The Benefits Brief

In this episode of The Benefits Brief, host David Saltzman sits down with Hugh O’Toole, CEO of Innovu and instructor of NABIP’s Healthcare Fiduciary Certification, to discuss the growing importance of fiduciary responsibility in employee benefits and how advisors can help employers navigate their obligations. Hugh explores common misconceptions about ERISA, the importance of transparency in vendor compensation and access to healthcare data, and why a documented decision-making process is essential for plan sponsors. He also provides an inside look at NABIP’s Healthcare Fiduciary Certification, including its practical five-step framework for evaluating benefit plans, improving outcomes and helping advisors guide clients through their fiduciary responsibilities with greater confidence.

In this episode of The Benefits Brief, host David Saltzman sits down with Cassandra Gibson, chair of NABIP’s Diversity, Equity, Inclusion and Belonging Committee, to discuss how the association is working to create a welcoming environment where every member feels valued, represented and empowered to participate. Sandy explores why diversity and belonging extend beyond demographics and how education, accessibility, engagement and professional development can help strengthen NABIP’s community. She also highlights the committee’s priorities and upcoming resources designed to support members and chapters, encourage greater involvement and help develop the next generation of NABIP leaders.

In this episode of The Benefits Brief, host David Saltzman sits down with Mike Smith, president emeritus of The Brokerage Inc. and a longtime leader in the Medicare marketplace, to discuss why annual Medicare certification should be more than simply checking a box. Mike shares the story behind NABIP’s Medicare Certification and how experienced agents, agencies and FMOs helped shape a course grounded in the real-world situations Medicare professionals encounter every day. He explores how the program emphasizes practical knowledge, compliance and suitable plan recommendations while providing a straightforward certification experience designed for working agents. Mike also discusses the program’s growing carrier and FMO acceptance and how NABIP members can help expand its reach.

In this episode of The Benefits Brief, host David Saltzman sits down with Dwane McFerrin, senior vice president at Senior Market Sales and chair of NABIP’s Medicare Advisory Group, to discuss what Medicare advisors need to know as they prepare for the 2027 Annual Enrollment Period. Dwane explores changes across Medicare Advantage, Part D and Medicare Supplement, including plan exits, fewer choices in some markets, prescription drug costs, evolving regulations and Medicare Supplement birthday rules. He also shares practical guidance for navigating AEP, using technology to manage a busy enrollment season, reviewing each client’s individual needs and staying focused on helping consumers make informed coverage decisions.

In this episode of The Benefits Brief, host David Saltzman sits down with Lori Martin, principal at Envision Benefit Specialists and chair of NABIP’s Long-Term Care Working Group, to discuss America’s growing long-term care challenge and the role benefits professionals can play in helping clients prepare. Lori explores the importance of planning before a care crisis occurs, common misconceptions about Medicare and long-term care, and the evolving individual, group and short-term care markets. She also shares how advisors can incorporate long-term care into their practices, partner with specialists, create new opportunities with employer clients, and help individuals and families better prepare for the financial realities of extended care.