Employee Benefits Report – October 2019

Health Savings Accounts — One Key to a More Comfortable Retirement

apple with letter blocks Here’s what your employees need to know about health savings accounts
Read on for details.

Genetic Testing Protections and Limitations

test tubeWhen the federal government passed the Genetic Information Nondiscrimination Act (GINA) in 2008, the law provided a starting point and baseline to prevent insurance carriers from using genetic testing information to determine rates. Read on for details.

When Life Insurance Isn’t Enough

checklistDisability, not death, is much more likely to cause a person to lose their home.
Read on for details.

Access to Preventive Care Eased for Some HDHPs

The Internal Revenue Service (IRS) has made it easier for people who have high-deductible health plans (HDHPs) with health savings accounts (HSAs) to get preventive care services to treat chronic diseases even if the insured hasn’t yet met the deductible. Read on for details.

Personal Lines – Fall 2019

Good News, Bad News about Car Theft

car thiefTen 10 tips to keep you from being victim to increasingly clever car thieves.
Read on for details.

Why You Always Need an Umbrella — Even When It Isn’t Raining

lightning stormBad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella insurance policies come in. They provide a convenient and surprisingly affordable extra layer of protection for your key assets. Read on for details.

How to Protect against Lightning

umbrellaLightning is the most dangerous and frequently-encountered weather hazard that most people experience each year. How to protect yourself and your home.
Read on for details.


Are You Prepared for an Emergency?

Although people in the U.S. are better prepared today for an emergency than several years ago, only 43 percent of respondents in the Federal Emergency Management Agency’s 2017 National Household survey said they had taken at least three of the actions listed below to prepare for a potential emergency.
Read on for details.

Life & Health Insurance Advisor – August 2019

Benefits of Hospital Indemnity Insurance

emergency roomHospital indemnity insurance is gaining in popularity as a way to deal with increasingly higher out-of-pocket expenses.
Read on for details.

Important Changes to Medicare Part D

Medicare puzzle pieceIf you’re retired and have health care coverage through Medicare Advantage Part C or Original Medicare and a Part D plan, you should know that a few changes have been made.
Read on for details.

What to Know: Long-term vs. Short-Term Disability Insurance

man with broken armNo one really expects to become disabled, but it does happen.
Read on for details.

Travel Insurance for Peace of Mind

The last thing you want to think about when planning your dream vacation is canceling your trip. Still, it pays to plan ahead and travel insurance can be one of the most important items you take.
Read on for details.

Employee Benefits Report – July 2019

Meaningful Ways to Support an Aging Workforce

warehouse worker
America’s workforce is aging rapidly — and it will have an impact on your business.
Read on for details.

The Lure of Workplace Flexibility

home officeThe 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?”
Read on for details.

A Plan Sponsor’s Cyber Security Responsibilities

computer screenCyber security insurance can help protect you and your workers’ health and retirement benefit plans.
Read on for details.

Choosing a Vision Insurance Plan Your Employees Will Value

A good, quality vision plan is a valuable asset for your employees.
Read on for details.

Personal Lines – Summer 2019

6 Common Homeowners Insurance Coverage Gaps

house with gapMany of the following types of losses may not be fully covered under a basic homeowners policy. Some may require separate policies.
Read on for details.

Five Most Common Dangers in your Home

flaming burner on stoveSimple safety precautions in the home can prevent needless deaths and injuries and save billions of dollars in costs. Read on for details.

What Does that Speeding Ticket Really Cost?

man with his head on the steering wheelEvery year, about 41 million Americans, or one-fifth of drivers, get speeding tickets. They pay more than $6.2 billion in fines, according the U.S. Highway Patrol.
Read on for details.

Home-Based Business Insurance Options

In addition to needing property and liability insurance for your home based business, it’s important to consider two other important kinds of business insurance.
Read on for details.

Life and Health Insurance Advisor – Summer 2019

The Likelihood of Medicare for All

calculatorAfter passing the Affordable Care Act in 2010 and watching Republicans begin to dismantle it in 2017, many Democrats now are proposing Medicare for All.
Read on for details.

How to be a Caregiver Without Taking a Major Financial Hit

men walking on pathCaregivers 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.
Read on for details.

The Importance of Life Insurance at Any Age

hands holding heartHave you ever wondered what the perfect age is for purchasing life insurance? Here’s a hint – right now! Here’s why:
Read on for details.

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?
Read on for details.

Employee Benefits Report – April 2019

How Employer-Sponsored Dental Insurance Supports Employees’ Overall Health

little girl at dentist
Employer-sponsored dental insurance can play an integral part in your employees’ health.
Read on for details.

Unlimited Vacation – Good Idea? or Too Many Headaches?

woman on tropical beachWho wouldn’t want unlimited vacation time? Here are a few advantages, as well as pitfalls.
Read on for details.

Advantages and Disadvantages of the Emerging Telehealth Trend

dr on computer screenTelehealth/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.
Read on for details.

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.
Read on for details.

Personal Lines – Spring 2019

Auto Insurance Policy Changes You Should Know About

insurance policy papersIncluding updates on flying cars, key fobs and pet injury coverage.
Read on for details.

Dr. Risk Management says, “Get an Insurance Checkup”

insurance checklistIt’s good for your financial health because having too little — or too much insurance — can cost you money. A regular insurance checkup can help ensure you have the amount and type of coverage you need. Read on for details.

How Does Green Construction Affect Insurance Costs?

grass houseIn the next three years developers expect 60 percent of their projects will be Green.
Read on for details.

Benefits of Green Construction

Siting and design efficiency — the goal is to minimize impact in terms of a building’s location and the surrounding environment.
Read on for details.

Life and Health Insurance Advisor – Spring 2019

9 Proactive Techniques to Improve Your Workers’ Comp Program and Save Money

arm in a braceYour agent is an excellent resource for ensuring you’re ready when an accident happens — and it doesn’t cost more than necessary.
Read on for details.

What Is Integrated Disability?

people shaking handsWith 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.
Read on for details.

Workplace Injuries — What Are the Odds?

woman walking through airportOdds 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.
Read on for details.

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.
Read on for details.

Employee Benefits Report – January 2019

How to Maximize 401(k) Limits and Savings Strategies

401(k) form
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?
Read on for details.

When it Pays for an Employer to be a Life Insurance Beneficiary

paper family under umbrellaWould your business take a financial hit if a key employee passed away? It’s a concern for many employers.
Read on for details.

What to Expect From the ACA in 2019

ACA signThe 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.
Read on for details.

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.
Read on for details.

Personal Lines – Winter 2018

What Do You Mean That’s Not Covered?

person holding houseJust because something is in your home doesn’t necessarily mean it’s covered by your homeowners policy.
Read on for details.

What Happens if I have a Homeowners Claim?

penguins in flooded kitchenAfter a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! Read on for details.

Insuring Motorcycles…and their Drivers

man riding motorcycleAs with cars, states require motorcycle owners to buy a minimum amount of liability coverage.
Read on for details.

Alternatives to Insurance for Home Electrical and Mechanical Systems Losses

One thing you can (and should) do to reduce potential losses to these systems is to take good care of them by:
Read on for details.

Life and Health Insurance Advisor – November 2018

Keeping Up with Medicare Changes

medicare puzzle pieceHere’s what you need to know for 2019.
Read on for details.

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

increasing coin stacksSome areas could see rate increases up to 98 percent
Read on for details.

Q&A: How to Add an Indexed Universal Life Policy to Your Retirement Portfolio

retirement plan notebookHow life Insurance can be an important part of your retirement plan.
Read on for details.

The Surprising Penalties of Genetic Testing

Personal DNA testing kits are all the rage.
Read on for details.