Member Benefits | Human Resources | Agents

Exclusively For Insurance Agents


SBAM understands how difficult it can be for agents to get the support they need in this tumultuous health insurance industry.  We're here to help you work smarter, not harder.  We've built our health insurance products and services with the small business owner and agent in mind.  We'll keep you up to speed with compliance changes and offer your customers a great selection of HR-related products that they need to attract and retain the talented employees and continue to grow their business.

Enroll Your Customer With SBAM Today!


Download SBAM Membership Application and submit via email.  

Referral Program:  Agents who enroll their customers in our insurance programs receive rewards.  Click here for details...

Agent Voucher: 
As the Agent of Record, you have the option to waive your $90 referral bonus and cover the cost of your customer's first year dues.  Please note: the voucher is not valid for any other program and service other than the health, life and disability program.

If you are changing your customer's existing Blue Cross or BCN coverage to SBAM-sponsored, you'll need to submit a rollover letter to their Managing Agent.

The Action Benefits Company 
(800) 638-7704

The Grotenhuis Group 
(800) 748-0368

Our association has three levels of membership for your customers to choose from;  $99 Basic, $219 Premium and $349 VIP

The $99 Basic membership will include all of the insurance-related programs that you're familiar with including BCBSM/BCN health, vision and dental sponsorship, Dearborn National life and disability, Kushner POP, FSA, HSA and HRA administration, COBRA administration and Accident Fund workers' compensation.  

The new $219 Premium membership will give you customer all of the benefits of the Basic membership plus access to additional member programs including our new Connectivity payroll and employee benefits administration, ERISA and ACA paid compliance consulting, Davenport tuition discounts, free HR and Legal information and much more. 

And finally, the $349 VIP membership is for small business owners who wish to tap into a multitude of services. It gives them all of the benefits of the Basic and Premium membership as well as complimentary Crain's Detroit Business, concierge services, red carpet treatment during SBAM's Annual Meeting, and a complete advertorial package.





Recorded Webinars 



SBAM Dearborn National and LifeSecure - Recorded

Specialty Products for SBAM: Expand your product portfolio with life, disability, accident and hospital recovery insurance exclusively designed for small business customers.  We match the same flexible insurance plans offered by big businesses - and keep it affordable so SBAM members can attract and retain talented employees. 

Click here to view the webinar in its entirety.

Click here to download just the webinar slides. 

SBAM offers ancillary coverage for your customers.  Click here for details!
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SBAM Connectivity - Recorded
With SBAM Connectivity, powered by Benepay Technologies, you can choose your level of service from standard payroll administration all the way up to a fully integrated system that includes payroll, HR, time and attendance, benefits administration, and expense management.   Your customers will have the ability to track, and in some cases, report information related to the Affordable Care Act requirements.  

Click here to view the recorded webinar in its entirety. 


Click here to download just the webinar slides. 

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HIPAA Compliance for Agents - Recorded

Insurance agents are directly liable to individuals and the government for misuse of client information. This means that the government will fine you directly. And depending on the severity of the incident, clients have the right to sue you for negligence as well. Under HIPAA, a breach is any impermissible access, use or disclosure that compromises the security or privacy of PHI.  Find out how to protect yourself. 

Click here to view the recorded webinar in its entirety.

SBAM offers HIPAA Compliance Services for Insurance Agents.
 Click here for details!


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ERISA and ACA Compliance Webinar - Recorded 

Your customers rely on you to help them stay compliant with laws and regulations related to employee health benefits.  Be their hero by knowing the answers and providing the right solutions to keep them out of trouble.

Click here to view the recorded webinar in its entirety.  
Click here only to download the presentation slides.
 
SBAM offers free and paid compliance consulting services.  Please click here for details!

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SBAM HR and Insurance Programs

Consolidated Billing & Customer Service
Your customer has enough paperwork to deal with on a monthly basis... keep it simple for them by providing a consolidated invoice that includes their BCBSM and BCN health, dental, vision premiums, life and disability premiums, COBRA administration fees, and flexible benefit administration fees.  And if they have any questions along the way, our customer-focused team is only one call or email away with the promise to respond to your inquiry within 2 hours.  We're here to help you with billing, claims, enrollments and terminations, general HR and compliance questions and so much more.   

Life & Disability
SBAM matches the same life and disability plans offered by big businesses - and we keep it affordable with no medical exam requirements. Coverage is available down to one person, with flexible guaranteed issue amounts.  Agents are provided quoting tools and enrollment materials and we're here to help answer any questions your customer has about claims, plan changes, travel benefits and support for beneficiaries after a loss. 

*The SBAM Advantage program through Dearborn National ® Life Insurance can reduce the cost of your Group's current life insurance plan by at least 15%.  Click here for details...

COBRA Administration
There are dozens of companies out there offering administration for little to nothing.  But can you trust that your customer will receive the personalized, high quality service that they deserve?  With SBAM COBRA administration, your customer will be designated a specific team member who will serve your customer and their COBRA enrolled beneficiaries. Our COBRA coordinator sends all necessary letters and notifications, provides your customer with a monthly activity report and online access to their account, and collects premium payments from the COBRA-enrolled beneficiaries.  We make it easy for your customer to securely communicate with SBAM when they have a qualifying event, so they're sure to stay compliant without any hassles. 

Premium-Only Plan, FSA, HSA and HRA Administration
SBAM offers affordable administration options with service from a top expert in the field, Kushner & Company.  Their integrated claims system allows participants to utilize mobile and desktop technology to submit claims and substantiation, view their accounts and even track the progress of claims and payments. Kushner & Company's Client Services Team is intensively trained to follow the exact provisions set forth by the Internal Revenue Service Code and each client's individual plan document.  

ERISA Compliance ConsultingIt's no secret that the DOL has added thousands of field agents to begin looking specifically at health and welfare plans sponsored by employers and are now showing up in employers’ offices conducting  ERISA compliance audits.   Kushner & Company has the expertise to assist organizations in ensuring that its plans are in compliance and that it has fully documented all of those compliance efforts.

Payroll, Employee Benefit Administration, ACA Reporting
Tired of large companies like ADP and PayChex stealing your business?  With SBAM Connectivity, powered by Benepay Technologies, your customer chooses their level of service from standard payroll administration all the way up to a fully integrated system that includes payroll, HR, time and attendance, benefits administration, and expense management.  Your customer will have the ability to track, and in some cases, report information related to the Affordable Care Act requirements.  And with SBAM, no agent will ever come in and try to take over your agent of record.  

Summary Plan Descriptions
SPDs are another requirement that can be a hassle to produce for each of your customers.  They usually have no idea where to find one or what information needs to be included.  All SBAM-sponsored BCBSM and BCN companies receive a free, customized SPD.  Do you have a customer enrolled in a nonBlue plan such as HAP or Priority?  We got you covered.  They can join SBAM and pay a one-time fee for our SPD. 
 
HR Information & Advice
You don't always have all the answers when it comes to HR laws and regulations.  You and your customers need someone they can depend on to give fast reliable answers when it comes to managing employees.  Through the American Society of Employers, your customer can ask an unlimited number of questions and receive trustworthy information about employment law, compliance, and HR policy and practice issues.  Our members also receive discounts on workplace posters, employee handbooks, pre-employment screening and educational opportunities. 

Workers' Compensation
SBAM’s workers’ compensation program is available through Accident Fund Insurance Company. With this group pooling power, your small business customer has access to an upfront discount on premiums and potential dividends that they cannot obtain on their own.