Oregon & Washington Employee Benefits and Insurance Experts

employee wellness plans

Montgomery & Graham, Inc. is an insurance agency that has been helping clients and potential clients throughout Washington State and Oregon since 1997. They offer coverage and employee benefits for companies including commercial automobile insurance, umbrella insurance, and commercial property insurance, ensuring that employers will have a plan that works for their company and their employees. M&G helps clients save money through proven business strategies, they help find the right personalized plan for each company, and have innovative plans for individuals.

They help companies to save money and offer value added client rewards. Employers want options that will benefit their company and attract future employees. Montgomery & Graham, Inc. show employers the benefits of plans called self funded health insurance. They are also specialists in Health Savings Accounts, which offers a tax advantage. This allows the employer to save on health care packages and offer plans that are more rewarding for their employees.

Disability, dental and supplemental, health, and life are just a few of the insurance options offered through Montgomery & Graham. These insurance plans ensure that you and your employees are covered in the event that something unexpected happens in life.

M&G also offers automobile and home insurance with a wide range of insurance benefits. Their auto insurance includes roadside assistance, collision coverage, and liability coverage, amongst others. Their home insurance provides you with coverage in the event of a natural disaster or accidents. Some of the insurances they offer includes: mobile home insurance, renters’ insurance, and homeowners’ insurance.

Contact Montgomery & Graham, Inc. for a free consultation and find out about their innovative insurance planning, and how they will work hard to find the right coverage for your needs and save you money in the process.

Who regulates employer group health insurance plans?


Many employer-based health insurance plans are fully insured by a health insurance company. This means the employer contracts with a health insurance company to provide its employees benefits, pays premiums for such coverage, and the insurance company assumes all claims risk. The states regulate fully insured group plans. Implementation of the ACA gives the federal government more authority over larger group health insurance plans than has previously been the case. ACA governs provisions ranging from employee waiting periods before coverage begins to the types of preventive services that a plan must offer.

However, larger group health plans (usually several hundred employees or larger) may choose to either fully or partially self-insure their group benefit plans. This is also called self-funding. This means that instead of paying health insurance premiums to a company, the employer sets a pool of funds in reserve and assumes the risk for health benefit claims. Companies that self-insure generally buy what is known as a stop-loss insurance policy to protect the employer’s assets against losses above a certain threshold. They also contract with either a third-party administrator or a health plan to administer benefits and handle claims.

Many employees of companies that self-fund coverage do not even realize that their plan is self-funded by their employer. Self-funded – and in fact, all employer-provided health benefit plans – are regulated federally by the Department of Labor under the Employee Retirement Income Security Act of 1974 (ERISA), so they are sometimes known as ERISA plans. If employees are uncertain whether they are covered by a fully insured (and state-regulated) plan or a self-funded (and federally regulated) plan, they should ask their employer.

A self-funded plan does not have to meet all of the insurance laws and requirements imposed by a state. If a state mandates coverage for a medical service or treatment, e.g., in vitro fertilization, a self-funded plan providing coverage to employees in that state would not have to provide the in vitro fertilization coverage.

Employee Wellbeing tops the agenda for 78% of the world’s Employers


Seventy-eight percent of the world’s employers are strongly committed to creating a workplace culture of health, to boost individual engagement and organizational performance.

A new survey of employers worldwide illustrates their investments in wellness: 43 percent say they created a brand identity for their employee wellness programs, 52 percent offer health insurance premium reductions, and 65 percent believe wellness programs are extremely or very important to attract and retain workers.

According to “Working Well: A Global Survey of Health Promotion and Workplace Wellness Strategies,” employers’ views of wellness have evolved over the last seven years. This latest report was conducted by Buck Consultants at Xerox, with lead sponsorship by Cigna Corp. (NYSE: CI) and the Global Healthy Workplace Awards.

The commitment to employee wellness and a corporate culture of health prevails even as the challenges identified by Buck’s previous surveys persist. Participation rates indicate that employers are still struggling to find effective approaches to motivate workers. And there is a significant gap between employers’ stated desire to create a culture of health and their current progress in achieving this goal.

Survey findings show that 52 percent of employers worldwide are measuring the outcomes from their wellness programs – up from 36 percent in 2012. In the U.S., employers cite health care costs as their top reason for sponsoring wellness programs. Outside the U.S., employers use wellness programs to improve employee morale and to reduce sick days – when employees are at work but not fully functioning. Employers are making the connection between health and productivity.

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A Helping Hand for Northwest Homeless

employee wellness benefits

Montgomery & Graham, Inc. bring together a team of people with more than 100 years of combined insurance industry expertise. They focus on helping employers plan the innovative benefits packages for their employees’ satisfaction and company cost savings. In business since 1997, M&G wants their clients to have a full understanding of the importance of managing employee benefits effectively. It’s something that every company must manage, big or small. Montgomery & Graham, Inc. also helps to provide and manage individual insurance and property & casualty protection.

In addition they also find it vital to give back to the communities in which they live and serve by making smart business choices. By choosing WeThinkItMatters Inc. to help with their company’s web development and branding campaign, M&G help make $9,000 available to those that need a helping hand. They choose to focus on helping homeless children and families in the Oregon and Washington area with their project expenses. And are looking to know the power that $500 can offer to a non-profit organization. Please apply for sponsorship in you serve the homeless in the Northwest. It as easy as filling out a form, or if you know of someone in need, please share it with them. WeThinkItMatters Inc. is looking forward to sharing the good news of how these sponsorships change lives.

M&G has a history of supporting charitable events and organizations, such as company-wide blood drives, sponsored Secret Santa’s, and is currently holding a pet food drive. And now looking for 18 non-profit organizations to show the positive impact that $500 can have on their mission. If you know of a non-profit helping the homeless that could benefit from this contribution, spread the word and have the organization apply for sponsorship. This act of kindness supports the concept of neighbor helping neighbor, and protecting those that need a helping hand. Thank you!