HIPAA, COBRA, ERISA, ADA, FMLA, ACA- the alphabet soup of legislation that governs our plans continues to grow and become ever more encompassing.  A recent survey surmises over 90% of small and mid-size businesses are out of compliance.


The Department of Labor (DOL) has warned employers repeatedly over the last few years that they are ramping up their enforcement efforts.  The efforts are going to result in fines.  The fines are going to use to offset costs and subsidies related to the Affordable Care Act (the ACA).


Sabal Benefits is determined to make it so our clients are not materially affected by this enforcement effort.  We have implemented a compliance program for all of our clients.  First we assess the current level of compliance, then we develop a comprehensive list of the actions plan sponsors need to undertake to achieve and maintain compliance.  We work with you to develop an implementation timeline, and make sure we stick to it.


Using this systematic approach, Sabal Benefits is sure we can reduce our client’s liability.  We won’t rest until you are in compliance.

Sabal Insurance Group

Sabal Insurance Group specializes in the development of innovative insurance solutions for clients nationally and internationally.   These solutions include comprehensive property and liability programs, general and professional liability, workers’ compensation, auto/fleet, and surety bonds.   Our personal lines department offers homeowners, auto, boat, motorcycle, and recreational vehicle insurance.  We also handle rental properties nationwide, as well as jewelry and fine arts (including the coordination of appraisals and valuations).   Licensed in all 50 states, we serve a diverse client base that spans the United States, Europe, and Latin America from our headquarters in Fort Lauderdale, Florida.   Sabal Insurance Group represents multiple insurance carriers, so we offer our clients a wide choice of products and coverages at the best pricing available in the global insurance marketplace. At Sabal, we add exceptional value to insurance and risk management programs through creative placements and aggressive representation of our clients’ interests.