5 Things Employers Need to Know about Domestic Partnerships and Benefit Offerings

May 18, 2018
With the rise in healthcare costs and increase in healthcare legislation, employers are faced with difficult decisions when it comes to their benefit offerings.  Depending on the family demographics of an organization, offering benefits to domestic partners can be a way to promote a culture of... Find out more »

Reference-Based Pricing — A New Way of Paying Health Care Providers

May 17, 2018
Many small employers are turning to self-funding to provide economical group health benefits to employees. A growing number now use reference-based pricing to lower costs. Reference-based pricing is a way for employers who self-fund their benefits to limit costs by paying a fixed amount for health... Find out more »

Ten Reasons to Motivate Employees to Use Their Employee Health Benefit Portal

It’s not enough to give your employees the right health plan if they don’t understand it. An online employee portal or self-service site can help — if employees are motivated to use it. You put a lot of time, effort and money into choosing and purchasing the right health benefit plans for... Find out more »

Financial Market Commentary

February 9, 2018
Which is scarier? The Dow Jones Industrial Average dropping about 2,250 points? The S&P 500 Index dropping about 7.7%? Both recently happened and both are effectively the same thing. After more than 2 years, of record-breaking low (no) volatility, the market is suddenly very... Find out more »

Financially Sound Ways to Give to Minors

November 30, 2017
There are many options for helping a child secure his or her financial future. One of the best presents you can give a grandchild is the gift of a secure future. Money you give them when they are young will grow, increase in value and be used for a variety of purposes. Going to college, buying a... Find out more »

Ways to Fill Winter Storm Insurance Gaps

To cover many of the winter storm property insurance exposures not covered by named peril insurance policies, businesses can buy one of these types of property policies: a broad form property policy, which covers the basic named perils, and adds coverage for falling objects; weight of snow,... Find out more »

Avoiding Winter Storm Damage 

It’s been an unusually damaging year of wildfires and hurricanes. As those kinds of events recede we need to look ahead to the always costly winter storm season that will soon begin. As you read this article, some business owners have already experienced damage from hurricanes. But more bad... Find out more »

Group Health Costs Continue to Climb

It could cost you five percent or more to provide your employees with health care benefits in 2018. After surveying large employers, the National Business Group on Health released a report on plan design costs this summer. They estimate that costs for an employee could rise from $13,482 per... Find out more »

What Safety Regulations Apply to Your Business?

September 6, 2017
OSHA Extends Electronic Form 300A Filing Compliance Date The extension is being made to give the new administration an opportunity to review reporting requirements. At the end of June, OSHA filed a proposal to delay the compliance date of its rule entitled “Improve Tracking of Workplace... Find out more »

3 Tips for a Successful Business Interruption Claim

September 5, 2017
The damage inflicted by Hurricane Harvey has left many businesses in Texas and Louisiana in a state of crisis. Sustaining serious property damage, these organizations may be facing weeks of interrupted business. If property damage results in the suspension of your organizational operations and... Find out more »