Matt Clifford
Manager of Underwriting & Data Analytics
Matt received his Bachelors of Science in Accounting from the University of Kentucky and has been with Bim Group over 8 years as a financial analyst/ underwriter. Matt is the team lead of our analytics department, and is responsible for developing and maintaining client financial reports which identify plan costs and utilization patterns to facilitate data driven decisions. He utilizes actuarial tools to analyze proposed carrier renewals to ensure clients pay a fair and equitable rate. Matt also works closely with our benefit consultants to model the impacts of plan modifications and funding changes in both fully insured and self-funded plan designs.
Recent Insights
When is a Plan an ERISA Plan?
READ TIME: 5 MINUTES Key Takeaways from Hansen v. Laboratory Corporation of America A short-term disability (STD) plan is not automatically covered under ERISA just because it’s included in an employer’s benefits package. Even if an employer treats the plan like an ERISA plan – such as including it in a wrap plan or on […]
Read moreCMS Updates Simplified Method for Determining Creditable Coverage Status for 2026
READ TIME: 6 MINUTES This month, the Centers for Medicare and Medicaid Services (CMS) announced final instructions for the changes to Medicare Part D prescription drug coverage mandated by the Inflation Reduction Act of 2022 (IRA) which will affect employer-sponsored plans in 2026. The changes are intended to enhance benefits and offer cost savings […]
Read moreImpact of Executive Order on Sex and Gender Identity
On January 20, 2025, the Trump administration issued an executive order redefining the terms sex, gender identity, and related concepts as they pertain to federal law and policy. These changes will affect compliance requirements across various employee benefit provisions and related regulations. Key Provisions of the Executive Order Revised Definitions The Executive Order revised the […]
Read moreRecent HIPAA Amendments and Proposed Regulations
In the last year, two significant HIPAA regulations were issued, impacting employer group health plans. This article summarizes the new rules – one under the privacy rule provisions and one under the security rule provisions – and what employers need to know about the current legal status of these rules and how to prepare for […]
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