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JOHN P. FORAN
VINCENT A. DiBENEDETTO
KENNETH LOMBARDI
DENISE J. ETHIER-COLE
PATRICK J. FORAN
SEAMUS F. O'HARA
EDWARD W. BYRNES, JR.
JACK DOLAN, ESQ.
JOHN P. FORAN
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| John (Jay) P. Foran is
the President of the EBS Foran Group, which is comprised
of three distinct entities that specialize in the field
of Employee Benefits. A graduate of Assumption College
in Worcester, Massachusetts, Mr. Foran has over thirty
years experience in the Employee Benefits field and
has been a licensed insurance advisor and a licensed
insurance broker since 1983.
Prior to beginning his consulting practice in 1983,
Mr. Foran was formerly employed by Blue Cross Blue Shield
of Massachusetts in various marketing and senior management
positions. Mr. Foran also participated in the founding
of the Central Massachusetts Business Group of Health,
a coalition of major Employers in the Central Massachusetts
Region dedicated toward controlling Employee Benefit
costs.
In September, 1983 Mr. Foran resigned his position
as Regional Director of Blue Cross Blue Shield to establish
a private consulting practice geared toward assisting
Employers in procuring high-quality cost efficient benefit
programs for their Employee and Retiree populations.
A former member of the Board of Trustees of the Northshore
Health Planning Council, Mr. Foran also helped establish
the Council's Business Advisory Committee.
Mr. Foran has worked extensively with Clients throughout
the United States on areas of benefit design for Employee
Medical and Dental programs, the introduction of cost-containment
techniques, as well as in the areas of risk management,
alternate delivery system products and variable funding
arrangements. Mr. Foran has also worked with both Health
Maintenance Organizations (HMO) and Commercial Insurance
carriers to create unique health programs for self-funded
Employers. Among Mr. Foran's specialties is the underwriting
and placement of medical excess risk/stop loss coverage.
The EBS Foran Group has Clients throughout the Eastern
portion of the United States including Public and Private
Sector Employers located in Massachusetts, Florida,
North Carolina, South Carolina, Pennsylvania as well
as servicing Clients with an International presence.
The EBS Foran Group is recognized as one of the preeminent
independently owned Employee Benefits specialty firms
in the Northeast with well over one-quarter billion
dollars worth of Client premiums under management
In addition to being a licensed accident and health
Advisor and Broker, Mr. Foran is also a Registered Health
Underwriter (RHU) and in his capacity at EBS Foran one
of his primary responsibilities is to work with Clients
to introduce the new generation of healthcare plans,
(commonly referred to as consumer-driven health plans)
along with the new generation of Federal Tax programs
available to help further integrate the Employees into
the healthcare procurement process. Mr. Foran is also
a member of the International Foundation of Employee
Benefit Plans (corporate designee). A native of Worcester,
Massachusetts, Mr. Foran is currently a resident of
Dennis, Massachusetts and Naples, Florida.
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Vincent A. DiBenedetto is Vice-President and Director
of Client Core Services and Special Projects for EBS Foran
Insurance and Advisory Services.
Vin has over 30 years experience in Administrative
Services and Client Relations. Prior to joining EBS
Vin worked for both Budget Rent-a-Car and Ford Motor
Company in various senior management positions concentrating
in Product Development and Client Relations and Retention.
Since joining EBS Foran in 2003 Vin has managed the
impact of The Medicare Modernization Act on Employer
Sponsored Retiree Group Health plans, been instrumental
in the implementation of section 125 plans such as Flexible
Spending Accounts and Health Reimbursement Accounts
as part of our efforts to introduce the concepts of
HDHP to our clients. He is currently Project Manager
of our Employer Web Based Benefit program in addition
to acting as a Senior Financial Analyst in compiling
Employer financial Data for our Underwriting Department.
Vin has an undergraduate degree in Foreign Affairs and
graduate certificates in Business and Finance.
Vin is a volunteer with the United Way of Central Massachusetts
where he Chairs a Review team for Supporting Positive
Youth Development and also serves on the Community Solutions
Council for Positive Youth Development. He is on the
Board of Directors of Junior Achievement of Central
Massachusetts and is also a class room volunteer for
the organization
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| Kenneth Lombardi is our Chief Executive
Officer and Executive Vice President of Operations for
EBS Foran Insurance and Advisory Services, Inc. and currently
resides in Grafton, Massachusetts.
Mr. Lombardi has over 20 years of experience in group
benefit underwriting and consulting services. His career
has evolved through most aspects of the group benefit
industry, including sales, underwriting, underwriting
management and consulting. He is currently a Licensed
Insurance Advisor and holds a license as an Insurance
Broker for Life and Accident & Health products in
the State of Massachusetts.
Mr. Lombardi has significant experience directly related
to the development of prospective costs of group medical
care products, including the development of fully insured
rates and the working rate levels required to fully
fund for self-funded financial programs. In addition,
Mr. Lombardi also has extensive underwriting experience
with Life Insurance, Short and Long Term Disability
and Dental Products.
Prior to joining EBS Foran, Mr. Lombardi was affiliated
with Allmerica Financial for over 17 years in both an
underwriting and sales. He was also instrumental in
the development of Starnex, an employee benefits technology
firm successfully launched in January 1999.
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DENISE J. ETHIER-COLE
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Denise J. Ethier-Cole is Senior Account
Executive for EBS Foran Insurance and Advisory Services,
Inc.
Ms. Ethier-Cole has over 19 years of experience in
the Employee Benefits field and has been a Licensed
Life, Health and Accident Insurance Broker in the State
of Massachusetts since 1987.
Prior to joining EBS Foran in 1997, Ms. Ethier-Cole
worked for BHR Life & Group Insurance Agency, Inc.
in Leominster, MA for seven years as Director of Customer
Services. Her responsibilities included the training
of new and experienced Customer Service Representatives,
in plan benefits, underwriting procedures, interpreting
claim payment systems, and enrollment and billing functions
for several different insurance carriers. Her BHR career
also included the preparation and presentation of employee
benefit market analysis for existing and potential clients.
Ms. Ethier-Cole's responsibilities also included quarterly
service visits to all of the organization's Key Accounts
to keep them abreast of changes occurring in the marketplace.
Prior to her career at BHR Life & Group Insurance
Agency, Inc., Ms. Ethier-Cole was employed by the Travelers
Insurance Company in Worcester, MA. Ms. Ethier-Cole
held the position of Account Executive in the Employee
Benefits Department. Her responsibilities included the
processing of all new business inclusive of the preliminary
and final rating, implementation and on-going service
requirements. In addition to new business, Ms. Ethier-Cole
was also responsible for the presentation of all renewals
and on-site service visits.
As Senior Account Executive at EBS Foran, Ms. Ethier-Cole's
extensive background in product knowledge, administrative
and customer service areas has proven to be a strong
asset to our Municipal Clients.
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PATRICK J.
FORAN
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| Patrick J. Foran is a Worcester Native
and is a current resident of Yarmouth, MA.
Patrick followed in the family tradition and attended
Assumption College and has a BA in Politics.
His first job was at Arbella Mutual Insurance Company
as a claims specialist.
Since 1995 Patrick has worked for EBS Foran on a part-time
basis serving in various Administrative, pre-renewal
Underwriting and Marketing support capacities until
joining on a full-time basis in 2000.
Patrick is an Account Executive and is a licensed Life,
Accident and Health Insurance Broker in Massachusetts
and is Director of COBRA Administration for the firm.
He is also responsible for Directing Private Sector
Marketing efforts for the Cape and Islands, a new region
for our affiliate Services.
Patrick also serves on the Harwich-Dennis
Rotary Club Board of Directors.
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SEAMUS F. O'HARA
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| Seamus F. O’Hara,
is the Director of Voluntary Dental Plans and Senior
Account Executive for Private Sector Employers for South
Eastern Massachusetts, Cape Cod and the Islands and
resides in Yarmouth Port Massachusetts.
Seamus has 19 years experience as a both a business
principal and a consultant in the International Hospitality
and Entertainment Industries. Seamus has particular
expertise in new business start up and venture capital
consulting and brings these talents to his duties at
EBS Foran. Seamus’s familiarity with the myriad
difficulties facing private sector Employers in the
field of Employee Welfare Benefits allows him to be
instrumental in designing innovative plan designs to
meet these issues. Seamus is also a project manager
on our Section 125/FSA and HRA Client implementation
team.
A graduate of the University College of Cork, Ireland,
Seamus has been active in many social and civic organizations,
including the Rotary Club of Harwich-Dennis, where he
has served both on the Board of Directors and as Club
President. Seamus is also the President of a local investment
club and has a strong acumen in the area of finance
Prior to coming to the United States, Seamus was the
Advance Production manager for the rock and roll band,
Bono and U2
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EDWARD W. BYRNES, JR.
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| A graduate
of Nichols College in Dudley, Massachusetts, Mr. Byrnes
has over thirty-two years experience in the Employee
Benefits field and has been a licensed life and health
insurance broker since in the Commonwealth since 1979.
Mr. Byrnes is our Chief Operating Officer and Senior
Vice-President of Underwriting.
Prior to joining EBS Foran in 2004, Mr. Byrnes was
employed by Sun Life of Canada as a Senior Manager in
their Stop Loss Underwriting Operation. Managing a group
of 6 to 8 underwriters his team brought successful sales
results each year coupled with underwriting profits
consistent with Sun Life's target goals. Prior to Sun
Life Mr. Byrnes has had extensive underwriting and sales
experience with Allmerica Financial, Blue Cross Blue
Shield of New Jersey and the John Hancock Mutual Life
Insurance Company.
Mr. Byrnes has worked extensively with Clients throughout
the United States on areas of benefit design for Life
Insurance, Short and Long Term Disability coverage,
Medical and Dental programs. He has worked effectively
with these clients to develop solid benefit offerings
that are priced appropriately, whether they were conventionally
insured products or self funded products. His expertise
in prospective pricing brings added value to EBS Foran
and their clients.
Mr. Byrnes is also a Licensed Insurance Advisor in
the Commonwealth of Massachusetts. Mr. Byrnes is currently
a resident of Worcester, Massachusetts and is also a
member of the International Foundation of Employee Benefit
Plans (corporate designee).
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JACK DOLAN, ESQ.
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| John (Jack) F.
Dolan, Jr. is the newest addition to our Senior Management
and Client Service team. Jack is Vice President for Legal
Affairs for EBS Foran Insurance and Advisory Services.
In this capacity, Jack works closely with our Senior
Account Managers to help ensure compliance with ever-changing
Employee Benefit laws and regulations, including HIPAA,
COBRA, and ERISA. In addition to overseeing the quality-assurance
for our own internal documents and procedures, Jack
works with our Clients to provide training and education
in current and emerging issues involving the intersection
between law and employee benefits (a very busy intersection!).
Jack also provides assistance in communicating benefit
issues to Employee Groups and Insurance Advisory Committees
and, where applicable, in the bargaining of health insurance
issues, in conjunction with a Client's labor counsel.
Jack joined us with an impressive educational background
and extensive experience in both the Private and Public
sectors. An Honors graduate of Harvard College, Jack
received his Juris Doctor degree from Boston University
School of Law. He is presently licensed to practice
law in both the Commonwealth of Massachusetts and the
State of New Hampshire. He has over twenty-five years
experience in representing clients in the Private and
Public sectors, with particular emphasis on Municipal
and School law, Labor Relations, and Insurance Defense.
He was a member of the New Hampshire Bar Association's
Ethics Committee for over twelve years and authored
the majority of their Municipal Law Ethics opinions
during that time.
In addition to his legal experience, Jack has over
eleven years experience as a Municipal Manager. In that
capacity, Jack acquired extensive knowledge of collective
bargaining, labor relations, and the procurement and
management of Employee Benefits, and in particular Health
Insurance. He served three terms as Chairperson of the
Southeastern Massachusetts Health Group and was a Founding
Director of the Gateway Health Group. He also oversaw
the Medical Benefits of another community that was independently
self-insured.
Jack resides in Westport, Massachusetts.
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