Archive for 2011

Client Spotlight

Posted on: November 7th, 2011 by Kristine No Comments


Established in 2006, NUMBERS etc provides full service accounting and tax services to small and medium sized businesses in Arizona and Southern California. Our Accounting and Finance professionals bring an in-depth level of functional and industry experience in all areas of finance and accounting with real world experience. NUMBERSetc has been successfully helping companies of all sizes from start-ups to Fortune 500 companies obtain the expertise that is needed to accomplish the projects or areas listed below. Small businesses can now benefit from the best talent without entering into expensive consulting contracts or hiring a long term employee.

Call today and take advantage of our free 30 minute in-person consultation with recommendations.

Charity Corner

Posted on: November 7th, 2011 by Kristine No Comments

Please help Kristine raise money for Gabriel’s Angels.  She will be participating in a 100 holes of golf tournament on November 18th at Encanto Golf Course in Phoenix, Arizona, and this money will support the pet therapy teams that reach out to abused and at risk children every day.

Donate Here 

Please use the above link to donate online quickly and securely. You will receive an email confirmation of your donation and Kristine will be notified as soon as you make your donation.  Thank you in advance for your support.  We truly appreciate your generosity.

Healthcare Reform Updates

Posted on: November 7th, 2011 by Kristine No Comments

Arizona is still working on the groundwork to set up a state exchange. Kristine is part of the broker committee to help provide feedback and insight to the Governors’ working group which is led by Don Hughes.

There has also been a halt placed on the implementation of the CLASS Act (Federal Long Term Care Program) at this time. 

Stay tuned for more information as it unfolds.

President’s Message

Posted on: November 7th, 2011 by Kristine No Comments

Are You Prepared & Ready For 2012?

Happy Fall! This is the time of year where we all are pushing to make our end of the year goals and review the past year to plan our budgets for 2012. Are you ready for that??? I thought that a few tips from your insurance consultant might help your planning.

  • Do a benefits review to see what you are paying for each employee for all the products that you offer such as health, dental, vision, life and disability insurance?
  • If you are not currently offering those products could you at least offer them as a voluntary product?
  • Have you reviewed creative options with your medical plan such as increasing the deductible through ad H.S.A.(Health Savings Account), or pairing your plan up with a “Gap” plan or H.R.A.(Health Reimbursement Account)?
  • Is the plan you are offering receiving the most deductible advantages on your tax return such as group insurance when comparing to individual insurance?

After reviewing some of these ideas make sure to get your questions and share with your insurance and tax advisor. This will help start 2012 off with a positive direction that could save you money as well as offering a few more benefits to your employees.

Further questions? Call us at 480.831.7700 or email us at We also invite you to join in our conversation on our new Benefits By Design Facebook page.

Charity Corner

Posted on: August 22nd, 2011 by Kristine No Comments

Non Profit Upcoming Events

August 24, 2011, 4-7 pm, ASBA Open House and Expo, 4600 E Washington St, Phoenix, AZ.

August 30, 2011, 5:30pm – Gabriel’s Angels Play, “Boeing, Boeing”, Phoenix Theatre.

September 14, 2011, 11:00am-1:00pm, NAWBO Monthly Luncheon, Speaker: Fran Lowell, “Rapport” How to gain a competitive edge in your business. Phoenix Country Club

September 21, 2011, 11:30am – Tempe Chamber Golf Tournament, Karsten’s Golf Course.

October 14, 2011, 6:00 pm – Gabriel’s Angels First Ever Signature Wine Event, SALUD! Arizona Biltmore.

Exciting News…

Posted on: August 22nd, 2011 by Kristine No Comments

Benefits By Design is now the Exclusive Broker for ASBB (Benefits Department for Arizona Small Business Association). We will be assisting ASBA members with any other products other than their current Association plans. We are very excited for this Excellent Opportunity!!!

Healthcare Reform Update

Posted on: August 22nd, 2011 by Kristine No Comments

Last week it was decided that the ruling as to whether an Individual Health Insurance Mandate will be required for all citizens by 2014, has most likely been moved to the Supreme Court to make a decision next session.

The past few months Arizona has been meeting as a committee run by Don Hughes who was appointed by our Governor, Jan Brewer, to move forward with offering a Statewide Exchange instead of joining as part of the Federal Exchange. They are still waiting for the HHS requirements to see how to best set up the exchange, but currently they are researching several options. There are about 20 committee members ranging from Brokers, Insurance Companies and Department of Insurance Representatives. The Exchange will need to be set up by October 2013 and prepared operationally for January 2014 sales. This will affect both group and individual sales.

The Medical Loss Ratio will be required for Insurance Companies to report to the clients that they insure to see if any Rebates are owed to the client if their claims are below the loss ratio. This reporting will be required starting in 2011 and if any Rebating is owed to the client the checks must be distributed by August 1 of the following year. At that point the client will be required to reimburse their employees based on the amount of contributions the employer and employee contribute. You will be receiving more information on this from your particular carrier.

Presidents Message

Posted on: August 22nd, 2011 by Kristine No Comments

Hello everyone! 2011 has brought about a few things to celebrate and those include you, our clients who have survived your own business challenges and continued to work with us to offer your team excellent benefits!! Thank you!!

We still continue to stay active in our non-profit volunteer commitments and we were recognized earlier this year as the 2011 NAWBO Phoenix Business Owner of the Year! It was a great awards ceremony in June and I am very honored. I was also recognized for the second time as a finalist for the Tempe Chamber Business Woman of the Year! These organizations have helped to make Benefits by Design what it is today by teaching us leadership and building relationships.

Healthcare reform was laying low for a while, but now it is back in the spotlight. I have been serving on two committees with the Department of Insurance to help stay educated. Those committees include the Rate Review Committee and the Arizona Exchange Committee. See below for more information.

Also, stay tuned as we will be adding another specialist to our team who will be focusing on Ancillary Products such as Disability Insurance, Life Insurance, Long Term Care, and Medicare Supplements. We are excited to be expanding into other areas in today’s marketplace.

Kristine Kassel

Congratulations Kristine!

Posted on: June 9th, 2011 by Kristine No Comments

We are happy to announce Kristine Kassel as the winner of the 2011 NAWBO Phoenix Chapter Business Owner of the Year.

This award is given to a successful business women who has overcome obstacles, created jobs and contributed to the business community. NAWBO (National Association of Women Business Owners) supports women business owners through education, leadership and connecting local women owned businesses.

To learn more about this amazing award click here

We would like to thank you our clients for your business and continuous support throughout the years.

Participants Needed for Online Health Insurance Rate Review Survey

Posted on: March 29th, 2011 by Kristine No Comments

HURRY! Deadline to participate: March 31, 2011

The Arizona Department of Insurance (ADOI) wants to make health insurance rate information submitted by insurance companies more readily available to consumers, and to help the public better understand our procedures and authority to review health insurance rates. As part of our consumer outreach efforts, ADOI has created an online survey, designed primarily for those who purchase individual or small group health insurance in Arizona.*

This is your opportunity to give us your feedback about health insurance rates in Arizona. Your responses to our survey questions will better inform us about what health insurance rate information would be meaningful for you.

This survey should only take about five minutes to complete. All participants’ responses are anonymous. The survey may be accessed at the link below.

Please take a few moments to complete this survey, and let us know your concerns about health insurance rate review in Arizona. Should you have any questions about this survey, please contact Kathy Zatari, ADOI Rate Review Grant Manager, at (602) 364-2455, or at

Thank you for your participation!

*This survey relates only to major medical health insurance for individuals and small employers (2 – 50 employees). We are not collecting information about Medicare Advantage, Medicare Supplement, AHCCCS plans, long term care, HMO’s or large employers insurance. ADOI is conducting this survey as part of a grant received from the U.S. Department of Health and Human Services. For more information about this grant, please see:

Health Insurance Rate Review Survey