Denise Stefan

In her role as President, Denise leads strategic planning efforts for Engage Insurance, LLC and directs the company in fulfilling its mission of providing stable, cost-effective insurance solutions to Engage clients.  

Denise is an accomplished insurance industry executive with more than twenty years of leadership experience, including unique PEO carrier expertise. Prior to joining Engage, Denise served as the PEO market head for Aetna’s national accounts division where she was responsible for the sales, finance, regulatory and account service aspects of Aetna’s PEO business segment. Aetna is Engage’s long-time health insurance partner. Denise also led various small and middle market sales and account management teams for Aetna in Connecticut and Florida, and served as vice president of sales and strategic development for a national vision and dental carrier, Advantica Eyecare.

Denise received her master's degree in business administration from the University of Connecticut as well as a bachelor's degree in business management from the University of Connecticut School of Business. She is a licensed life and health insurance agent and a former member of the board of directors for Easter Seals Tampa Bay and a current board member of The Other Side of the Dunes, a nonprofit organization that supports wounded veterans.


Some FYIs on FSAs - Use it. Don't Lose it.

November 26, 2018

The IRS recently announced changes to the 2019 contribution caps for health flexible spending accounts and transportation plans.

The annual, pre-tax contribution limit for employee health flexible spending accounts (FSAs) will increase $50 in 2019 to $2,700. This also applies to limited-purpose FSAs which are designed for use with health savings accounts and exclusively cover dental and vision expenses. 

The Perfect Blend of Benefits and Cool Perks to Lure Top Talent

September 24, 2018

If you had to name one thing that the “best places to work” have in common, a good guess would be a generous benefits package. According to Glassdoor, the job search and comparison site, 57% of job seekers list benefits and perks among their top concerns when evaluating a job offer. 80% of employees would choose an added perk instead of a raise.

Trends Ahead for 2018's Health Care Enrollment

July 10, 2018

For insurance agents, it’s never too early to start building a strategy for their clients’ open enrollment program. In fact, the savviest producers are constantly looking at trends that may impact the employee benefits space. By analyzing changes in the insurance marketplace, staying up-to-date with what’s happening on Capitol Hill, and state and local governments, and by assessing the evolving expectations of your clients and their employees, you can gain a critical competitive edge in the months ahead. 

The IRS Reverses Action on 2018 HSA Maximum Contribution

April 27, 2018

UPDATE: The IRS announced on April 26, 2018 that the contribution limit for Health Savings Accounts (HSAs) linked to family coverage will remain at $6,900 for 2018. Employers should communicate this change to impacted employees and make the appropriate adjustments to payroll contributions. 

This reverses the agency's previous announcement that the limit would be reduced to $6,850. The IRS determined that implementing the $50 reduction would impose numerous unanticipated administrative headaches and financial burdens on taxpayers, employers and other stakeholders. 

There is no change to the annual tax deductible limit for individual-only coverage under an HSA ($3,450), and flexible spending accounts (FSAs) for health care, commuter and other benefit limits are not affected.

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