Participate In The “Interactive Process” To Impasse

Given the EEOCs aggressive disability stance, employers are encouraged to engage in the interactive process until it is no longer possible and/or no longer reasonable.  A recent decision issued by the First Circuit Court of Appeals in EEOC v Kohl’s Department Store illustrates why this tip is important. Facts of the case: The situation at… Read more »

Get Dental and Vision Insurance Coverage Offering a Wellness Program

If you are planning on getting group dental and vision coverage as a part of your employee benefits, you will find that working with an insurance company is very helpful. Insurance companies, through their agents, may be able to offer you different varieties of dental and vision programs to fit to the needs of your… Read more »

Employee Benefits: Group Life and Disability

If you are planning to purchase life and disability coverage as a part of your employee benefits, there are several factors to consider. You may need to get the help of a professional insurance agent to help you get acquainted with employee benefits insurance and its competitive prices. You should know that one of the… Read more »

Asset Inflation: as the stock market rises, so do directors and officers liabilities

Without a doubt, directors and officers are becoming the whipping boys of the financial world. Whether the market rises or falls, asset valuation and expectation drives lawsuits towards those in corporate governance and top management. Directors and Officers Liability is one of the fastest growing areas of liability claims and settlements. Why? Largely because directors… Read more »

How the New Affordable Care Act Full-Time Employee Definition Affects You

With the push to boost their bottom line, many companies cut employee hours. This move reduces wages and benefits while saving the company money. If your hours have been cut, the move from full-time to part-time could seriously impact your ability to make ends meet. You’ll be glad to hear about a new full-time employee definition as outlined… Read more »

Key Person Insurance

Protect Your Company from an Early Death or Disability of a Key Employee Key Person Insurance coverage is appropriate for any business that employs one or more people who are key to its success. Key Person coverage insures against the business loss if that key employee dies or is disabled. What is Key Person Insurance?… Read more »

Top 5 Reasons for Workplace Injuries

Employers, did you know that 73.9 percent of all workplace injuries and fatalities relate to only five preventable reasons? According to a 2010 survey, these reasons, and they’re part of the total of the cost is: Overexertion These injuries occur from lifting too much, pushing, holding, pulling, holding, and holding. Of the total paid for… Read more »

What are “Conditions” in a Workers’ Compensation Policy?

The conditions enumerated in a workers’ compensation policy define rights and obligations to the parties. They outline governance of the day to day relationship between a carrier and an insured. Typical conditions include: 1. The first named insured is solely responsible for all insured parties concerning premium payment, communications such as cancellations, refunds, or additional… Read more »

ERISA: HIPAA Coverage and Exclusions

HIPAA, the other portion of ERISA that concerns most employees, allows for the portability of benefits, and restricts insurers from dropping high risk patients. When you leave a position, you are eligible for healthcare at your next job, even if you have a pre-existing condition like cancer or a chronic illness. While most people benefit… Read more »