Employee Benefits Report – July 2019
Meaningful Ways to Support an Aging Workforce
America’s workforce is aging rapidly — and it will have an impact on your business.
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The Lure of Workplace Flexibility
The concept of a flexible workplace is based on the idea that it’s possible to work harder and smarter away from the office or during a shorter work week. The question most employers have is, “Will it work?”
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A Plan Sponsor’s Cyber Security Responsibilities
Cyber security insurance can help protect you and your workers’ health and retirement benefit plans.
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Choosing a Vision Insurance Plan Your Employees Will Value
A good, quality vision plan is a valuable asset for your employees.
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Employee Benefits Report – June 2019
How to Fight the Opioid Epidemic
Death from an accidental opioid overdose has become one of the top five causes of death in recent years.
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To Pay or Not to Pay Parental Leave?
There are no laws mandating unpaid leave to care for employee’s family members.
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Retirement Reform on Senate and House Agendas
Two similar bills in the U.S. Senate and House are designed to make it easier to save for retirement and both bills appear to have bipartisan support.
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Is Fitness Tracking for Better Health Worth the Risk of Losing Privacy?
Would you require or incentivize your employees to share data from their fitness trackers if it would significantly lower premiums and/or improve their health?
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Life and Health Insurance Advisor – Summer 2019
The Likelihood of Medicare for All
After passing the Affordable Care Act in 2010 and watching Republicans begin to dismantle it in 2017, many Democrats now are proposing Medicare for All.
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How to be a Caregiver Without Taking a Major Financial Hit
Caregivers can be life savers by taking care of people who cannot care for themselves. However, caregivers must also take care of themselves – particularly their finances.
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The Importance of Life Insurance at Any Age
Have you ever wondered what the perfect age is for purchasing life insurance? Here’s a hint – right now! Here’s why:
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When Euthanasia and Life Insurance Intersect
If a terminally ill person decides on euthanasia, will their life insurance deny their beneficiaries the life insurance money?
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Employee Benefits Report – April 2019
How Employer-Sponsored Dental Insurance Supports Employees’ Overall Health
Employer-sponsored dental insurance can play an integral part in your employees’ health.
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Unlimited Vacation – Good Idea? or Too Many Headaches?
Who wouldn’t want unlimited vacation time? Here are a few advantages, as well as pitfalls.
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Advantages and Disadvantages of the Emerging Telehealth Trend
Telehealth/telemedicine is being touted as a great innovation — the ability to talk to a provider anytime of the day from home for little or no cost. There are advantages and disadvantages.
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The Advantages of a 457 Retirement Plan
You and your employees might qualify for 457 retirement plans if you work for a state or local government or for certain tax-exempt organizations such as a charities, hospitals or unions.
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Employee Benefits Report – March 2019
Millennials — Changing the Health Care Landscape
Studies show that millennials are not interested in having a primary care doctor. They are looking to the Internet, urgent care and employers to help with their health care needs.
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Hospital Prices Now Must be Published Online — But is it a Game Changer?
Want to know how much a procedure is going to cost you at a particular hospital or medical facility? Look no further than the Internet.
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Retirement Plan Options for Former Employees
When employees leave a job, they often have to decide what to do with their 401(k) retirement account. Encourage them to investigate their options based on their financial situation and long-term goals. The decision they make could affect their retirement funds size.
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How to Determine Whether Your Voluntary Plans Fall Under Safe Harbor
Don’t assume you’re in compliance with the Voluntary Plans Employee Retirement Income Security Act (ERISA) safe harbor rules just because you don’t contribute to the cost of your employees’ voluntary benefits.
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Life and Health Insurance Advisor – Spring 2019
9 Proactive Techniques to Improve Your Workers’ Comp Program and Save Money
Your agent is an excellent resource for ensuring you’re ready when an accident happens — and it doesn’t cost more than necessary.
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What Is Integrated Disability?
With companies like MetLife and Travelers working together to create programs such as their trademarked Synchrony, the concept of integrated disability is gaining wider acceptance, though there are still hurdles.
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Workplace Injuries — What Are the Odds?
Odds are workplace injuries won’t happen — yet they do. The odds can be lowered considerably by taking control of the work environment and ensuring employees perform the job the right way.
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Meet Your Insurance Professional: Claims Examiner
Workers’ compensation insurers and some self-insured employers have employees who examine claims after they are submitted for payment.
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Employee Benefits Report – January 2019
How to Maximize 401(k) Limits and Savings Strategies
Your employees will be able to save more money in their 401(k) retirement accounts this year. The big question, though, is should they save the annual maximum?
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When it Pays for an Employer to be a Life Insurance Beneficiary
Would your business take a financial hit if a key employee passed away? It’s a concern for many employers.
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What to Expect From the ACA in 2019
The only thing certain about the Affordable Care Act (ACA) is change. And with a new year comes new compliance deadlines and proposed new rules and regulations. The Trump Administration has signaled its intent to propose legislation to again alter the ACA.
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New AHP Resources Now Available
Employers interested in forming Association Health Plans (AHP) to purchase health care benefits for their employees have a resource to help with federal regulations and guidelines.
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Employee Benefits Report – December 2018
A Simple Way for Small Employers to Assist Employees with Buying Health Insurance
Are you having difficulty finding a good, affordable health care benefit plan for your small business? If so, have you considered using a QSEHRA as an alternative?
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What You Need to Know About the Growing Popularity of Home-Based Care
The need for home health care aids is expected to increase more than 1.3 million by 2020.
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Does Sick Pay do What it’s Supposed to do? The Case For and Against
Studies show sick pay can reduce the spread of disease in the workplace, but also increase absenteeism.
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What’s In and Out with Benefit Programs
When you offer benefits to your employees, you want to provide the type of benefits that will attract and keep valued employees. However, benefits that once were popular can become less desirable.
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Life and Health Insurance Advisor – November 2018
Keeping Up with Medicare Changes
Here’s what you need to know for 2019.
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Individual ACA Rates are Going Up, Up, Up — Here’s Why
Some areas could see rate increases up to 98 percent
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Q&A: How to Add an Indexed Universal Life Policy to Your Retirement Portfolio
How life Insurance can be an important part of your retirement plan.
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The Surprising Penalties of Genetic Testing
Personal DNA testing kits are all the rage.
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Employee Benefits Report – October 2018
New Rule Increases Small Groups Insurance Buying Power
If you own a small company, you know the frustration of not having the same buying power as large groups when purchasing health benefit coverage.
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The New Frontier of Student Loan Repayment Benefits
Student loan debt is soaring. The Federal Reserve reports that more than 44 million people owe $1.5 trillion in student loans. Loan amounts average $37,172, although some go as high as $100,000 or more.
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ERISA Q&A: What You Need to Know
If you currently offer, or are planning to offer your employees retirement benefits, make sure you’re familiar with ERISA rules and regulations.
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Getting the Most Out of an HSA
Employers are increasingly relying on high-deductible health benefit plans to reduce premium costs.
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Employee Benefits Report – September 2018
Navigating DOL 401(k) Audit Red Flags
Think there’s no way your retirement plan might be audited? Think again.
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Enforcement of the Employer Shared Responsibility Provisions Now in Full Force
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The Internal Revenue Service (IRS) now is enforcing the Affordable Care Act’s Employer Shared Responsibility provisions (ESRP) for health care benefits for 2015 and 2016. The IRS also has announced the affordability percentage for tax year 2019.
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The Nonprofit Dilemma — How to Provide Good Health Care Benefits
Health care benefits are a good way to attract and keep top talent. Here’s what you can and cannot do when offering benefits.
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Wave of the Future: Value-Based Care
The practice of insurers paying fee for services to physicians and hospitals is going the way of the dinosaurs. Look for value-based care to replace the current payment model.
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Life & Health Insurance Advisor – Fall 2018
Getting Ahead of the Curve: Planning Now for Social Security Deficiencies
If you’re like most people, Social Security will provide 40 percent of your income during retirement. Unfortunately, without changes, the federal government may not have enough money in 16 years to fully fund the program.
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The State of Medicare: 2018 and 2026
Medicare, like the federal government’s Social Security program, is on track to eventually run out of funds to pay the entire amount of claims made.
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Insurance That Goes Beyond Health Benefit Coverage
Health Insurance will not always protect you from financial devastation if you suffer from a critical illness.
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Too Much Blue Light? Filtering Lenses May be the Answer
Do you spend a lot of time working on a computer or looking at your smartphone? If so, are your eyes bothering you? Are you having difficulty sleeping?
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