Patrice S. Goldfarb has been an employee benefits consultant for over 20 years. She has worked within the large corporate markets, as well as small to mid-sized businesses, non-profit organizations and associations.  She also specializes in long-term care insurance and assists people transitioning to Medicare

As an industry leader, Patti has been quoted publications such as Fortune and Forbes. She has published health insurance related articles and presented seminars for financial and legal associations on topics such as: “Issues to Consider in Choosing the Right Health Plan”; “Long Term Care Insurance Design and Planning” and “International Health Insurance Issues”. She is the founder of the New York State Association of Health Underwriters, former Chairperson of the Insurance Committee of the Meadowlands Chamber of Commerce and a member of the Society of Certified Senior Advisors.

jar of coins to pay for medical expenses

An Employer’s Guide to Health Savings Accounts (HSA)

What is a Health Savings Account? Health Savings Accounts (HSA) were created in 2003. They are special individual-owned accounts used to pay for current and future medical expenses. They are used with High Deductible Health Plans (HDHP). This is an insurance plan that does not cover first dollar medical expenses (except for preven- tive care).…
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empty bed in a long term care facility

What’s the Scoop on Long Term Care Insurance?

Let’s face it. If you’re in your 40’s or 50’s, it’s likely that the last thing you want to think about is planning for the possibility of needing long term care. Yet, some key findings of a survey done in 2013 by the Associated Press and the Non-partisan and Objective Research Organization (NORC) at the…
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Health Care Insurance plan form


Do you know the best way for your company? There are a variety of mechanisms available to fund health insurance programs. Below is a summary of the basic concepts involved in each type of funding. Traditional Insurance The most familiar funding design is the “fully insured” plan. In this design the employer pays a premium…
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Small business owners of a flower shop

Is a PEO the Right Choice for Your Company?

A professional employer organization (PEO) enables small and mid-sized businesses to provide their employees with access to better, more affordable benefits, and to streamline many administrative HR functions—like payroll, benefits, compliance, and workers’ compensation. Typically, the PEO offering may include: Human resource consulting Safety and risk mitigation services Payroll processing Employer payroll tax filing Workers’ compensation…
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meeting to review employee benefits

Why Employers Overpay for their Benefits Programs

Most employers tend to ignore tasks that are outside of their main business focus. While it is only human nature to put off doing things you dislike, it is not a good strategy for running a profitable business. It can be a particularly costly when it comes to your benefit programs – especially when you…
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Older couple looking at their finances

Retirement Planning Beyond Investments

Most people think about retirement planning in terms of saving money so they can afford to retire. As a long-term care insurance specialist, my role is to protect that money when they do retire. And long-term care insurance is one way to do that. As you might imagine, my conversations with clients often delve into…
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