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.

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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business meetling with employee benefits broker

How to Evaluate an Employee Benefits Broker

I realize this can be more work than the average business owner wants to do.  This is work that a good broker will do for you.  The question is how do you know what kind of broker you are working with?  There are plenty of financial planners that use benefits as a door opener to…
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business headquarters - where health insurance decisions are made.

Health Insurance Renewal – Part 2

There are millions of healthcare plans renewing in January 2023.  About 60 days before this, employers will be notified of the new premiums for their benefit plan. In this series we will explore ideas employers can use to mitigate these increases. Cost Sharing For employers with 50 or more employees, the maximum employee contribution towards…
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woman at desk with calculator and computer

Health Insurance Renewal – Part 1

Every business owner cringes when he opens the bill for his company’s health insurance.   Each year the cost increases while he decreases the benefits to help rein in expenses.  It’s like watching a hamster running in a wheel.  Nothing changes – employers are frustrated, employees are disappointed, and costs keep increasing.  There are millions of…
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