NAPA offers insurance agents and agencies comprehensive coverage options for claims made and reported errors and omissions insurance. (877) 524-0265 Monday – Thursday: 8 AM – 6 PM ET. 4,964 likes · 3 talking about this · 11 were here. Successful insurance agents don’t generate high sales volume by accident. Errors and Omissions Insurance (E&O) FREE Continuing Education (CE) Voucher; Health Insurance; Life Insurance NAPA Benefits Center offers discounted health benefits for NAPA Owners and their employees through the Blue & Gold Automotive Health Trust. $0 Physical therapy * $0 Ambulance $0 . $1 Million per claim / $1 Million annual aggregate. Consistent with their philosophy of providing valuable benefits to their members, NAPA in 2015 selected INVISUS as their cybersecurity partner. . Pension plan was only fair it took 8 years before I could afford it cos pay was so very low from 1998 to 2006 and taxes were high. Ensure only the recipient has access to attachments. No business or organization is immune. Lakewood Ranch, FL 34202-4180. As the name suggest it’s an agreed level of. 75 down and $28. m. How are we doing? We take your feedback seriously. Monday—Thursday, 8:00 AM - 6:00 PM ET. Enter NAPA’s Errors & Omissions (E&O) Insurance, which protects insurance agents and agencies against client lawsuits for as low as $26. In addition to the premium for an Errors & Omissions insurance policy, there could be other costs, too. View all MVQ SavingsZoo. org. Current and former employees report that National Veterinary Associates provides the following benefits. gov or call them at 1-800-318-2596. COVID-19 has produced a surprising upside: a surge in new business formation, especially of small firms. $1 Million per claim / $3 Million annual aggregate. Found. Insurance Agent Interests. napa-benefits. , Feb. Jun 02, 2010 2:06 pm EDT. Working as a freelancer brings a lot of flexibility to work that many people would never give up. (800) 593-7657. A community benefit is an initiative, program or activity that provides treatment or promotes health and healing as a response to identified community needs and meets at least one of the following community benefit objectives: a. Job openings are posted on the MATA career opportunities portal (click box below). National Association of Professional Agents Profile and History. NAPA Benefits. And because we get asked this a lot, we thought we could help with questions about tax forms. But awareness of life insurance could still use strengthening, according to. Pricing Information. This an open invitation to all veterans of Napa County, and especially Vietnam veterans. Napa County, CA | Official WebsiteWelcome to NAPA, the National Association of Professional Agents. Learn more about the NAPA Errors and Omissions (E&O) insurance program. 55, THEY WERE NOT AUTHORIZED I'M FILING A CLAIM. Napa County, CA | Official Website Trusted Benefits Provider Since 1989. To qualify for AIP membership, an agent must have at least one case with at a minimum of $2,500 in new account sales, or a minimum inception-to-date total net sales credits of 10,000. Trusted Benefits Provider Since 1989 Toggle navigation. $15 . Get protected in less than 5 minutes and instant proof of insurance from an "A" rated carrier. To access your SavingSmart benefits, simply log in here. Insurance agents used to view sales. Review updated: Feb 17, 2021. 10/13/2023 How Telehealth Can Support Business Growth and Long-Term Care for Your Insurance Clients; 08/25/2023 Can Healthcare Insurance Costs Be Controlled by. thru Thur. Complete your due diligence. . $1 Million per claim / $3 Million annual aggregate. Here are a few: 1. Silicone is a rubber (MVQ), which can be used for O-rings, gaskets and special seals. Securing Your RIA With NAPA Premier. The Memphis Area Transit Authority is managed and operated by Mid-South Transportation Management, Inc. Member Savings & Discounts Health & Wellness Benefits Grow Your Business. Proof of insurance can be a sales tool for winning more business. It is now possible to have a. Restrict unwanted printing and forwarding. org: Rating: 4. If you have questions, concerns or would like more information about NAPA benefits and services, please contact the NAPA Customer Care Center. Quick guides, in-depth articles and helpful resources. . Member Signature: Date: Work wellbeing score is 69 out of 100. Quote and Apply for Life Insurance Online - YouTube. Photos 2. For an additional fee, agents can also purchase E&O insurance to protect themselves if they sell investments and other financial products. Insurance Agent Interests. Not all insurers are created equal. There are approximately 11,000 veterans in Napa County. Just learn from their experience and revise. Email. Visit our website at LightSpeed VT Knowledge Base. NAPA Benefits Center 1-844-NAPA-123 (1-844-6272-123) Robert Colebeck - 678-528-2973. Insurance agents can develop ideal client personas for their business to better target marketing efforts and content creation and even improve the tailoring of policies. Access to. 75. Plans to put multifamily homes on the hill have led to disagreement between the city and Napa County Airport Land Use Commission. And you may be looking to raise. Download the MyBenefits. Gallagher analyzes and compares plans from the major insurance carriers and offers a wide range of professional. The new product offerings include comprehensive E&O coverage options for Life & Health Agencies as well as Property & Casualty Agents and Agencies. New NAPA E&O coverage options for L&H Agencies and P&C Agents and Agencies! • Low Rates! • A-Rated Carriers • Instant Certificates • Monthly Payment Options • Fast, Easy Online Enrollment •. Write a different CV for each job application to show you meet specific job demands. Last Name. Minimum Viable Product is a well known and frequently written about concept, Minimum Viable Quality however is much less we discussed. Otherwise, anytime you purchase E&O Insurance from NAPA, certificates are available for instant download. Log In. LAKEWOOD RANCH, FL / ACCESSWIRE / November 7, 2023 / NAPA, the National Association of Professional Agents, announces program enhancements to property and casualty (P&C) and life and health (L&H. Speak to an expert at your local NAPA store for advice on changing your air filter, cabin filter, fuel filter or oil filter. Studies have shown that sleep plays an important role in storing memories. NAPA PREMIER CLU and ChFC E&O Program Errors & Omissions Insurance for Individual IARs And Advisors, RIA Firms And LLCs And Corporations, Registered Rep - Series 7 Only, Life And Health Agents With Series 7, Life And Health Agents With Series 6. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitView the events that NAPA will be attending. . Return this completed form to NAPA by fax to 800-411-4771 or by mail to, 8430 Enterprise Circle, Lakewood Ranch, FL 34202. 99 reviews about benefits at NAPA Auto Parts. Sign in Use your HealthSafe ID TM existing credentials to sign in. 8am to 6pm ET. The capacity of the refinery is expected to remain the same as 32. Discover the vessel's particulars, including capacity, machinery, photos and ownership. Defense costs reduce the limit of liability and are subject to the retention. org. Enter your username and password to login. Call Toll-Free: (800) 593-7657 Visit NAPA online: Featured NAPA Benefits and Services Help keep your entire family safe with MetLife Defender Identity Protection. . National Association of Professional Agents (NAPA) Insurance Lakewood Ranch, FL 2,581 followers E&O Insurance and Benefit Solutions for Insurance Agents, Agencies and Financial Investment Advisors. with $ 144. Created Mar 1, 2022. thru Thur. Insurance Agent Interests. 92 down. 5If you’re looking to reach the government website (which is not us), you can visit healthcare. . NAPA BenefitsNAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitAfter the sale, you may contact us to request service on your policy, file a claim or request information about your NAPA benefits. Learn. Call Toll-Free: (800) 593-7657 Visit NAPA online: Featured NAPA Benefits and Services Help keep your entire family safe with MetLife Defender Identity Protection. $7 . Start with these five essential tips and build from there. Are you ready to capitalize on this. I inform NAPA in writing. Working as a freelancer brings a lot of flexibility to work that many people would never give up. What Pension Plan benefit do NAPA Auto Parts employees get? NAPA Auto Parts Pension Plan, reported anonymously by NAPA Auto Parts. Apply Now. Trusted Insurance Agent Benefits Provider Since 1989. per day for days 1 through 20 • $100. m. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitNAPA Benefits. Before you can use your Section 8 benefits, you need to make sure the house or apartment meets program standards. E&O Insurance For Insurance Agents. We would like to show you a description here but the site won’t allow us. Carriers offer the most competitive rates and coverage options to NAPA members. 5 out of 5 stars. Where: Napa County Library - CommunityYour Guide to the Section 8 Inspection. Quote and Apply for Life Insurance Online - YouTube. Industry leader in errors & omissions programs. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitNAPA Premier Errors & Omissions Insurance for Individual IARs And Advisors & RIA Firms And LLCs And Corporations. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and. Last updated months ago. The BCS Agent E&O program began in 1995 and has since developed into one of the strongest life and health agent E&O insurance programs in the country. to 10:00 p. NAPA offers insurance agents and agencies comprehensive coverage options for claims made and reported errors and omissions insurance. LightSpeed VT Knowledge Base. NAPA E&O insurance provides life and health and property and casualty insurance agents access to comprehensive E&O coverage options and low monthly rates. Friday 9 AM - 5 PM ET. Learn more about NAPA's extensive portfolio of agent benefits and services by visiting. Get Directions. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitNAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitWe would like to show you a description here but the site won’t allow us. 8:00 AM - 6:00 PM. Insurance agents are in the business to serve— your communities and, of course, your clients. The key use of this material is in static seals employed in a wide (-75° F to +450° F) range of temperatures. 5 If you’re looking to reach the government website (which is not us), you can visit healthcare. As the NAPA preferred provider for Insurance and. You can also find other State Farm on MapQuestLife Insurance Quote & Bind. gov. Punitive damages are not covered by the policy. $5. 5 out of 5 stars. This E&O Insurance program is administered by NAPA. Learn how to do it here. 8am to 6pm ET. Home; NAPA Benefits . 62. 593. Instantly compare Term-Life Insurance quotes from dozens of leading companies online. 360 Coverage Pros provides innovative insurance and benefit solutions for professionals, affinity groups and associations About 360 Coverage Pros × Notice: Our customer care center will be closed on Thursday, November 23rd, 2023 through Friday, November 24th, 2023 in observance of Thanksgiving. Search. The Nonqualified Plan Advisor (NQPA™) credential – developed by some of the nation’s leading advisors and retirement plan experts – demonstrates your knowledge, expertise, and commitment to working with nonqualified deferred compensation and nonqualified executive compensation plans. comIf you’re running your agency using paper forms and manual procedures, it’s time to consider the benefits of using a computerized insurance. Windows computer or Mac? iPhone or Android? Domestic or foreign car? So many decisions in life revolve around “great debates. com COST SAVINGS MARKETING PROCESS IMPROVEMENT Discounts and Ways to Save Shop Efficiency,Training and Recruitment Increase. NAPA Auto Parts Who is eligible? You are eligible for Voluntary Long Term Disability (VLTD) coverage if you are an active employee in the United States working a minimum of 30 hours per week. CLUB HOURS MONDAY-FRIDAY 5AM-9PM / SATURDAY 7AM-7PM / SUNDAY 8AM-7PM 707. How are we doing? We take your feedback seriously. Vouchers never expire until redeemed through Quest CE. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitNAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses!. Get Directions. Eastern Time, Monday through Saturday and Sunday 9:00 a. 10/13/2023 How Telehealth Can Support Business Growth and Long-Term Care for Your Insurance. We’re pleased to bring you a new, complimentary benefit: an annual. Compare. We’re now most of the way through 2015 and the effects of the Affordable Care Act. Low-Temperature Tolerance: Up to -100° C. Flexibility at work 14 reviews. per visit • Outpatient individual therapy . Home; NAPA Benefits . Our Automated Referral Intelligence solves the referral problem at the cause – human behavior. There are two primary reasons for this. Member Savings & Discounts. 50 1 5, 519. A listing of resources for Social Security's benefits. 35:. Member Savings & Discounts Health & Wellness Benefits Grow Your Business. Effective March 1, 2022, the NAPA agent E&O program will start at the new low rate of just $26. 5428 NAPA Truck Service Center Over the Road WarrantyNAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitE&O insurance not only mitigates risks, it helps you pursue sales opportunities. com - Unauthorized charges to my credit card. NAPA provides American Senior Benefits E&O Insurance plus access to valuable benefits & services for insurance and financial professionals. Member Savings & Discounts Health & Wellness Benefits Grow Your Business. Materials and supply Napa and California sales taxes. Gallagher Affinity is an experienced industry leader ready to provide your membership with affinity marketing and association benefit solutions. 75. 00 administration fee. 66 per hour. . com COST SAVINGS MARKETING PROCESS IMPROVEMENT Discounts and Ways to Save Shop Efficiency,Training and Recruitment Increase Car Count and AROCareer Agent Benefits. SHOP FILTERS. Established in 1989. You Might Also Consider. E&O insurance covers all types of insurance agents, including those who sell life, health and property and casualty insurance, annuities or Medicare policies. ×. Our story is one of innovation and unsurpassed customer service. The ability to say "no" to tasks that aren't worth the time, the rewards of building relationships with new and existing clients, and the different opportunities that. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitMarketing an insurance agency isn’t a simple task. North American Partners In Anesthesia benefits and perks, including insurance benefits, retirement benefits, and vacation policy. Suggest an edit. , Ph. Member Savings & Discounts Health & Wellness Benefits Grow Your Business. MVQ SavingsZoo. Coverage Limits. VI. Why? Because the numbers are so big. Keep in mind that you're an expert in your business - you're not necessarily an expert (nor are you expected to be one) in a topic as complicated and as versatile as employee benefits packages. to 11:00 p. L M. 22 for a celebration that combined great music, fine food andRetired by Washington State Ferries, acquired by Golden Gate Ferry, refitted; in service 2009-present (2021). 59 reviews from NAPA Auto Parts employees about working as a Warehouse Worker at NAPA Auto Parts. Calls are free to this number. All certificates of insurance issued under this policy will renew January 1st. Per benefit period: • $0. At the time of enrollment, each agent will be. Headquarters. Current and former employees report that National Veterinary Associates provides the following benefits. Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with simulated exams and certificate exams; Access BenefitAs the 2018 Affordable Care Act (ACA) enrollment clock ticks down to its December 15, 2017 conclusion, agents across America are asking themselves. More than 200 guests helped raise well over $200,000 at The Grove at Silverado Resort & Spa on Aug. thru Thur. They do so because they channel their personality traits and behaviors in. Life & Health Agent E&O Insurance. Overview of Warranty Programs, page 4 Introduction 800. Program membership is open to all eligible retail customers of participating NAPA AUTO PARTS Stores ("Participating Stores") who reside in the United States and Puerto Rico and are at least 16 years old. Learn more about NAPA’s extensive portfolio of benefits and insurance program options. Care At It's Finest. 85 to. Price competition is the. A nap can help you remember things learned earlier in the day as much as a full night. NAPA E&O starts at Just $26. 8 miles away from NAPA Auto Parts. The National Association of Professional Agents (NAPA) offers direct access to a full line of insurance benefits and professional services tailored to the unique needs of insurance and financial professionals. Discover the vessel's particulars, including capacity, machinery, photos and ownership. 42 per month. NAPA, Bradenton, FL. The refinery, which started operations in 2004, has an NCI of 2. Lift Team Technician / Medical Assistant (Former Employee) - Napa, CA - November 29, 2014. This plan is designed exclusively for agents and brokers of Colonial Life and helps to protect against claims arising from the sale and servicing of insurance products. Send Us A Message! Send Us A Message! * indicates a required field. NAPA Benefits. Former Parts professional in Minneapolis, MN, Minnesota. . The. 75 a month or a one time payment of $325. Life app*, or E-mail Human Resources at [email protected] breaches, like taxes, are inevitable. It Can Improve Your Memory. Chat. 35:. Napa County Mini Benefits Fair and Flu Shot Clinic* When: Thursday, October 6, 2022 1:00 pm –4:00 pm. Return this completed form to NAPA by fax to 800-411-4771 or by mail to, 8430 Enterprise Circle, Lakewood Ranch, FL 34202. Pension plan was only fair it took 8 years before I could afford it cos pay was so very. Patient care and satisfaction are the focal point of all that call "the Queen" their place of employment. 2 /16. org. $2 Million per claim / $2 Million annual aggregate. NAPA Auto Parts Who is eligible? You are eligible for Voluntary Long Term Disability (VLTD) coverage if you are an active employee in the United States working a minimum of 30 hours per week. Frustrated? Don’t be. 78 per hour. 3. Advisors who earn their NQPA™ demonstrate the. Notice: Our customer care center will be closed on Thursday, November 23rd, 2023 through Friday, November 24th, 2023 in observance of Thanksgiving. AES 256 bit Message security. Vouchers never expire until redeemed through Quest CE. Leave 23 reviews. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitNAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitA view of Oat Hill in American Canyon from near Highway 29. 9300. 8430 Enterprise Cir Bradenton FL 34202 (800) 593-7657. Reduce inventory of replacement parts and quarter-turn valves. 2. Get Directions. Resolved. August 03, 2023. It may not be complete. Phone Number. . 452. Learn more about the NAPA Errors and Omissions (E&O) insurance program. Accessibility, Disability and Accommodation. You head to your office, only to find it empty. Not only is it one of the essential attributes your clients look for in a good insurance agent, but it can. Such fees generally add another $1,163. For Professional Liability Insurance (Errors & Omissions), please contact: or call 800-593-7657 (Mon. com - Unauthorized charge 2. 39. NAPA Benefits. NAPA Benefits. It may not be complete. In addition, NAPA policyholders also receive a free continuing education voucher, a free magazine subscription and access to discounted. $2 . NAPA offers a professional liability insurance program to cover you in the event of a client claim. Admitted carriers may provide greater financial protections than non-admitted ones. E. per visit. All benefits 99 reviews. pricing and information on NAPA member benefits, please call 800. LightSpeed VT Knowledge Base. Sep 3, 2019. Monday—Thursday, 8:00 AM - 6:00 PM ET. Complete a customer satisfaction survey to help us better serve you. Quick guides, in-depth articles and helpful resources. NAPA members are eligible for one Free voucher every 20 months. . Nov 15, 2020. Visit to learn more! #VinitechSifel2022…Go to NAPA. Important State Amendatory Endorsements. These factors include the policy’s deductible, the per occurrence coverage limit, and the annual aggregate coverage limit. According to The 2020 State of Remote Work a Buffer and AngelList study, employees highly appreciate the opportunity to work from home (or other offsite location). Instant Proof of E&O Insurance. 8. Financial Planning for Freelancers and Workers in the Gig Economy. For help with courses and any post-registration assistance, contact Quest CE at (877) 593-3366 or. to AAA Members. It is a non integrated refinery owned by Trafigura Group and others. css">The prospect of losing everything and/or of having to go deeply into debt to satisfy a court judgment is a troubling one for most agents and advisors. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitThis Errors and Omissions Insurance Plan is designed exclusively for agents of Independent Agents of Combined Insurance Company of America and Combined Life Insurance Company of New York (CLICLY) and helps to protect against claims arising from the sale and servicing of insurance products. Trusted Benefits Provider Since 1989. Market Versus Quote - MVQ: A comparison between the last price at which a security traded and the most recent bid and ask prices. Connect. President, Prairie Contractors LLC. . 00 monthly collection fee. General. Effective January 1, 2022, behavioral health and substance abuse services for Medicare and. 5 ft (1. $25 Gift Cards For Just $3 Car Rental Discounts FREE Continuing Education (CE) Voucher Office Supply Discounts Personal Computer Discounts Prelicensing Training Courses Savings & Discounts Program Shipping Discounts Wyndham Hotel Discount. org. Exploring sustainability efforts and practices in Bordeaux at Les Vignerons de Tutiac. 00. Once redeemed, students have one year to complete their CE credits. If you’re planning to sell your business, watch out for the E&O coverage gap. Sponsored. If you're looking to stay up-to-date with industry trends, check out the benefits NAPA has to offer. Benefit Information If currently offering benefits, when is your renewal date? When would you like your NAPA benefits to begin? Additional Information Which of the following. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and. Call 1-855-542-1710 to schedule an appointment. 34: Employee Benefits Quick Reference Guide. E&O AGENTS Protect yourself and your business with E&O Insurance from NAPA for Aflac. 3. For help with courses and any post-registration assistance, contact Quest CE at (877) 593-3366 or. 25/month from NAPA. To verify this, a local public housing agency (PHA) representative. . 10/13/2023 How Telehealth Can Support Business Growth and Long-Term Care for Your Insurance Clients;Car Rental Discounts. Home. NAPA membership includes a FREE Quest CE voucher to meet your online insurance license state-required CE courses! Meet your entire insurance license CE requirements online; Mobile compatible; Online courses, with chapter quizzes, exams certificates of completion; Available in all 50 states; Access BenefitHow do I manage my account settings? - Website - NAPA FAQ. Friday: 9 AM – 5 PM ET. m. 8430 Enterprise Cir STE 200. Apply online in minutes. ×. Reported anonymously by North. Insurance, Health & Wellness Financial & Retirement Family & Parenting Vacation & Time Off. News. 10/13/2023 How Telehealth Can Support Business Growth and Long-Term Care for Your Insurance Clients;Trusted Benefits Provider Since 1989. The Section 8 inspection is an important step you need to complete before you can begin using your program voucher. Vitamin K: Napa cabbage is rich in vitamin K, which can promote healthy, strong bones. Either of these targets must be met in the agent's first 52 weeks of appointment with Colonial Life. Maximum Hot Air Exposure Temperature Tolerance: 300° C. , voted overwhelmingly in favor of ratifying a new three-year contract on August 2, 2023, winning protections to improve patient safety and nurse retention, announced California Nurses Association/National Nurses United (CNA/NNU). NAPA's original business model still holds true today: An association that brings benefits, services and knowledge to the independent insurance agent. NAPA provides Life Insurance Company of Alabama E&O Insurance plus access to valuable benefits & services for insurance and financial professionals. Countless organizations have benefited from Gallagher Affinity’s unique understanding of the member-based group benefit needs. $7 .