Welcome!
Our office is committed to providing quality benefit programs. With over 30 years of experience in the benefits marketplace, we pride ourselves in offering excellent service to our clients.
Please browse our site for more information.
Our Carriers
Visit any of the links below to find out more about some of our preferred carriers. If your carrier of interest is not listed below, please contact us for more information about our other carriers.
Kevin B. McGrath AIF ®
Investments & 401(k)
Securities offered through Mutual Service Corporation. Mutual Service Corporation and LPL Financial are affiliated companies and are members of FINRA/SIPC. McGrath Companies Inc. and McGrath Insurance Brokerage Inc. are not affiliated with Mutual Service Corporation or LPL Financial.
Massachusetts Health Connector
Visit the Mass. Health Connector website
Download the 2009 HIRD Form
Health Care Reform is Massachusetts’ plan to reduce the number of people in our state who have no health insurance. It became law on April 12, 2006. There were 400,000 to 650,000 Massachusetts residents without health insurance at that time according to state and federal surveys.
COBRA Law Changes
ARRA (The American Recovery and Reinvestment Act of 2009) mandates that plans notify certain current and former participants and beneficiaries about the premium reduction. This notice must be provided by April 18, 2009.
The Department of Labor has created model notices to help plans and individuals comply with these requirements. Each model notice is designed for a particular group of qualified beneficiaries and contains information to help satisfy ARRA’s notice provisions.
The following notices apply to employer groups with 20 + employees on payroll:
Plans subject to the Federal COBRA provisions must send the Notice in Connection with Extended Election Periods to any assistance eligible individual (or any individual who would be an assistance eligible individual if a COBRA continuation election were in effect) who:
1. Had a qualifying event at any time from September 1, 2008 through February 16, 2009; and
2. Either did not elect COBRA continuation coverage, or who elected it but subsequently discontinued COBRA.
This notice includes information on ARRA’s additional election opportunity, as well as premium reduction information.
2009 COBRA Documents:
The following notice applies to employers with 19 or less employees on payroll who are subject to state "mini-COBRA" laws:
Plans that provide group health insurance coverage must send the Alternative Notice to persons who became eligible for continuation coverage under a State law. Continuation coverage requirements vary among States, and issuers should modify this model notice as necessary to conform it to the applicable State law.
2009 COBRA Documents: