Alerts & Weather Warnings: Access our weather crisis resources. Click here to learn more.

About
Join Us
Contact
For Customers

Industries
Industries
Construction

Healthcare

Manufacturing
Real Estate

Transportation

View All
Solutions
Solutions
Business Insurance

Employee Benefits

Retirement Plan Consulting

Payroll & HR Services
Personal Insurance

Private Client

Wealth Management

Risk Services
Insights
Partnerships
Search
About
Join Us
Contact
For Customers

Knowledge Center

Home

Articles by Jay Kirschbaum

Health Expenses FAQs

April 27, 2023

Continue Reading »

How the End of the COVID-19 Emergency Periods Will Impact Health Plans

February 7, 2023

Continue Reading »

2023 Annual Compliance Requirements for Health Plans

January 5, 2023

Continue Reading »

Prescription Drug Reporting Due Date Extended

December 30, 2022

Continue Reading »

Health Plans Must Provide Price Comparison Tool For 2023

December 9, 2022

Continue Reading »

Amazon and Installment Lenders Eye Medical Care - How Will This Affect Employer Health Care Plans?

September 1, 2022

Continue Reading »

Medical Debt De-Weaponization and Employer Health Plans

August 18, 2022

Continue Reading »

Public Disclosure Requirements Under the Transparency in Coverage Rules - What Can Employers Do?

June 30, 2022

Continue Reading »

Medical Plan Opt-Outs – What Are The Considerations?

June 6, 2022

Continue Reading »

District Court - Deadlines To Be Disclosed Even If They Are In Plan Documents

May 27, 2022

Continue Reading »

IRS Announces Health Savings Account and High Deductible Health Plan Limits for 2023

May 10, 2022

Continue Reading »

What Affect Will Federal Marijuana Decriminalization (MORE Act) Have on Employers?

May 6, 2022

Continue Reading »

« First Prev

1 2

About the Author

Jay Kirschbaum

Jay Kirschbaum

Jay Kirschbaum is the Senior Vice President Director of Benefits Compliance for Employee Benefits. With over 30 years of experience as a tax attorney, he helps organizations design compliant, results-driven health and welfare plans that enhance the employee experience. Jay holds advanced degrees in law and taxation and has served in leadership roles at major firms including Lockton, Aon, and Willis Towers Watson. He also holds a Fellow, Life Management Institute (FLMI) designation.

CONTACT ME

JOIN US AND BE PART
OF THE SUCCESS

Let’s Chat

Partner with us

Discuss your options for protecting your reputation and your business.

Industries

Construction
Healthcare
Manufacturing
Private Equity
Real Estate
Transportation
View All

Solutions

Business Insurance
Employee Benefits
Retirement Plan Consulting
Payroll & HR Services
Personal Insurance
Private Client
Wealth Management
Risk Services

Insights

Knowledge Center
News / PR
FAQ

Partnerships

About

Locations

Careers

Contact

For Customers

Report a Claim
Pay a Bill
Request a Certificate of Insurance
Request a Policy Change
MyWorld Connect
Weather Crisis Resources
Contact Customer Service

Subscribe to World’s Newsletter

Sign Up

Subscribe to World’s Newsletter

© 2026 World Insurance Associates LLC

Privacy Policy
Do Not Sell My Info

All information and content on this website is subject to applicable statutes and regulations, furnished “as is,” without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or noninfringement. See additional terms & conditions at links below.

Learn more about our Accessibility and Terms

Our website worldinsurance.com is for general information and reference only to provide you with background on World Insurance services, capabilities, and products. World Insurance endeavors to keep the information up to date and correct, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Use of this website does not constitute a contract or binder for the purchase of insurance or any other product or service. World Insurance will not be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

At certain locations within this website, you are able to link to other third-party websites which are not under the control of World Insurance. We have no control over the nature, content, privacy, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorsement of those third-party websites and you should independently review their terms and conditions, along with privacy standards

World Insurance takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Contact WIA with your Accessibility Questions. If you have questions or comments about the accessibility of this website, please contact us for assistance via email at accessibility@worldinsurance.com or during office hours: Monday - Friday 9 a.m. to 5 p.m. Eastern.

Legal

Trademarks & Copyright

, World Insurance and its affiliated trade and service marks are solely owned by World Insurance both as registered and in common law. The contents of this website on the internet are protected by applicable copyright laws. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, user interface design or logos.

Commissions & Fees

World Insurance, as your licensed insurance broker, will confer with or advise you on the terms or conditions of insurance contracts, negotiate with insurance carriers and insurance providers on your behalf, and to obtain insurance coverages as requested. Our compensation for placement of insurance coverage, unless otherwise specifically negotiated and agreed to with our client, is customarily based on commission calculated as a percentage of the premium collected by the insurer and is paid to us by the insurer. We may also receive from insurers and insurance intermediaries (which may include World Insurance affiliated companies) additional compensation (monetary and non-monetary) based in whole or in part on the insurance contract we sell, which is contingent on volume of business and/or profitability of insurance contracts we supply to them and/or other factors pursuant to agreements we may have with them relating to all or part of the business we place with those insurers or through those intermediaries. Some of these agreements with insurers and/or intermediaries include financial incentives for World Insurance to grow its business or otherwise strengthen the distribution relationship with the insurer or intermediary. Such agreements may be in effect with one or more of the insurers with whom your insurance is placed, or with the insurance intermediary we use to place your insurance. You may obtain information about the nature and source of such compensation expected to be received by us, and, if applicable, compensation expected to be received on any alternative quotes pertinent to your placement upon your request.

Transparency In Coverage