https://www.cotinuum.com/blog daily 0.75 2021-01-13 https://www.cotinuum.com/blog/pelotoncompanywellnessgamechanger monthly 0.5 2021-01-13 https://www.cotinuum.com/blog/blog-post-title-two-crdbp monthly 0.5 2020-05-19 https://www.cotinuum.com/blog/blog-post-title-three-skjd8 monthly 0.5 2020-05-19 https://www.cotinuum.com/blog/blog-post-title-four-a9rkr monthly 0.5 2020-05-19 https://www.cotinuum.com/blog/category/Exercise monthly 0.5 https://www.cotinuum.com/blog/category/Wellness monthly 0.5 https://www.cotinuum.com/blog/category/Employee+Benefits monthly 0.5 https://www.cotinuum.com/home daily 1.0 2024-08-30 https://www.cotinuum.com/knowledge-center daily 0.75 2020-09-10 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1597701944075-TRUWJA5IGDJS9JIQAGWK/0001.jpg Knowledge Center https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1597691796885-N7INIBI5HXJ06FGYTKG3/0001.jpg Knowledge Center https://www.cotinuum.com/human-resources daily 0.75 2020-09-10 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596140621150-9IFC06W01YC7QXVX97PM/shutterstock_1606120330.jpg Human Resources - Compliance Keeping compliant with state and federal regulations is a challenge. We have resources to ease that burden and ensure timely adherence to reporting requirements. Operational requirements such as COBRA administration and mandated training can be facilitated as well. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596142703300-G2R23XOZEHHWPL5RK67B/shutterstock_1646694121.jpg Human Resources - Human Resources Programs Today’s HR professional is charged with carrying out a wide range of responsibilities and roles. We have resources to assist with HR duties from communications to handbooks, onboarding, training, and procedures. Training and workshop resources range from mandated courses to diversity, equity, and inclusion through our vetted partners. We’ll work to appropriate the best solution for your needs form our ecosystem of partners, saving you time and the hassle of legwork. https://www.cotinuum.com/wellnessprograms daily 0.75 2020-09-10 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596654786911-77YK94230VJP2OAA4CAS/shutterstock_1606546549.jpg Wellness Programs https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596654850422-FN3IDN0YSY84JXQCGOPF/shutterstock_1653287719.jpg Wellness Programs https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596654458604-9V3XBRY8591M2KRDEOHN/shutterstock_1660546054.jpg Wellness Programs https://www.cotinuum.com/about daily 0.75 2025-10-23 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1597766121116-HE7Y7P09GBH0A8KW4P30/Peter%5B1%5D.jpg About - Peter Waitzman Peter brings a wealth of experience to Cotinuum in individual insurance, financial wellness, and marketing and social media. Passionate about personal finance, he has written on financial wellness and developed financial wellbeing programs for employers and even developed a mentoring program for independent financial coaches. Peter holds a bachelor’s degree in economics from Northwestern University. He has worked in consulting, banking, and investment management in addition to his employee benefits and insurance experience. He has been a featured speaker at financial conferences and is dedicated to sharing financial strategies to improve financial wellbeing and help everyone pursue financial independence. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1597848825862-VMJDR1EJXCPV6TD3ZJ8T/shutterstock_1749905921.jpg About - About Cotinuum, LLC Cotinuum aims to serve the needs of small and medium-sized employers, their employees and others in a differentiated and unique way. Our focus is strategic so our collaboration with you starts with listening. By taking the time to understand where you are and where you want to go we’ll work with you on a plan forward. And if your vision for the future is unclear, we’ll take the time to help reveal the pathways that may make sense, and set the right course for now. Because these times are dynamic, we’ll revisit your strategy and priorities periodically to make small adjustments or wholesale pivots - all in the context of what makes sense at the time. Set-up a consultation today so we can get started. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1597762050176-UZAU84C2BAJ744IQEC45/David-web.jpg About - David Flores Dave spent over 30 years on the carrier side of the employee benefits industry before founding Cotinuum, LLC. With roles in sales, marketing, product development, and innovation, Dave was on the frontline of industry trends. His unique experience brings a wealth of value to Cotinuum’s clients who choose to work with Dave, and his associates, for their strategic focus, creativity, and holistic approach. Dave was born and raised in the Chicago area, which he continues to call home today. He is a graduate of Northwestern University. Dave maintains a resident Life and Health insurance license in Illinois, and a non-resident license in several other states. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1598470027875-6R7M0YUNHXOA71VDSC8E/shutterstock_717277381.jpg About - Working with us - Individuals Navigating the world of individual insurance coverage can be confusing and frustrating. By listening and learning about your situation we’ll help you break it all down, address your questions, and find you the solution(s) that make sense. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1598310294346-WELYPXHLCHALA4L2GQ2O/shutterstock_1436383817.jpg About - Working with us - Employers Collaboration with you is a key approach we take right from the start. When you schedule a consultation with us, we’ll take the time to listen to what brought you to us, ask a bunch of questions, and propose moving on to the remaining steps in the process. Step 1: Initial Consultation We’ll briefly discuss what’s top of mind and your goals and objectives. We’ll discuss what working together might look like, and if we decide it makes sense, we’ll move to the next step. Step 2: Discovery The discovery call is an in-depth discussion on the “as-is” as well as what may come next for your program and future strategies. This session will rely on documentation of your present situation as well as a strategic discussion of your organization, it’s challenges and opportunities, and the role your employees and their support structures can contribute to moving the vision forward. Step 3: Proposal We’ll propose a plan of action based on our discovery findings, including a timeline, milestones, and even implementation details like communications. In moving forward, we’ll modify the plan as needed and then formalize our partnership with you. Our fees are typically covered by commissions from the products you purchase. However, we’ll be transparent and up-front about specific consulting fees on projects not tied to commissionable products. Step 4: Delivery / Implementation We will review with you the results of our work, financial analysis, and other considerations relative to the programs under consideration. Moving to implementation, we’ll manage the process and ensure all parties are on task to ensure a successful program launch. Step 5: Ongoing Touch Points We’ll establish a regular cadence for checking in with you, evaluating what’s working and what’s not, as well as pushing forward on long term strategies - or pivots - to adapt and respond to an ever-changing landscape for your organization. https://www.cotinuum.com/service-support daily 0.75 2020-08-05 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596657313750-C25U8X2R03QZTGMZDLJU/shutterstock_1738498553.jpg Service & Support - Service and Support Collaboration with our clients is a core value at Cotinuum. We do more than source solutions, we work with you to enhance the value proposition with your employees so that they in turn are better equipped and supported to carry out your organization’s mission. A regular cadence of scheduled touch-points ensures we remain on track with agreed upon goals and priorities. Of course, our availability is not limited to pre-scheduled meetings. We are accessible at any time to help with what’s next. https://www.cotinuum.com/individuals-insurance daily 0.75 2024-07-13 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596680329307-487Z88F7I9E21NBMIEEI/shutterstock_490442929.jpg Individual Insurance - Individual Insurance Whether a life event has motivated the reevaluation of your insurance coverage or a transition from employer-sponsored coverage drives your need, making sense out of the insurance options available to you can be a challenge. We help you make sense out of the insurance landscape by taking the time to understand your situation and offering thoughtful recommendations to accomplish your goals. We offer expertise with respect to: Life insurance Annuities Disability insurance Long Term Care Individual Medical coverage, including short-term medical policies Medicare Supplement policies Medicare Advantage plans Financial security for you and those your care about most leads to peace of mind that only comes from knowing your insurance decisions are made in a thoughtful, comprehensive way. Schedule a consultation so we can help you plan for what’s next. https://www.cotinuum.com/getstarted daily 0.75 2021-02-19 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1608754576735-1FNDX5WW55E9DYHMJOV9/shutterstock_1606120330.jpg Get Started Let’s get started! Tell us what your interests are and what challenges you need help with. We’ll be in touch to listen, learn, and collaborate with you on a solution. If you are ready to schedule an initial call, please feel free to book a brief meeting using the calendar widget below. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1608754348324-Z9KT36KWXD6LPJJM2LZE/shutterstock_1463268326.jpg Get Started Sign-up for our free monthly newsletters designed for employer employee benefit plan sponsors. Employee newsletters can be forwarded to your workforce each month. https://www.cotinuum.com/employee-benefits daily 0.75 2020-09-09 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596123490291-COQ7S4JW9QX03XTTQRKL/shutterstock_1504547801.jpg Employee Benefits - Health Plans Your Health Plan is the core of your employee benefits program - it’s also the costliest. Through our discovery process we work to identify the best approach for your organization, your employees and their dependents. Our analysis and recommendations for you will balance a range of areas including coverage needs and provider access and identify the suitability of novel solutions like: Self-funding with stop loss Qualified High Deductible Health Plans/Health Savings Accounts Health Reimbursement arrangements Narrow/no-network arrangements Visit our knowledge center to learn more about these options or schedule a consultation with us to discuss how we can help. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596124966932-633G40784AHPBRLZU81V/shutterstock_604413377.jpg Employee Benefits - Ancillary and Voluntary Benefits Ancillary and Voluntary Benefits extend the financial safety net that medical coverage provides. Our approach helps you identify appropriate coverage levels in conjunction with other benefits offered, employee contribution strategies, and budgetary considerations for Ancillary Coverages like: Life and Accidental Death & Dismemberment Disability Dental Vision Voluntary Benefits allow you to sponsor coverage options to meet diverse employee needs. For example, a typical coverage like critical illness insurance can be offered alongside identity theft protection and pet insurance by allowing employees to enroll and pay for only those coverages of most value to them. We invest the time to understand the composition of your workforce in order to recommend the best array of options to offer without the administrative hassle. Our knowledge center has more information about available programs and how they can help round out your benefits portfolio. You can schedule a consultation with us at anytime - we’d love to discuss how we can help. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1596132715326-WEI37LVG76I41IK308S0/shutterstock_1401388802.jpg Employee Benefits - Benefits Administration Hassle-free benefits administration begins with online enrollment and communications that deliver a positive user experience. We work with reputable vendors to ensure your program runs smoothly but also provides you with the data and reporting to drive insights on how your programs are performing. Having a dedicated portal, customized for your organization, helps build connectivity between your workforce and easy access to the programs you offer. Adding payroll processing, time-off management, and other functions gives you a single source to manage key aspects of your employees’ experience. https://www.cotinuum.com/individual-health daily 0.75 2021-04-18 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1614811635538-43CLBAWYVW9BLF1UEDYK/cotinuum_TRANS_+Logo_White_BG_H_personal.png Individual & Family Health Insurance - Cotinuum is a health insurance agency based in Libertyville, Illinois. Whether you are located in Lake County, the Greater Chicago Area or elsewhere in Illinois, Wisconsin, Michigan, or South Carolina we can guide you to a health plan that meets your needs. We are certified with the Federal Marketplace (healthcare.gov) which means we can help you through what can be the confusing process of qualifying for premium / cost-share subsidies and feeling confident in picking the best plan for your needs. - David Flores, Founder & CEO https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1618756986112-50WT0PSRBY2IPNN21CR3/shutterstock_503727589.jpg Individual & Family Health Insurance - Want to do your own research? We can help you with every step of the process. But some people prefer to do their own research, and then speak to someone later, or perhaps never at all. If that appeals to you, visit our special site to explore if you qualify for a subsidy and how much it would be. Then you can explore health plan options in your area knowing what your cost would be - some people even qualify for no-cost coverage. You can apply online or come back to us to help you with the application. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1614970202070-GO3GKXB5O05HHQHQO72J/shutterstock_1687894510.jpg Individual & Family Health Insurance - There is nothing like the financial security of knowing that you’re covered. Special Open Enrollment ends August 15, 2021 - now is the time to get covered and take control of your health. What does “Special Open Enrollment“ mean? Normally, open enrollment happens at the end of the year. It’s the time when those covered by individual/family health plans can establish coverage or switch plans for any reason. Outside of Open Enrollment, a Qualifying Life Event such as expiring COBRA coverage or other loss of employer-sponsored group health plan coverage, the birth of a child, marriage or divorce, etc. is required in order to make a change. Because so many Americans lost their health insurance coverage during the COVID-19 pandemic, the Biden-Harris administration ordered a Special Open Enrollment period to run through May 15th to allow for more Americans to secure coverage outside of having a Qualifying Life Event. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1614976843458-BLKD5TDSQEHL8VFTTK76/shutterstock_1689338017.jpg Individual & Family Health Insurance - What Happens During a Consultation with Cotinuum? We take a personal approach to helping our clients secure the best health plan for their needs. The process starts with a consultation by phone or Zoom video call. During this brief meeting we will ask questions about your situation, understand you healthcare needs, and document your preferences for in-network hospitals and physicians. We will also gather household income information from you to determine if you or your family members are eligible for programs like Medicaid, CHIP, premium subsidies, or cost-sharing reductions. We will research the options available to you and respond back with a written summary of our findings. We can handle the application process with you should you decide to purchase coverage. https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/1614977608610-SNBPRRZM2B7HC2TE6S35/shutterstock_490442929.jpg Individual & Family Health Insurance https://www.cotinuum.com/cognida daily 0.75 2024-12-17 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/7e47181b-fd9c-4ec7-8217-1cd4b7f2a8db/shutterstock_490442929.jpg Cognida Payroll & Benefits - Employee Benefits Form https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/61857d92-f115-4906-82de-14ca4807bf29/Meds+shutterstock_143469949.jpg Cognida Payroll & Benefits - Critical Illness https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/ab493716-c744-425d-9622-1f684aba4764/shutterstock_1898282671.jpg Cognida Payroll & Benefits - Hospital Indemnity https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/0a0d90a4-dec4-41df-895b-aa7537dafc43/shutterstock_59587006.jpg Cognida Payroll & Benefits - Accident Indemnity https://www.cotinuum.com/medicare-programs daily 0.75 2024-06-29 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/94673bbb-e1bd-43e3-b582-766f5da9b2f8/shutterstock_1890933646.jpg https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/3fc511bb-5bac-41d4-81a6-2fba00742fda/2121374888-huge.jpg https://www.cotinuum.com/planes-de-medicare daily 0.75 2023-10-09 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/a570b67e-8f30-44a3-a30a-5cf5dc4a2824/shutterstock_1890933646.jpg https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/3fc511bb-5bac-41d4-81a6-2fba00742fda/2121374888-huge.jpg https://www.cotinuum.com/acaconsentform daily 0.75 2023-10-06 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/f1d0df1e-d718-40a1-b59b-b1bd288033b7/shutterstock_1653287719.jpg https://www.cotinuum.com/medicare-meetings-fall-2023 daily 0.75 2023-09-27 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/f264f39c-4c5f-49ec-a48c-851d528b74db/2121374888-huge.jpg https://www.cotinuum.com/webinar-series daily 0.75 2023-10-01 https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/24483e86-2169-406c-9377-9deca083a869/shutterstock_1681615609.jpg https://images.squarespace-cdn.com/content/v1/5f0c7ccb228be04dc967be02/6a2e219e-24eb-49c2-bf4f-5803e8f0d075/shutterstock_1034667373.jpg https://www.cotinuum.com/grand-dominion-registration daily 0.75 2023-10-13