The Liberty Company Insurance Brokers

So true! 🐾💕

We are growing our team!

#FlexibleSpending #Taxation #Section125 Many employers assume all voluntary benefits should be deducted pre-tax under a Section 125 Cafeteria Plan. In reality, the tax treatment of voluntary benefits is far more nuanced — and in many cases, post-tax may actually be the safer and more employee-friendly approach. Here are a few important reminders: Pre-tax disability premiums generally lead to taxable disability claim payments • Post-tax disability premiums generally result in tax-free benefits to employees • Accident, critical illness, and hospital indemnity plans may create tax complications when funded pre-tax • Certain “double dipping” wellness or reimbursement arrangements have drawn increased IRS scrutiny • Improper setup of voluntary benefits can also impact ERISA safe harbor protections and create additional compliance obligations The reality is that many employers today intentionally structure voluntary benefits like STD, LTD, accident, critical illness, and hospital indemnity on a post-tax basis to preserve cleaner tax treatment and reduce compliance risk. 👍

Went to work but the struggle was real!

I started another degree. I know; bear with me. I have a BA in Theatre (Management/Design) from Georgia Southern - and I do truly mean this - I use it every single day. The project management, the people skills, the ability to keep seventeen things from falling apart at once. That degree did exactly what it was supposed to do. But it turns out, if your long-term goal is an MBA, most business schools would like you to have actually set foot in a business program at some point. Fair, honestly. So I'm working on a Bachelor of Science in Business with a concentration in Marketing at WGU. It's self-paced, which means I'm not turning my life upside down - I'm doing it in the evenings, on my own schedule, and it genuinely doesn't touch my work. It's one of those things I do because it's quietly satisfying, like finally organizing a folder you've been ignoring for two years. It also feels right to be doing it now, when the marketing and AI landscape is shifting fast enough that staying academically engaged isn't just nice-to-have - it's actually useful. This isn't a big announcement. It's just a thing I'm doing, and I'm glad I started. (Also: if you're eyeing an MBA and have a non-business undergraduate degree, apparently I'm now the person to talk to about your options.)

Always great spending time with Aaron Stern from FM Affiliated . FMA is one of the partners we really value. Relationships like these go a long way. When you’re aligned with the right people, you can create solutions that actually stand out and deliver for clients. We’re working on some exciting things together for our real estate portfolio—especially in the mid and high-rise HOA space. Looking forward to sharing more soon. 🍊🚀🍊

Atif Awan has been an amazing addition to our team - we could not be happier to welcome him to the Liberty family! #LibertyCompany #opportunity

More knowledge dealt out by Dr. Bricker! This is one of those posts worth pausing on for a minute… Some pretty eye-opening data on prior authorization and what’s actually happening behind the scenes.

Lately, it feels like LinkedIn has drifted away from what made it valuable in the first place. This platform was built for professionals—to share ideas, learn from one another, build relationships, and create opportunities. It was never meant to mirror the same political noise we see everywhere else. Regardless of where anyone stands politically, there are plenty of other places to have those conversations. Here, we should be focused on: • Learning from our peers • Sharing insights and experiences • Supporting one another’s growth • Building meaningful professional relationships The best part of LinkedIn has always been the ability to connect with people who may think differently than we do—and still find common ground through business, ideas, and mutual respect. Let’s get back to that. 👉 If you agree, drop a comment with one thing you’ve learned from someone in your network—or share a post that added value to your business recently. Let’s start filling the feed with more of what actually helps us grow.