The Benefits of Individual Health Insurance

Over the past few years, many employers have found it more and more difficult to cope with rising health insurance expenses. Still yet, though, the ACA mandates that employers with 50 or more full-time employees provide health insurance to their workers. And while employee-paid insurance plans are of the utmost value, coverage is sometimes lacking,… Read more »

Understanding the Benefits of Voluntary Insurance Products

When it comes to finding and retaining quality employees, you must be able to provide them with a comprehensive benefits package. Even if you can’t afford to pay for all of the included insurance products, they should be offered. You will likely find that many of your employees prefer to pay for voluntary products instead… Read more »

Understanding Voluntary Life Insurance

You’ve likely heard of life insurance before, but have you heard of voluntary life insurance? This type of policy proves to be of the utmost value because it allows you to rest assured that your loved ones will be protected in the event that you pass away. As you can see, it is very similar… Read more »

Top Benefits of Outsourcing Benefits and Payroll Tasks

You likely spend a good portion of your time on benefits and payroll tasks. And while handling benefits and payroll internally does have its advantages, there are many reasons to consider outsourcing the involved activities. Here’s a quick look at the advantages your company can gain. More time to focus on core operations When you… Read more »

Understanding COBRA

The Consolidated Omnibus Budget Reconciliation Act, also commonly referred to as COBRA, has provisions in it that require group health plans to continue their benefits during certain instances that would otherwise cause coverage to be terminated. This continuation of coverage applies to the policyholder, their spouse, former spouses, as well as any dependent children. For… Read more »

Understanding the Benefits of Individual Long-term Disability Insurance

For people who earn a high salary that is based partially on bonuses or commissions, it’s important to keep in mind that long-term disability plans don’t usually take into consideration these types of income. Take for example that you earn $60,000 a year, but you usually bring in $20,000 in bonuses. If you were to… Read more »

Understanding the Benefits of Long Term Care Insurance

If you don’t have health insurance, you should consider setting up an appointment with a professional insurance agent to find the best policy. For those of you who go without insurance this year, you will have to pay a penalty come tax time. In fact, the government can directly hold the penalty from your tax… Read more »

Understanding Life Insurance: Annual Renewable vs Survivorship

If you are thinking about investing in a life insurance policy, it is imperative that you understand your options. From renewable policies to whole life plans, it can be a bit confusing as to which plan works best for you and your individual situation. Many people will find that by speaking with a reputable insurance… Read more »

It’s Time to Give Your Employees the Benefits Package They Deserve

What types of benefits are you providing to your employees? Are you offering a comprehensive package? If not, you need to be. Sure, investing in insurance and benefits for your employees is going to cost money, but it’s tax deductible, and best of all, offering a well-built package will help attract the top talent working… Read more »