Watertown, NY

    About Us

    Founded in 1965, Relph Benefit Advisors provides relief to employers offering comprehensive, competitive benefits to their employees.

    This includes strategic planning, funding options, and data analytics for health and welfare plans. We offer custom funding options designed not-for-profits, private education, and municipalities. 

    In 2016 we became founding partners in Alera Group. Our clients benefit from greater national resources, broad expertise in all areas of risk and wealth management, and our collaborative approach to problem-solving.

     

    Hours
    Business Hours:  Monday – Friday 8am-4:30pm

     

    Are you an employee needing help with enrolling or a benefits question?
    Please call 800-836-0026 or email employeeservices@relphbenefitadvisors.com

    Resources

    Are you looking for a new Benefits Broker or TPA?
    Call 800-836-0026, and a Alera Group representative will contact you

    EXPERT EDUCATION

    Events and Webinars

    Employee Benefits

    Setting Your Strategy for the New Year: Alera Group's 2025 Employee Benefits Market Outlook

    Our experts will highlight key results from Alera Group’s "2025 Employee Benefits Market Outlook" and explain how these trends can impact your benefits program this year.

    January 16, 2025 at 01:00 pm CT | Virtual

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    Employee Benefits

    The Value of Voluntary Benefits

    In this session, our experts will showcase the value of voluntary benefits, from financial savings to improved retention to addressing the specific needs of their employees.

    March 20, 2025 at 01:00 pm CT | Virtual

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    Employee Benefits

    Balancing Cost and Care: Could Captive Insurance Be the Solution?

    In this session, our experts will discuss how Captive Insurance works and what you need to consider for your own group’s needs.

    April 17, 2025 at 01:00 pm CT | Virtual

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    THOUGHT LEADERSHIP

    Insights

    Employee Benefits

    Don’t Forget About Your Gag Clause Attestations

    When the Consolidated Appropriations Act, 2021 (CAA) was enacted on December 27, 2020, it included a provision that prohibits group health plans and health insurance carriers from entering into certain agreements that, either directly or indirectly, restrict the release of certain information related to provider networks and de-identified encounter data, among other things. Such restrictions are commonly referred to as “gag clauses.” The CAA also requires plans and carriers to attest annually that their agreements do not include such impermissible gag clauses.

    November 20, 2024

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    Employee Benefits

    Avoiding an Employee Lawsuit Over a Tobacco Surcharge Claim

    Tobacco surcharges on health insurance premiums for employees who use tobacco products are attractive options for employers looking to keep their workforce healthy while lowering their organization’s healthcare costs. But surcharges can go too far, and many employers may be unaware of the limitations. Alera Group's new whitepaper on tobacco surcharges is designed to assist employers in complying with federal regulations.

    November 19, 2024

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    Employee Benefits

    Q4 Considerations: New HIPAA Privacy Considerations

    Earlier this year, the Department of Health and Human Services (HHS) issued a Final Rule titled HIPAA Privacy Rule to Support Reproductive Health Care Privacy.

    November 15, 2024

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    Employee Benefits

    Spotlight on 2025 Benefit Limits

    The IRS has released the 2025 benefit plan limits. The following chart shows some of the key limits for the 2023, 2024 and 2025 tax years.

    November 15, 2024

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