About Us
At CBSI we are uniquely equipped to help you unlock the engaged employee, because we’ve helped companies just like yours solve this problem without creating more cost. Unlike other insurance brokers, CBSI engages in a multi-step process throughout the year to listen, learn and clarify your employee concerns, creating solutions that align your company’s benefits with their wants and needs. But our approach goes beyond benefit solutions. Through experience, we have come to understand that educating your employees on their benefits is often more important than the actual benefits themselves. Better solutions together with communication unlocks the engaged employee.
For some this seems counter-intuitive, but it is a conversation you should not avoid. 96% of employees who are satisfied with their benefits are satisfied with their jobs, making tailored benefits and increased communication the best methods to shore up your bottom line. Attacking and solving the ‘unhappy employee syndrome’ that many companies experience will give you an advantage over competitors while slashing your investments in recruiting, hiring and training.
Great leaders see opportunity where others don’t. Real progress and real change for your company can only come with your vision. From your vantage point you are constantly looking for the next advantage, always understanding that there is always more to learn.
Let us show you how to make your business better, in unexpected ways.
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Meet Our Team
Xiomara Wilhalme
Account Manager![Xiomara Wilhalme](/sites/g/files/sujchg151/files/Location%20Teams/Highstown%20NJ-CBSI/Xiomara-Wilhalme-600x600-300x300.jpg)
Favorite Food: I am very adventurous when it comes to food. I love trying new things!
Favorite Movie: Gone with the Wind
Favorite Vacation: Anywhere that is warm and with beautiful beaches. Would love to one day travel to Tahiti
Why CBSI: We are like a family at CBSI – always looking out for each other and our clients. My fellow employment benefit specialists and I get to help businesses and employees navigate through challenges brought on by the complexities of the insurance industry, and equip them to face their problems head on. With so many changes occurring on a continuous basis, it’s very fulfilling to show our clients that we are there for them every step of the way.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Collaborative Conversations: 2025 - What to Expect and What You Need to Know
Save the date for a conversation in September where we will discuss the impending PLO changes by BOLI and the Employment Department, their impacts, and other critical considerations.
September 12, 2024 at 08:30 am PT | Virtual
Sign Up![Image that reads webinar](/sites/g/files/sujchg151/files/2024-06/WSG-DigitalThumbnails_Webinars-110723-4.png)
Employee Benefits
Is Tech-Enabled Brokerage Right for You?
Our experts will lay out what tech-enabled brokerage is, how it works and why it makes sense for the right organizations.
September 19, 2024 at 01:00 pm CT | Virtual
Sign Up![Webinar graphic - Alera Engage](/sites/g/files/sujchg151/files/2023-12/WBI-692x434-Webinar-Engage_6.jpg)
Employee Benefits
Meeting the Needs of an Aging Workforce
Our experts will provide tips and insights about how to incorporate Medicare, menopause benefits, retirement, communications best practices and other hot topics for older workers into your program successfully and without breaking the bank.
October 17, 2024 at 01:00 pm CT | Virtual
Sign Up![Webinar Graphic - Alera Engage](/sites/g/files/sujchg151/files/2023-12/WBI-692x434-Webinar-Engage_7.jpg)
THOUGHT LEADERSHIP
Insights
Employee Benefits
Preparing for 2025: Creditable Coverage, Enrolling in Medicare and HSA Contributions
With significant changes coming in 2025 to creditable coverage determinations, employers and employees may have questions on what that means for them, whether they make the decision to enroll in Medicare Part D or continue to have coverage under their group health plan.
September 5, 2024
Find out moreEmployee Benefits
Webinar: Better Benefits Administration and Lower Costs
If you don’t have expert assistance to guide you and your organization in the in using a sophisticated benefits portal, you’re wasting a lot of the money your business has invested — and probably frustrating the employees you mean to serve. Working with a brokerage that offers not only a leading-edge benefits portal but also year-round support and services enables your employees to seamlessly access, understand and navigate the portal, creating a positive benefits experience.
September 5, 2024
Find out moreEmployee Benefits
Medicare Part D Credibility Determinations for Non-Calendar Year Plans
In 2003, the Medicare Prescription Drug, Improvement, and Modernization Act (MMA) added a voluntary prescription drug benefit to the Medicare program. The benefit, known as Medicare Part D or “Part D,” is an optional program for Medicare beneficiaries to access covered prescription drugs at a lower cost. In 2022, the Inflation Reduction Act (IRA) was signed and set into motion changes to Part D benefits, with additional impact on employers in 2024 and 2025.
September 5, 2024
Find out moreProperty and Casualty
Workers’ Compensation: Stable market with emerging challenges from mental health claims
Despite pressure from medical inflation, increases in fee schedules on medical procedures and wage inflation affecting premiums and benefits, Workers’ Compensation remains a stable and profitable line for insurers. This stability allows buyers favorable conditions, such as ample capacity and stable rates. However, a new trend is emerging: the inclusion of mental health claims as compensable workers’ compensation.
August 28, 2024
Find out more