It is the purpose of Integrated Benefits Institute (IBI) to promote the common interest of employers and their employees, medical providers, insurers and others relating to the development and effective and efficient implementation of integrated benefit programs, and to improve the business conditions and the quality of benefits and benefit outcomes for employers and their employees, medical providers, insurers and others involved in furnishing, receiving and/or administering employment-based benefits.

While IBI strives to make the information on this website as timely and accurate as reasonably possible, IBI makes no claims, promises, representations or guarantees about the accuracy, completeness, or adequacy of the contents of this site, and expressly disclaims liability for errors and omissions in the contents of this site. No representations or warranty of any kind, implied, expressed, or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose or freedom from computer virus, is given with respect to the contents of this Website or its links to other Internet resources.

Reference in this site to any specific commercial product, process, or service, or the use of any trade, firm or corporation name is for the information and convenience of its members and members of the interested public, and does not constitute endorsement, recommendation, or favoring by IBI.

Except on the Market Perspectives section of this Web site, or as stated otherwise, IBI retains all copyright and other proprietary rights contained herein. Materials copyrighted by IBI are for noncommercial use consistent with its purposes stated above. Permission to otherwise reprint or electronically reproduce any document in part or in its entirety is expressly prohibited unless prior written consent is obtained from IBI.

IBI may provide hypertext links on its website to other websites that are not under the control of IBI. In general, any website that has an address (or URL) that does not contain “” is such a website. These links are provided for convenience of reference only and are not intended as an endorsement by IBI of the organization or individual operating the website or a warranty of any type regarding the website or the information on the website. IBI cannot and does not warrant against human and machine errors, omissions, delays, interruptions or losses, including loss of data. IBI cannot and does not guarantee or warrant that files available for downloading from this or another website will be free of infection by viruses, worms, Trojan horses, other harmful elements or other code that manifest contaminating or destructive properties.

A section of the IBI website is for “members only.” In order to access this portion of the website, individuals must be assigned a login name and password. The “members only” portion of the website is intended as a service for the members of IBI, and seeks to provide information of particular
relevance to IBI members. In providing this service, IBI does not discriminate on the basis of race, sex, national origin, religion, disability, age or sexual orientation.

This entire disclaimer may be changed by IBI at any time. In order to ensure that users of this website are aware of any changes to the disclaimer, IBI advises all users to regularly read the disclaimer to determine whether changes have been made to its terms. Use of the website after a change has been made in this disclaimer constitutes acceptance of the changed terms of use.