Survey.  We look forward to continuing to provide solutions that are in-step with our clients' objectives and which exceed their expectations!


Please click here to see the results of our Client Survey.


A division of NFP
National organization of more than 185 offices across the country
More than 2,000 benefits professionals, representing over 40,000 corporate clients
We bring together leading-edge thinking, preferred carrier relationships, best-of-breed products, advanced benchmarking and analysis tools, and comprehensive decision and implementation support services to meet the needs of your continually evolving workforce.

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