A Simple Way for Small Employers to Assist Employees with Buying Health Insurance

December 18, 2018
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? Congress created the QSEHRA, or Qualified Small Employer Health Reimbursement Arrangement, in 2016 as part of the 21st Century Cures... Find out more »

Does Sick Pay do What it’s Supposed to do? The Case For and Against

December 11, 2018
Studies show sick pay can reduce the spread of disease in the workplace, but also increase absenteeism. Sick leave allows employees to take a set amount of paid time off when they’re ill. It’s a coveted employee benefit, but some observers wonder if it encourages absenteeism, while others... Find out more »

How to Keep Employees Safe While Traveling

December 4, 2018
Americans took more than 462 million business trips in 2017, according to the U.S. Travel Association. Most trips are 250 miles or less away from home. But even those trips create risk exposures. State laws govern workers’ compensation coverage. Although most policies limit coverage to... Find out more »

What’s In and Out with Benefit Programs

November 30, 2018
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. The Society for Human Resource Management (SHRM) and Forbes magazine conducted surveys to determine... Find out more »

ERISA Q&A: What You Need to Know

November 26, 2018
If you currently offer, or are planning to offer your employees retirement benefits, make sure you’re familiar with ERISA rules and regulations. As a plan sponsor, you must meet at least minimum ERISA standards. One way to ensure you are compliant is to work with a qualified benefits... Find out more »

Individual ACA Rates are Going Up, Up, Up – Here’s Why

Some areas could see rate increases up to 98 percent Next year may see health insurance premiums on the Affordable Care Act (ACA) Marketplace exchange increase 15 percent, although some states could see rates up to 98 percent higher. For instance, insurers in Maryland requested premium increases... Find out more »

Nine Ways to Save on Workers Comp Insurance

Your agent can help explain in more detail and show you how to get the best rates for the coverage you need. 1   Use Correct Job Classifications. There are 500 to 600 job classifications to choose from, and getting the best fit possible can mean getting the lowest rate possible. Sometimes... Find out more »

Keeping Up with Medicare Changes

Here’s what you need to know for 2019. Medicare Part A provides basic hospital insurance and is available at no charge to those who are 65 or older — if they paid Medicare taxes while working. For many, though, that amount of coverage is not enough. Some people want a Medicare supplement... Find out more »

Taking Away the Barriers in the Workforce to Improved Mental Health

Mental illness is a growing problem in this country and treatment options are sparse. Fortunately, as an employer, you can take steps to make it easier for your employees to seek help. The Problem The National Institute of Mental Health estimates that one in five American adults has suffered... Find out more »

Getting the Most Out of an HSA

Employers are increasingly relying on high-deductible health benefit plans to reduce premium costs. And while premiums are lower with a high-deductible health plan than a traditional insurance plan, employees have to cover more of their health care costs before the insurance company pays its... Find out more »