Frequently Asked Questions

Employers that have ATNE “Average Total Number of Employees” of more than 50 on their wage and tax for the measurement period you have chosen must offer affordable and valuable coverage as defined by the Government.

Employers that have over 50 lives on their wage and tax must comply with the Tracking/Reporting and Recording and 1094 and 1095 filings.

YES, you may apply for individual coverage outside of “Open Enrollment” due to a life changing event on or off the Exchange.

One in every 2 individuals will need Long Term Care prior to their demise.

Protect your income in case of a disability so that you are able to pay for your mortgage/groceries/utilities/other debt/college. 80% of disability cases are denied by social security. Best to protect your income with an individual policy.

YES! Guaranteed payouts that will secure an income stream regardless of the account value are great options that are available with bonus upon deposit for immediate accumulation and guaranteed growth.

For tax year 2018, the penalty is the same as 2017.

For tax year 2017, the penalty is 2.5% of your total household adjusted gross income, or $695 per adult and $347.50 per child, up to a maximum of $2,085. For tax year 2018 and beyond, the penalty amounts have not been announced, but are expected to increase.

There are several ways.

  1. Fill out our contact us form and click the button to request a quote
  2. Send an email to
  3. Call our office @ 847-393-7475

For all requests please include:

  • The current enrollment in your existing plan per tier and plan
  • A summary of your plan
  • Please attach a recent invoice if possible
  • Telephone number where you can be reached

The best way is to send an email to: or contact our office @ 847-393-7475.
If you are terminating an employee – please add Terminate to the subject line of your email
If you are enrolling an employee – please add Enroll to the subject line of your email.