{"login":false,"demo":{"agent_id":484,"group_id":486,"announcements":"<table><tbody><tr><th>Welcome to Your Benefit Smart Mobile Communication System<\/th><\/tr><tr><td>Our company is proud to introduce the 2MyBenes.com mobile app to bring all of your benefits information directly to you and your dependents on your SmartPhone, tablet, or computer. <br \/>\r\n<br \/>\r\nYou now have access to up to the minute information on all of your company benefits and company news. <\/td><\/tr><tr><th>Economic Alliance Port Region Petrochemical and Maritime Expo<\/th><\/tr><tr><td>Learn all about it: http:\/\/www.allianceportregion.com\/events\/pmoc2014\/<\/td><\/tr><\/tbody><\/table","policy":"<h2>ABC Corporation Benefit Plan<\/h2>\n<p><strong>Major Medical<\/strong><\/p>\n<p><em><strong>Blue Cross Blue Shield of Texas<\/strong><\/em><\/p>\n<p>Member Login: <a href=\"http:\/\/www.bcbstx.com\/member\">http:\/\/www.bcbstx.com\/member<\/a><\/p>\n<p><strong>Group #000987123GZP<\/strong><\/p>\n<p><!--more--><\/p>\n<p><a href=\"http:\/\/www.2mybenes.com\/wp-content\/uploads\/BCBSTX-Silver-610-Grp-Benefit-Summary.pdf\" target=\"_blank\">BCBSTX-Silver-610-Grp-Benefit-Summary.pdf<\/a><\/p>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><strong>Benefit Connection Gap Coverage<\/strong><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\">Benefit Connection is a GAP plan designed to complement major medical insurance plans by helping to cover out-of-pocket expenses, such as deductibles, copays and coinsurance. The base plan offers benefits to help cover hospital confinement stays. Optional benefits for outpatient treatment and\u00a0physician office visits\u00a0are also available, allowing employers to customize a plan for their employees.<\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\">\n<p>May be sold to any employer group that has a major medical policy in place for employees. This supplemental policy covers portions of the expenses employees and their families incur due to treatment of injuries and illnesses under their major medical insurance as a result of the application of deductibles and coinsurance.<br \/>\nThis product does not pay 100% of out\u2010of\u2010pocket expenses.<br \/>\nHighlights include:<\/p>\n<ul>\n<li>Reduces Out-of-Pocket Expenses due to high deductibles &amp; coinsurance maximums<\/li>\n<li>Employer Paid or Voluntary Participation<\/li>\n<li>Guaranteed Issue \u2013 No Medical Underwriting<\/li>\n<li>Hospital Confinement Benefit<\/li>\n<li>Out-Patient Benefit (2 options available)<\/li>\n<li>Optional Physician Office Visit Benefit<\/li>\n<li>Term Life and AD&amp;D available<\/li>\n<li>Critical Illness coverage\u00a0available<\/li>\n<li>A+ Rated Carrier*<\/li>\n<\/ul>\n<\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><strong>Critical Illness \u2013 $25,000.00<\/strong><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\">\n<p>\u00a0Critical Illness<br \/>\n(Policy Form No. W H1108 \u2013 Individual; G H1107\/G H1107C \u2013 Group)<\/p>\n<p>Critical Illness Insurance is designed to pay a lump sum to the insured upon diagnosis of specified diseases and illnesses. This product provides for the possibility of multiple payments by using a category approach.<\/p>\n<p><strong>Issue Ages:<\/strong>\u00a018 and over<\/p>\n<p><strong>Benefit Amounts:<\/strong>\u00a0$5,000-$100,000 \u2013 employee and spouse; $10,000 Children<\/p>\n<p><strong>Highlights:<\/strong>\u00a0Coverage can include spouse and children. Coverage begins immediately for all conditions except for Loss of Independent Living Benefit, Cancer Rider and Wellness Rider, each with 30-day waiting period. Coverage is portable. 100% of employee premium returned when insured dies of any cause (minus any benefits received). Multiple benefits may be paid for illnesses from the \u201cheart\/stroke\u201d category, the \u201cother illnesses\u201d category and the Cancer Rider.<\/p>\n<p>Four optional riders including Recurrence Benefit Rider<\/p>\n<\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\">Covered Health Conditions:<\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\">Heart Attack, Major Organ Transplant (heart or combination transplant, including heart), Stroke, Coronary Bypass Surgery, Angioplasty,\u00a0Advanced Alzheimer\u2019s Disease, Coma, Kidney (Renal) Failure, Major Organ Transplant not Covered in Category 1, Occupational HIV,\u00a0 Paralysis Not the Result of a Stroke, Severe Burns, Loss of Independent Living (ADLs),Invasive Cancer and Cancer in Situ<\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><strong>Dental Insurance<\/strong><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\"><strong>Delta Dental Group # 556043DPrem<\/strong><\/div>\n<div dir=\"ltr\" data-canvas-width=\"159.5840047559738\" data-font-name=\"g_font_p1_2\">\n<div>\n<div dir=\"ltr\" data-canvas-width=\"21.194667298316958\" data-font-name=\"g_font_54_0\">Greatest Patient Savings Least Patient Savings<\/div>\n<div dir=\"ltr\" data-canvas-width=\"73.72000351524353\" data-font-name=\"g_font_64_0\">Network Delta Dental<\/div>\n<div dir=\"ltr\" data-canvas-width=\"67.57333655548096\" data-font-name=\"g_font_64_0\">PPO dentist<\/div>\n<div dir=\"ltr\" data-canvas-width=\"87.54667084121706\" data-font-name=\"g_font_64_0\">Delta Dental Premier dentist<\/div>\n<div dir=\"ltr\" data-canvas-width=\"48.01066809749604\" data-font-name=\"g_font_54_0\">Non-participating dentist In-network<\/div>\n<div dir=\"ltr\" data-canvas-width=\"57.77706838855744\" data-font-name=\"g_font_54_0\">Non-network<\/div>\n<div dir=\"ltr\" data-canvas-width=\"104.06399999999998\" data-font-name=\"g_font_64_0\">Fee charged by dentist $1,000 $1,000 $1000<\/div>\n<div dir=\"ltr\" data-canvas-width=\"74.24000000000001\" data-font-name=\"g_font_64_0\">Maximum dentist can charge $710 $950<\/div>\n<div dir=\"ltr\" data-canvas-width=\"74.24000000000001\" data-font-name=\"g_font_64_0\">Unlimited Benefit percentage 50% 50% 50%<\/div>\n<div dir=\"ltr\" data-canvas-width=\"393.7824\" data-font-name=\"g_font_64_0\">Delta Dental pays $355 $475 $300<\/div>\n<div dir=\"ltr\" data-canvas-width=\"394.01120000000003\" data-font-name=\"g_font_64_0\">Patient Pays $355 $475 $700<\/div>\n<\/div>\n<\/div>\n","insurance":"<table><tbody><tr><th>BCBSTX<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.bcbstx.com\/member'>Major Medical ( QHP )<\/a><\/td><\/tr><tr><th>Benefit Connection<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.specialinc.com\/index.php?option=com'>GAP<\/a><\/td><\/tr><tr><th>Assurity<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.assurityatwork.com\/Employee#Produc'>Critical Illness<\/a><\/td><\/tr><tr><th>Gap\/Supplemental Insurance<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www,nassaubayagency.com'>GAP<\/a><\/td><\/tr><tr><th>Family Accident Insurance<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.gacquote.com\/quote\/quote_result.php?quote=nea24hour&AgentID=8121'>Accident<\/a><\/td><\/tr><tr><th>HCC Short Term Major Medical<\/th><\/tr><tr><td><a class='webapp' href='https:\/\/www.worldtrips.com\/quotes\/stm\/Secure\/Step1a.aspx?AgentId=236011-188'>Major Medical ( QHP )<\/a><\/td><\/tr><\/tbody><\/table>","providers":"<table><tbody><tr><th>Major Medical ( QHP )<\/th><\/tr><tr><td><a class='webapp' href='https:\/\/public.hcsc.net\/providerfinder\/search.do?corpEntCd=TX1&WT.svl=FADButton'>BCBSTX<\/a><\/td><\/tr><tr><th>GAP<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.specialinc.com\/index.php?option=com_content&view=article&id=34&Itemid=32'>Benefit Connection<\/a><\/td><\/tr><tr><th>Critical Illness<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.assurityatwork.com\/Employee#Products'>Assurity<\/a><\/td><\/tr><\/tbody><\/table>","teleDoc":"<p class=\"button\"><a href=\"http:\/\/www.2mybenes.com\/wp-content\/uploads\/MyMD-ASAP-FILLABLE-js.pdf\">My MD ASAP PDF<\/a><\/p>\n","media":"<table><tbody><tr><th>Media Files<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.2mybenes.com\/wp-content\/uploads\/BCBSTX-Group-Enrollment-App1.pdf'>BCBSTX Enrollment Application<\/a><\/td><\/tr><tr><td><a class='webapp' href='http:\/\/www.2mybenes.com\/wp-content\/uploads\/s606chc-Eng-Plan-description.pdf'>BCBSTX Bronze Plan 606<\/a><\/td><\/tr><tr><td><a class='webapp' href='http:\/\/www.2mybenes.com\/wp-content\/uploads\/BCBSTX-Silver-610-Grp-Benefit-Summary.pdf'>BCBSTX Silver610 Benefit Summary<\/a><\/td><\/tr><tr><td><a class='webapp' href='http:\/\/www.2mybenes.com\/wp-content\/uploads\/LASampleEmployeeHandbookRev08.pdf'>Sample Employee Handbook<\/a><\/td><\/tr><tr><td><a class='webapp' href='http:\/\/www.2mybenes.com\/wp-content\/uploads\/Small-Company-Health-and-Safety-Program-Manual.doc'>Sample Safety Manual<\/a><\/td><\/tr><tr><th>Video Files<\/th><\/tr><\/tbody><\/table>","links":"<table><tbody><tr><td><a class='webapp' href='http:\/\/www.google.com'>Google<\/a><\/td><\/tr><tr><td><a class='webapp' href='http:\/\/www.mymdanderson.com'>MDAnderson <\/a><\/td><\/tr><tr><td><a class='webapp' href='http:\/\/www,nassaubayagency.com'>Nassau Bay Agency LLC<\/a><\/td><\/tr><tr><td><a class='webapp' href=' http:\/\/www.2mybenes.com\/hca-healthcare\/'>HCA Hospital Group<\/a><\/td><\/tr><tr><td><a class='webapp' href=''><\/a><\/td><\/tr><\/tbody><\/table>","enrollment":"<table><tbody<tr><th>Major Medical ( QHP )<\/th><\/tr><tr><td><a class='webapp' href='https:\/\/www.worldtrips.com\/quotes\/stm\/Secure\/Step1a.aspx?AgentId=236011-188'>HCC Short Term Major Medical<\/a><\/td><\/tr><tr><th>Accident<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www.gacquote.com\/quote\/quote_result.php?quote=nea24hour&AgentID=8121'>Family Accident Insurance<\/a><\/td><\/tr><tr><th>GAP<\/th><\/tr><tr><td><a class='webapp' href='http:\/\/www,nassaubayagency.com'>Gap\/Supplemental Insurance<\/a><\/td><\/tr><\/tbody><\/table>"},"pages":{"terms":"<p>Terms of Use<\/p>\n<p>This web page represents a legal document and is the Terms of Use (Agreement) for our website, www.2MyBenes.com (Website).  By using our Website, you agree to fully comply with and be bound by the following Agreement each time you use our Website.  Please review the following terms carefully.    <\/p>\n<p>Our Services<br \/>\nOur Website offers the following services: mobile benefits communications system (Services).   <\/p>\n<p>Definitions<br \/>\nThe terms \u201cus\u201d or \u201cwe\u201d or \u201cour\u201d refers to Nassau Bay Agency LLC, the owner of this Website.  A \u201cVisitor\u201d is someone that merely browses our Website.  A \u201cMember\u201d is someone who has registered with our Website to use our Services.  The term \u201cUser\u201d is a collective identifier that refers to either a Visitor or a Member.<br \/>\nAll text, information, graphics, design, and data offered through our Website or Services, whether produced by our Members or by us, are collectively known as our \u201cContent\u201d.   We distinguish content posted by our Members as \u201cMember Content\u201d.<\/p>\n<p>Acceptance of Agreement<br \/>\nThis Agreement is between you and Nassau Bay Agency LLC.<br \/>\nTHIS AGREEMENT CONTAINS WARRANTY DISCLAIMERS AND OTHER PROVISIONS THAT LIMITS OUR LIABILITY TO YOU. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AND IN THEIR ENTIRETY, AS USING, ACCESSING AND\/OR BROWSING OUR WEBSITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO BE BOUND TO EACH AND EVERY TERM AND CONDITION SET FORTH HEREIN, PLEASE EXIT OUR WEBSITE IMMEDIATELY AND DO NOT USE, ACCESS AND\/OR BROWSE IT FURTHER.<br \/>\nExcept as otherwise noted, this Agreement constitutes the entire and only Agreement between you and Nassau Bay Agency LLC, and supersedes all other Agreements, representations, warranties and understandings with respect to our Website, Services, and the subject matter contained herein.  However, in order for you to use our Website and\/or Services, you may also be required to agree to additional terms and conditions. Those additional terms and conditions will be incorporated into this Agreement unless otherwise stated.<br \/>\nWe may amend this Agreement at any time without specific notice to you. The latest Agreement will be posted on our Website, and you should review this Agreement prior to using our Website. After any revisions to this Agreement are posted, you agree to be bound to any changes to this Agreement. Therefore, it is important for you to visit this page periodically to review the Agreement. Please read this Agreement carefully and save it.  If you do not accept this Agreement, do not access and use our Website. If you have already accessed our Website and do not accept this Agreement, you should immediately discontinue use of our Website and Services.<\/p>\n<p>Limited License<br \/>\nNassau Bay Agency LLC grants you a non-exclusive, non-transferable, revocable license to access and use our Website and Services strictly in accordance with this Agreement.  Your use of our Website and Services are solely for internal, personal, non-commercial purposes, unless otherwise provided in this Agreement.  No print out or electronic version of any part of our Website or Services may be used by you in any litigation or arbitration matter whatsoever under any circumstances.<\/p>\n<p>Legal Compliance<br \/>\nYou agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website, Content, Services, and any software provided therein.<\/p>\n<p>Our Relationship to You<br \/>\nThis Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and Nassau Bay Agency LLC.<\/p>\n<p>Our Intellectual Property<br \/>\nOur Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos.  Your use of our Website or Services does not constitute any right or license for you to use our service marks or trademarks, without the prior written permission of Nassau Bay Agency LLC.<br \/>\nOur Content, as found within our Website and Services, is protected under United States and foreign copyrights. The copying, redistribution, use or publication by you of any such Content, is strictly prohibited.  Your use of our Website and Services does not grant you any ownership rights to our Content.<\/p>\n<p>Digital Millennium Copyright Act Compliance<br \/>\nOur Website will respond quickly to claims of copyright infringement as found in our Content, according to the terms of the Digital Millennium Copyright Act of 1998 (DMCA) as found under United States law (17 USC. \u00a7 512).  If you believe any of your copyrights are infringed by our Content, please provide us with a written notice via mail, fax, or email that contains the following information:<br \/>\n1)\tAn electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;<br \/>\n2)\tA description of the copyrighted work that you claim has been infringed;<br \/>\n3)\tA description of where the material that you claim is infringing is located on our Website;<br \/>\n4)\tYour address, telephone number, and email address;<br \/>\n5)\tA statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and<br \/>\n6)\tA statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner\u2019s behalf.<br \/>\nWe are only required to respond to those notices that substantially comply with the above requirements.  We will investigate your claim and will notify by the method of contact you used to file your notice with us.<\/p>\n<p>Eligibility and Registration for Membership<br \/>\nTo use our Services, you must register with our Website to become a Member.  Your Membership is not transferable or assignable and is void where prohibited. This is intended solely for Users who are at least age (18) years of age or older.<br \/>\nAny registration by, use of or access to our Website by anyone under such, is unauthorized, unlicensed and in violation of these Terms of Use. By using our Website and\/or Service, you represent and warrant that you are ## or older and that you agree to and to abide by all of the terms and conditions of this Agreement.  Nassau Bay Agency LLC has sole right and discretion to determine whether to accept a Member, and may reject a Member\u2019s registration, with or without explanation.<br \/>\nWhen you complete the registration process, you will receive a password that will allow you to access our Services. You agree to maintain the confidentiality of your password and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality and all activities that occur through the use of your password.<br \/>\nYou agree to immediately notify us of any authorized use of your password or any other breach of security. You agree that Our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.<\/p>\n<p>Content Disclaimer<br \/>\nThe opinions expressed on our Website are not necessarily the opinions of Nassau Bay Agency LLC.  Any Blog content provided by our bloggers are of the blogger\u2019s opinion, and is not intended to malign any religion, ethic group, club, organization, company, individual or anyone or anything.<br \/>\nThe Content may be changed without notice and is not guaranteed to be complete, correct, timely, current or up-to-date. Similar to any printed materials, the Content may become out-of-date.<br \/>\nWe undertake no obligation to update any Content on our Website.  Members are responsible for their own content, where applicable, and may update their Content at any time without notice and at their sole discretion.  We reserve the right to make alterations or deletions to the Content at any time without notice.<\/p>\n<p>Errors, Corrections and Changes<br \/>\nWe do not represent or otherwise warrant that our Website will be error-free, free from viruses or other harmful components, or that we will correct any errors.  We do not represent or otherwise warrant that the information available on or through our Website will be correct, accurate, timely or otherwise reliable.<br \/>\nWe may make changes to the features, functionality or content of our Website or Services at any time.  We reserve the right in our sole discretion to edit or remove any documents, information or other content appearing on our Website or Services.<\/p>\n<p>Financial, Legal and Other Advice Disclaimer<br \/>\nYou hereby acknowledge that nothing contained in our Website shall constitute financial, investment, legal and\/or other professional advice and that no professional relationship of any kind is created between you and Nassau Bay Agency LLC or our Members.  You hereby agree that you shall not make any financial, investment, legal and\/or other decision based in whole or in part on anything contained in our Website or Services.<\/p>\n<p>Advertisers and Sponsors Disclaimer<br \/>\nOur Website may contain advertising and sponsorships. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on our Website is accurate and complies with applicable laws.  We are not responsible for the illegality or any error, inaccuracy or problem in the advertiser\u2019s or sponsor\u2019s materials.<br \/>\nTHE INCLUSION OF THIRD PARTY ADVERTISEMENTS DOES NOT CONSTITUTE AN ENDORSEMENT, GUARANTEE, WARRANTY, OR RECOMMENDATION BY Nassau Bay Agency LLC AND WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT ANY PRODUCT OR SERVICE CONTAINED THEREIN.<\/p>\n<p>Merchant and Advertisement Disclaimer<br \/>\nWe may allow access to or advertise certain third-party product or service providers (\u201cMerchants\u201d) from which you may purchase certain goods or services.  You understand that we do not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a party to the transactions entered into between you and Merchants.<br \/>\nYou agree that use of or purchase from such Merchants is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT.  WE ARE NOT LIABLE UNDER ANY CIRCUMSTANCES ARE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON MERCHANT WEBSITES OR ANY OTHER WEBSITE LINKED TO OUR WEBSITE.<br \/>\nAll rules, legal documents (including privacy policies) and operating procedures of Merchants will apply to you while on any Merchant websites. We are not responsible for information provided by you to Merchants.  Our relationship to Merchants is solely as independent contractors and neither party has authority to make any representations or commitments on behalf of the other.<\/p>\n<p>Warranty Disclaimer<br \/>\nNassau Bay Agency LLC is not responsible or liable in any manner for any Content posted on our Website or in connection with our Services, whether posted or caused by Members of our Website, or by Nassau Bay Agency LLC. Although we provide rules for Member conduct and postings, we do not control and are not responsible for what Members post, transmit or share on our Website or Services, and are not responsible for any offensive, inappropriate, obscene, unlawful or otherwise objectionable content you may encounter on our Website or Services.  Nassau Bay Agency LLC is not responsible for the conduct, whether online or offline, of any user of our Website or Services.<br \/>\nOur Website or Services may be temporarily unavailable from time to time for maintenance or other reasons.  Nassau Bay Agency LLC assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, Member communications.<br \/>\nNassau Bay Agency LLC is not responsible for any technical malfunction or other problems of any telephone network or service, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or any combination thereof, including injury or damage to Member\u2019s or to any other person\u2019s computer, mobile phone, or other hardware or software, related to or resulting from using or downloading materials in connection with the our Website or Services, including without limitation any software provide through our Website or Services.<br \/>\nUnder no circumstances will Nassau Bay Agency LLC be responsible for any loss or damage, including any loss or damage or personal injury or death, resulting from anyone\u2019s use of our Website or Services, or any interactions between Users of our Website or Services, whether online or offline.<br \/>\nNassau Bay Agency LLC reserves the right to change any and all Content, software and other items used or contained in our Website or Services, at any time without notice. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by our Website, by third parties or by any of the equipment or programming associated with or utilized by our Services. <\/p>\n<p>THE INFORMATION, CONTENT AND DOCUMENTS FROM OR THROUGH OUR WEBSITE ARE PROVIDED \u201cAS-IS,\u201d \u201cAS AVAILABLE,\u201d WITH \u201cALL FAULTS\u201d, AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). OUR WEBSITE AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS.  Nassau Bay Agency LLC, INCLUDING ALL OUR AFFILIATES, HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF OUR WEBSITE OR SERVICES.  Nassau Bay Agency LLC CANNOT GUARANTEE AND DOES NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF OUR WEBSITE OR SERVICES, INCLUDING, BUT NOT LIMITED TO, RELATED SOFTWARE.  Nassau Bay Agency LLC DOES NOT REPRESENT OR WARRANT THAT OUR CONTENT, OUR SERVICES, OR ANY SOFTWARE FOUND WITHIN ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE OR THAT ANY SUCH ITEMS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD EXERCISE CAUTION IN THE USE AND DOWNLOADING OF ANY SUCH CONTENT OR SOFTWARE AND USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND REMOVE VIRUSES. ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES SOMEHOW ATTRIBUTED TO OUR CONTENT, SERVICES, AND RELATED SOFTWARE IS DISCLAIMED. WITHOUT LIMITING THE FOREGOING, YOU UNDERSTAND AND AGREE THAT YOU DOWNLOAD OR OTHERWISE OBTAIN CONTENT AND RELATED SOFTWARE FROM OR THROUGH OUR WEBSITE OR SERVICES AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR YOUR USE THEREOF AND ANY DAMAGES TO YOUR MOBILE DEVICE OR COMPUTER SYSTEM, LOSS OF DATA OR OTHER HARM OF ANY KIND THAT MAY RESULT.  WE, AS WELL AS ALL OF OUR AFFILIATES, ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION AND LIMITATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND Nassau Bay Agency LLC.  OUR WEBSITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH OUR WEBSITE OR SERVICES SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. <\/p>\n<p>Limitation of Liability<br \/>\nNassau Bay Agency LLC, as well as all our Affiliates, shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from (a) any errors in or omissions from our Website or Services, (b) any product liability issues to the extent that we are not involved with the manufacturer of the product(s) giving rise to liability, (c) the unavailability or interruption of our Website or Services, (d) your use of our Website our Content, (e) the content contained on our Website or Services, or (f) any delay or failure in performance of our Website and Services beyond our control.<br \/>\nIN NO EVENT WILL Nassau Bay Agency LLC OR ITS DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PERSON FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF OUR WEBSITE, CONTENT, SERVICES, OR ANY RELATED SOFTWARE, ACCESSED THROUGH OR DOWNLOADED FROM OUR WEBSITE OR SERVICES, EVEN IF Nassau Bay Agency LLC IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, Nassau Bay Agency LLC\u2019S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR WEBSITE AND\/OR SERVICES ACCESS DURING THE PREVIOUS MONTH OF YOUR MEMBERSHIP PRIOR TO THE EVENT GIVING RISE TO LIABILITY.<\/p>\n<p>Member Conduct<br \/>\nMembers may post their own content to our Website through our Services (Member Content).  Members and Visitors understand that by using our Website or Service, they may be exposed to content that is offensive, indecent, or objectionable.  We have no control over Member Content and do not in any way guarantee the quality, accuracy or integrity of such content. Nassau Bay Agency LLC is not responsible for the monitoring or filtering of any Member content.  Should any Member Content be found illegal, Nassau Bay Agency LLC will submit all necessary information to the proper authorities.<br \/>\nIf any Member Content is reported to Nassau Bay Agency LLC as being offensive or appropriate, we may ask the Member to retract or otherwise modify the questionable content within 24 hours of being notified by Nassau Bay Agency LLC.  Should the Member fail to meet such a request, Nassau Bay Agency LLC has full authority to either restrict the Member\u2019s ability to post Member Content OR to immediately terminate the membership of the Member, without further notification to the Member.<br \/>\nWithout limiting the foregoing, we have sole discretion to remove any Member Content that violates this Agreement or is otherwise objectionable in our sole discretion.<br \/>\nMembers are responsible for complying with all applicable federal and state laws for their content, including copyright and trademark laws. Members shall respect copyright and trademark laws.<br \/>\nYou warrant that you will not use our Services to infringe the intellectual property rights of others in any way. In accordance with the DMCA and other applicable law, we have adopted a policy of terminating Members who we deem, in our sole discretion, to be infringers of other\u2019s intellectual property rights.<br \/>\nAs a Member, you agree not to use our Services to do any of the following:<br \/>\n1)\tupload, post or otherwise transmit any Member Content that:<br \/>\na.\tViolates any local, state, federal, or international laws.<br \/>\nb.\tInfringes on any patent, trademark, trade secret, copyright or other proprietary rights of any party.<br \/>\nc.\tHarms, threatens, defames, promotes violence or illegal activities, or is otherwise vulgar, obscene, abusive, harassing, tortuous, libelous, invasive of another\u2019s privacy, hateful, or racially, ethically or otherwise objectionable.<br \/>\nd.\tLinks directly or indirectly to any materials to which you do not have a right to link.<br \/>\ne.\tContains any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers.<br \/>\nf.\tcontains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment, or to extract information from our Website or Services.<br \/>\ng.\tContains any unsolicited or unauthorized advertising, solicitations, promotional materials, \"junk mail,\" \"spam,\" \"chain letters,\" \"pyramid schemes,\" or any other form of solicitation.<br \/>\nh.\tYou do not have a right to transmit under any law (i.e. intellectual property laws) or under contractual or fiduciary relationships (i.e. non-disclosure Agreements).<br \/>\ni.\tIn the sole judgment of Nassau Bay Agency LLC, is objectionable or which restricts or inhibits any other person from using or enjoying our Website or Services, or which may expose Nassau Bay Agency LLC, our affiliates, or our Users to any harm or liability of any type.<br \/>\n2)\tuse our Content to:<br \/>\na.\tDevelop a competing website.<br \/>\nb.\tCreate compilations or derivative works as defined under United States copyright laws.<br \/>\nc.\tRe-distribute it in any manner, including, but not limited to, sale, license, lease, rental, subscription, or any other distribution mechanism.<br \/>\n3)\tDecompile, disassemble or reverse engineer our Website, Services, and any related software.<br \/>\n4)\tUse our Website or Services in any manner that violates this Agreement or any local, state, federal, or international laws.<\/p>\n<p>Use of Information<br \/>\nWe reserve the right, and you authorize us, to the use and assignment of all of your information regarding your use of our Website and Services in any manner consistent with our Privacy Policy.<br \/>\nAll remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, \u201cSubmission\u201d) is considered assigned to us and is as such considered our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations.<br \/>\nWithout limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.<\/p>\n<p>Privacy Policy<br \/>\nOur Privacy Policy is considered part of this Agreement.  You must review this Privacy Policy by clicking on this <a href=\"http:\/\/www.2mybenes.com\/privacy-policy\/\">link<\/a>.<\/p>\n<p>Unlawful Activity<br \/>\nWe reserve the right to investigate complaints or reported violations of this Agreement and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information.<\/p>\n<p>Linking to Our Website<br \/>\nYou may provide links to our Website, provided (a) that you do not remove or obscure, by framing or otherwise, any portion of our Website, (b) your website does not engage in illegal or pornographic activities, and (c) you discontinue providing links to our Website immediately upon request by us.<\/p>\n<p>Links to Other Websites<br \/>\nOur Website may, from time to time, contain links to third party websites. These links are provided solely as a convenience to you.  By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites.  Inclusion of links for any website on our Website does not mean that we endorse, guarantee, warrant, or recommend the services, information, content and\/or data of such third party websites. Nassau Bay Agency LLC has no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk. <\/p>\n<p>Payments<br \/>\nYou represent and warrant that if you are purchasing something from us that (i) any credit information you supply is true and complete, (ii) charges incurred by you will be honored by your bank or credit card company, (iii) you will pay the charges incurred by you at the posted prices, including any applicable taxes, and (iv) if your initial payment method is dishonored, you will still pay the charges incurred, including any surcharge we may incur due to such dishonored payment.<\/p>\n<p>Refund and Return Policy<br \/>\nTo the extent that you purchase any goods directly from us, we may refund you your purchase price within thirty (30) days of you notifying us in writing of your desire for the refund, together with the reason for the request, subject to the return of the product to us in substantially the same condition as when purchased.  Any refund or return may be subject to restocking fees as found on our Website.   <\/p>\n<p>Indemnification<br \/>\nYou agree to indemnify, defend and hold us and our partners, agents, officers, directors, employees, subcontractors, successors, assigns, third party suppliers of information and documents, attorneys, advertisers, product and service providers, and affiliates harmless from any liability, loss, claim and expense, including reasonable attorney\u2019s fees, related to your violation of this Agreement or use of our Website or Services. <\/p>\n<p>Arbitration<br \/>\nAny legal controversy or legal claim arising out of or relating to this Agreement and\/or our Service, excluding legal action taken by us to collect or recover damages for, or obtain any injunction relating to, website operations, intellectual property, and our Service, shall be settled solely by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association.  Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party.<br \/>\nThe arbitration shall be conducted in Harris County, Texas, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.  Either you or us may seek any interim or preliminary relief from a court of competent jurisdiction in Harris County, Texas necessary to protect the rights or property of you and us pending the completion of arbitration.  Each party shall bear one-half of the arbitration fees and costs.<\/p>\n<p>General Terms<br \/>\nThis Agreement shall be treated as though it were executed and performed in Harris County, Texas, and shall be governed by and construed in accordance with the laws of the State of [State] without regard to conflict of law principles.  In addition, you agree to submit to the personal jurisdiction and venue of such courts.  Any cause of action by you with respect to our Website or Service must be instituted within one (1) year after the cause of action arose or be forever waived and barred.  Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision.  Our rights under this Agreement shall survive any termination of this Agreement.<\/p>\n","privacy":"<p>Website Privacy Policy<\/p>\n<p>The last update to our Privacy Policy was posted on November 12, 2013. This Privacy governs the privacy policy of our Website, www.2MyBenes.com.<br \/>\nDefinitions<\/p>\n<p>\"Non-Personal Information\" (NPI) is information that is in no way personally identifiable and that is obtained automatically when you access our Website with a web browser.<br \/>\n\"Personally Identifiable Information\" (PII) is non-public information that is personally identifiable to you and obtained for us to provide you with a product or service. PII may include information such as your name, address, phone number, and other related information that you provide to us.<\/p>\n<p>Our Commitment to Your Privacy<\/p>\n<p>Our Privacy Policy tells you what PII we may collect from you, how we may share your PII, and how you can limit our sharing of your PII.<\/p>\n<p>Nassau Bay Agency LLC is committed to the security and privacy of all our customers. We take your privacy seriously, and we will work with you to ensure that you have an enjoyable online experience.<\/p>\n<p>Nassau Bay Agency LLC and our affiliates respect your privacy and recognize the need for appropriate protection and management of your PII you share with us.<\/p>\n<p>[OPTIONAL: As a part of our commitment, we have adopted the guidelines used by the Direct Marketing Association Privacy Promise to American consumers. Other than as necessary to provide you with goods and services, we agree to (1) provide our customers with notice of their ability to opt out of information exchanges with our affiliates; (2) honor our customers\u2019 requests not to have their information transferred to our affiliates; and (3) honor our customers\u2019 requests not to receive solicitations from our affiliates.]<\/p>\n<p>Links to Other Websites<\/p>\n<p>Our Website may contain links to other websites. You understand that these websites are not under our control and are not subject to our Privacy Policy. These websites will likely have their own privacy policies. We have no responsibility for these websites and provide links to these websites solely for your convenience.<\/p>\n<p>You acknowledge that your use and access of these websites is solely at your own risk. It is your responsibility to check the privacy policies of these websites to see how they treat your personal information.<\/p>\n<p>Information We Collect<\/p>\n<p>You can visit our Website without providing or revealing PII. However, we may receive and store certain types of NPI when you interact with our Website. We may analyze NPI for trends and statistics as to how people use our Website. Unless you wish to acquire goods or services through our Website, we typically will not require you to provide PII.<\/p>\n<p>We receive and store PII that you provide to us when you place an order, register with us, send an email or call us, enter a contest, subscribe to a service, request to receive a catalog or brochure, or participate in a promotion. In addition to your PII, we may also collect PII that you submit to us about other people, such as the name and address of someone you are referring to us. Ultimately, you have the choice in deciding whether or not to provide PII to us.<\/p>\n<p>How Information is Used<\/p>\n<p>We use PII that you provide for our internal purposes, such as confirming and tracking your order, subscription or registration; analyzing statistics and demographics; and informing you of new products, services, and offers as provided by us and\/or our affiliates.<\/p>\n<p>Our affiliates may have products, services, or offers about which you may be interested in receiving information and they may use the PII we have for you to contact you. If you don\u2019t want to receive information from our affiliates, you can let us know so you\u2019re no longer contacted by our affiliates about their products, services, or offers.<\/p>\n<p>We may also combine information you give us online or through printed forms; publicly available information; and information we receive from other parties. We use this combined information for your online experience and to let you know about new products, services, offers, and other promotion.<\/p>\n<p>To give you the best possible service, we may use our affiliates to provide contracted services for our business, including, but not limited to processing credit cards, hosting our website, shipping products to you, or advertising. In many cases, we will need to provide some if not all the PII you provide to use so our affiliates can perform these services. Our affiliates are only authorized to use your PII as provided within this Privacy Policy.<\/p>\n<p>There are times that we may have to disclose your PII to comply with state and federal laws; to assist law enforcement and governmental agencies in preventing or investigating fraud or other crimes, or in response to a court order. In such instances, we will only provide the PII requested and your PII will only be used for legal purposes as opposed to marketing.<\/p>\n<p>Finally, if we sold or transferred our business, we would transfer your PII to the purchaser as appropriate and might also retain a copy of your PII for any new business ventures we would start.<\/p>\n<p>Changing Your Information<\/p>\n<p>You may change your PII at any time using facilities found on our Website. If you need assistance with updating your PII or removing yourself from our mailing lists, just send us an email with your request.<\/p>\n<p>Opting Out of Sharing Information<\/p>\n<p>You can always opt out of future unaffiliated third-party disclosures of your information. Such opt-out will not affect disclosures otherwise permitted by law including but not limited to: (i) disclosures to affiliates, (ii) disclosures to third-party service providers who provide certain services for our business, such as credit card processing, computer system services, shipping, data management, or promotional services, (iii) disclosures to third parties as necessary to fulfill your requests, (iv) disclosures to governmental agencies or law enforcement departments or otherwise required to be made under applicable law, (v) previously completed disclosures to third parties, or (vi) disclosures to third parties in connection with subsequent contests or promotions you may choose to enter, or third-party offers you may choose to accept.<\/p>\n<p>Protecting Your Child\u2019s Privacy<\/p>\n<p>We follow the Children\u2019s Online Privacy Protection Act (COPPA). Even though our Website is not designed for use by anyone under the age of 18 (child), we realize that a child may attempt to access our Website. We do not knowingly collect PII from a child. If you are a parent or guardian and believe your child is using our Website, please contact us. We may ask for proof of identification before we remove any information to prevent malicious removal of account information. If we discover on our own that a child is accessing our Website, we will delete the information as soon as we discover it, we will not use the information for any purpose, and we will not disclose the information to third parties. You acknowledge that we do not verify the age of our users nor do we have any liability to do so. If you are a child, please seek the permission of a parent or guardian before accessing our Website.<\/p>\n<p>Our Email Policy<\/p>\n<p>Our affiliates and we fully comply with the federal CAN-SPAM Act. You can always opt out of receipt of further email correspondence from us or affiliates. We will not sell, rent, or trade your email address to any unaffiliated third-party without your permission.<\/p>\n<p>Our Security Policy<\/p>\n<p>We have taken steps to build our Website using sophisticated encryption and authentication tools to protect the security of your PII. When we collect your PII through our Website, we will encrypt your PII before it travels over the Internet using industry standards as establishing for conducting secure online transactions. We also use industry standard technologies such as secure routers and fire walls to make sure that your PII is safe. Unfortunately, we cannot fully guarantee secure data transmission over the Internet because of its nature.<\/p>\n<p>Once we receive your PII, we have industry standard security measures in place to protect against the loss or misuse of your PII, though again, we cannot fully guarantee against such loss or misuse. We strongly urge you to protect any password you may have for our Website and not share it with anyone. You should always log out of our Website when you are done using it, especially if you are sharing a computer with someone else or are using a computer in a public place.<\/p>\n<p>Use of Credit Cards<\/p>\n<p>You may have to provide a credit card to buy products and services from our Website. We use third-party billing services and HAVE NO CONTROL over these services. We use our commercially reasonable efforts to make sure that your credit card number is kept STRICTLY CONFIDENTIAL by using only third-party billing services that use industry-standard encryption technology to protect your credit card number from unauthorized use. However, you understand and agree that we are in no way responsible for any misuse of your credit card number.<\/p>\n<p>Cookies<\/p>\n<p>Our Website may send a \"cookie\" to your computer. A cookie is a small piece of data that is sent to your browser from a web server and stored on your computer's hard drive. A cookie cannot read data off your hard disk or read cookie files created by other sites. Cookies do not damage your system. We use cookies to identify which areas of our site you have visited, so the next time you visit the site, we can better personalize the content that you see on our Website. Most browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to use certain functionality on our Website correctly or at all. We never place PII in Cookies.<\/p>\n<p>Web Beacons<\/p>\n<p>We may also use web beacons to collect NPI about your use of our Website and those of our affiliates, and your use of special promotions or newsletters. The information we collect by Web Beacons allows us to statistically monitor the number of people that open our emails and why they opened our emails. Our Web Beacons are not used to track your activity outside of our Website or those of our affiliates. We do not link NPI from Web Beacons to PII without your permission.<\/p>\n<p>Changes to Our Privacy Policy<\/p>\n<p>As necessary to address changes in laws or our business practices, we may modify our Privacy Policy, in whole or in part, to address these changes. We will typically notify users by some message on our Website home page that our Privacy Policy has changed. We will also change the \"Last Updated\" date at the beginning of this Privacy Policy. Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies. We encourage you to review our Privacy Policy periodically to make sure you still agree with it.<\/p>\n<p>Questions about Our Privacy Policy<\/p>\n<p>If you have any questions about our Privacy Policy, please contact us using the Contact us information found on our Website.<\/p>\n","faqs":"<h2>What happens if my employer changes my benefits package?<\/h2><p>Your group administrator has 24\/7\/365 access to the company\u2019s Benefit Smart System to keep all of your benefits information up to date. We can even notify you by email when your 2MyBenes app has changed or been updated.<\/p>\n<h2>Can anyone access my 2MyBenes app?<\/h2><p>Upon activating your subscription you will create your own user name and password. You can share that information with everyone in your family that is on your insurance plans. All of your family members will have immediate access to all of the important insurance information they may need in an emergency right on their Smartphone. They will also have access to orientation information to help them understand what their health insurance benefits are and how to use them. And that information is available in English or Spanish.<\/p>\n<h2>What do I get for my $12.00 per year subscription\/activation fee?<\/h2><p>You will have 24\/7\/365 internet and mobile app access to your employers group benefits plan. This includes password protected portals to your health insurance carriers for plan ID information, provider directories, plan orientations for all of your benefits. Your employer will have the capability to also include employee and safety manuals as well as training material that you can access with your Smartphone or computer. There will be additional new features that will be added in the future.<\/p>\n<h2>Who is responsible for the $12.00 annual subscription\/activation fee, the employer or the employee?<\/h2><p>The $12.00 fee is paid upon activation and renewed annually by either the employer or the employee. It is at the discretion of the employer and\/or agent.<\/p>\n<h2>Can I add plans and additional information at a later date, after initial enrollment?<\/h2><p>Yes, you even have the ability to hold open enrollment whenever YOU choose to because you have direct email access to every subscriber of every group. You have full administrative access to your group administrator and the employees who subscribe 24\/7\/365.<\/p>\n<h2>Can I mix different carriers and supplemental or ancillary plans on the Benefit Smart System?<\/h2><p>Yes, you and the group administrator can add any plan information, carrier links, or even employee manuals and training material to the video\/forms library. The Benefit Smart System can even collect verification's for the employer when employees view or download videos and documents.<\/p>\n<h2>Who has access to my groups\u2019 information?<\/h2><p>Other than the Benefit Smart administrator for customer service issues only the agent of record and the group administrator will have password protected access to any information in the account.<\/p>\n<h2>Can I set up an agency account for $49.00 per month which will cover all agents in my organization?<\/h2><p>No. The Benefit Smart Communications System is designed to be an agent management tool. When a group is entered into the system, the agent of record and the group administrator will have their own user name and password for the unique URL for that group. The System is secure and takes the personal information of all concerned very seriously. Therefore limited access for confidentiality is important.<\/p>\n"}}