Group
Life Insurance
J.J. Stanis and Company, Inc. partners with multiple top-rated Life insurance carriers to provide the most competitive quotes and customer service for our clients, members, and their loved ones.
- Taxable Income Reporting
- Full Eligibility Set-up and Maintenance
- Billing
- Retiree Billing (if applicable to plan design)
- Initial Life Claim Filing- send claim paperwork to Employer and Beneficiaries; follow up with carrier until the claim is paid out.
- Customer Service- field phone calls regarding benefits
- Renewal analysis for competitive rates
- Contract Reviews
Short & Long Term Disability
- Full Eligibility Set-up and Maintenance
- Monthly Invoicing
- Initial LTD Claim Filing and Follow-Up
- Coordinate with Waiver of Premium Process under the Group Life
- Customer Service
- Renewal analysis
- Review of Employee Contracts
Dental: Insured & Self-Funded
As a full service third party administrator, we also have the ability to design a dental plan for your group on a self-funded basis. This allows you to have a great range of flexibility in all aspects of the plan design and can help control costs.
- Full Eligibility Set-up and Maintenance
- Monthly Invoicing
- Customer Service
Student Accident
- Claims Management
- Annual Training Meetings
- Dedicated Account Executive
Property & Casualty
Excess Worker’s Compensation & Cyber Liability Insurance
Our sales team is fully licensed and well-versed in the Property & Casualty coverages available. One of our areas of expertise is to obtain the most comprehensive program for your organization and the most competitive pricing. At J.J. Stanis we are serious when it comes to the security of our client’s information, having retained a Cyber Security Firm for our own organization in 2016. Together we will ensure your data is protected.
Vision: Insured & Self-Funded
J. J. Stanis and Company, Inc. partners with national vision care providers and can offer a wide range of cost-effective options for you and your employees. These plans can be set up on a contributory basis to allow you to offset the cost of this coverage and still give your employees a great value. As a full-service administrator, we also can design a vision plan for your group on a self-funded basis.
Group Health
J.J. Stanis and Company, Inc. will work to provide the most cost-effective medical plan options from a network of top health insurance carriers. Benefit plans are available for any size group with plan options including HMO, PPO, POS, EPO and High-Deductible (HSA/FSA compatible) Health Plans.
Flexible Spending
J.J. Stanis and Company, Inc. has partnered with multiple third-party administrators for employee benefit plans who specialize in IRS-regulated Flexible Spending and Dependent Care Programs, including the Debit Card benefit option for convenient access to benefit funds at point of service.
- Assist in the initial set up implementation process to ensure accuracy/efficiency in the transition
- Assist in the annual renewal process, notification of any changes in law
- Assist in the annual enrollment process including attending benefit/enrollment meetings
- Offer Informational Meetings for any questions employees have regarding Flex
- No longer have to pay out of pocket and wait for reimbursement for most healthcare purchases
- Easy access to account claims history and balance information
- Mobile App for Participants- upload claims via phone, check balances, text alerts and more
- Use card at FSAStore.com for eligible Over the Counter Items
- Increased employee participation
- Increased average contribution per employee
- Increased FICA savings based on greater employee participation and contributions.
Life Insurance FAQs
Q: What is a “primary beneficiary”?
A: The “primary beneficiary” is the person or persons who have first rights to receive policy proceeds when the proceeds become payable.
Q: What is a “contingent beneficiary”?
A: The “contingent beneficiary or beneficiaries” is the person or persons designated to receive the policy proceeds if the primary beneficiary should predecease the person whose life is insured.
Q: How do I find out who my beneficiary is?
A: To protect your privacy, we are unable to provide that information. However, if you are unsure of who your beneficiary is, we recommend that you complete a Change of Beneficiary form and submit to us. This new document will supersede any previous designations that you may have had. This document can be located under our Forms tab.
Q: Is there any cash value to this policy?
A: There is not any cash value to this policy.
Q: I received a conversion letter. What is this for?
A: When you lose life insurance coverage under this policy, whether due to a termination or a reduction, you are eligible to convert the amount of coverage you are losing into an individual policy. This would be similar to you going to your nearest insurance broker and asking to purchase a life insurance policy. The only difference is that if you convert under this plan provision, there is no medical exam required. The premium costs are based upon your age and you will be in a direct relationship with the insurance carrier.
Flexible Spending Accounts FAQs
Flexible Spending Accounts
(For claims access):
NOTE: Itemized bills, credit card receipts, and incomplete bills WILL NOT BE PAID. Claim will be held due to inaccurate information being submitted. We administer the FSA plan according to government guidelines.
Q: If a bill is paid in the current flex year, but the date of service is for the prior flex year, which year will the money be taken from?
A: The prior year. Claims are paid by the date of service, not the date the bill is paid.
Q. What is the CARES Act?
A. The Coronavirus Aid, Relief, and Economic Security (CARES) Act is Congress’s latest coronavirus relief package and was signed into law on March 27, 2020. The CARES Act is the largest economic relief bill in United States history and will provide support to individuals and businesses affected by the pandemic. Many of you have questions about the new law and how it impacts your benefits, including items now eligible for purchase with your healthcare flexible spending account (FSA).
Q. Are over-the-counter drugs and medicines now eligible expenses through a Healthcare FSA or HSA without a prescription?
A. Yes. With the new law, you are now able to purchase, or be reimbursed for, certain over-the-counter medications (examples: Tylenol, Motrin, cough suppressants; items that used to require a prescription) using your Healthcare FSA or HSA without a prescription. Please contact your plan administrator to confirm eligible items or visit www.fsastore.com
In addition, any menstrual hygiene products (tampons, sanitary napkins, liners, etc.) may also be purchased or reimbursed using your Healthcare FSA with this new law. The law is retroactive to January 1, 2020, meaning any over-the-counter medications or menstrual products you have purchased since January 1, 2020 can be reimbursed from your Healthcare FSA, if you have not already been reimbursed previously using a prescription.
Q. When can I begin using my Healthcare FSA funds to purchase over-the-counter drugs and medicines, and menstrual hygiene products?
A. You may begin to use your FSA funds for over-the-counter medications and menstrual hygiene products as of January 1, 2020. This new law currently has no expiration date, meaning you may continue to purchase these items with your FSA funds for the entire plan year and beyond. This law is subject to change at any time.
Q. Can I be reimbursed for items I have already purchased?
A. Yes, you can submit a claim to be reimbursed from your FSA for over-the-counter medications not previously reimbursed with a prescription, as well as menstrual hygiene products. You will need to provide a copy of your receipt that shows proof of purchase date and item purchased under FSA. Please contact your plan administrator for specific parameters of eligible dates of service.
Q. What are the different ways that I can submit my flex claim?
A. Claims can be submitted in multiple ways. You can mail your claim to us at our Garden City office. You can also email your claim into us at claims1@jjstanisco.com. You can also use our secure portal to upload your claim by accessing the Claim Submission option under the Contact Us tab on our website.
Q. How can I confirm that you received my claim?
A. You can log into your account via our secure portal and review all claims that we have on file for you. You can find the log in page on our website by clicking the Claims Access option under the Services Tab and follow the prompts to log into your account.
Q. Why are you asking for additional information on my claim?
A. Each claim is different and this answer may not address your specific situation, however, as the administrator of this plan we are bound to adhere to all IRS regulations in the processing of your claim. There are certain items that will require Letters of Medical Necessity, Prescriptions and/or Explanations of Benefits from your primary insurance for example.
