The Heat (App) Is On!

Heat illness sickens thousands of workers every year, and severe cases can be fatal. To help keep outdoor workers cool, the Occupational Safety and Health Administration developed a free app to calculate worksite heat index and risk levels, and educate users about how to respond to a heat emergency. More than 187,000 people have downloaded… Read more »

Employment Practices Risks: Reality Check

I just finished listening to an interesting podcast by the Freakonomics authors about the risks that gun use presents. For example, they indicated that the odds of a gun causing a person’s death are about 1 in 10,000, while the chances of a backyard swimming pool causing a death are some 100 times greater. Does this mean… Read more »

Group Disability: A Financial Safety Net For Your Workers

If sickness or injury kept an employee off the job for weeks — or months — how would he or she be able to pay the bills? The answer: Group Disability insurance provides an invaluable source of income, averaging about 60% of his or her earnings, for up to two years (depending on the policy)…. Read more »


Everyone knows that Life insurance helps provide financial protection for families and loved ones in case of death. However, you might not know that a number of “riders,” either included in most Term Life policies, or inexpensive to add, can provide additional benefits. Accelerated Death Benefit (ADB). For obvious reasons, Term Life coverage doesn’t directly… Read more »

Nursing Homes and Residential Care Facilities Hit With Overtime Claims

This month the United States Department of Labor reported that from 2011 to 2014 it recovered more than $6.8 million in overtime and unpaid minimum wages for more than 1300 employees in Bay Area nursing homes and residential care facilities. Working conditions in some residential care facilities can be difficult for many caregivers. Many of… Read more »

How Much Money Do You Need To Save For Maryland Retirement?

One hundred thousand, one million or one billion – how much should you save for retirement? Instead of drawing a random number from a hat, use tips from financial planners to prepare for your future. Write Down Retirement Goals  Do you want to travel the world or move closer to your children after you retire?… Read more »

How to Build a Better Relationship With Your PCP

How’s your relationship with your primary care physician or PCP? Because your doctor diagnoses illness, performs preventative checkups and looks out for your physical wellbeing, you want to build a better relationship as you take care of your health now and into the future. 1. Have an Agenda What do you expect from a doctor… Read more »

Vision Insurance Options for Your Entire Family

Annual eye exams diagnose your eye health and ensure you have the right corrective lens prescription. Most standard health insurance policies don’t include vision coverage, though. Instead of paying high out-of-pocket expenses for optometrist visits and eyeglasses for you and your family members, investigate a few options that improve and protect your eyesight without breaking… Read more »

Does Worker’s Comp Cover Long-Term Disability or Illnesses

Worker’s comp insurance covers your medical treatment after you suffer an injury or are involved in an accident at work. However, you also need to know if workers comp can cover long-term illnesses or disabilities. What Long-Term Illnesses and Disabilities are Covered? Your employer’s worker’s comp insurance policy will include specific details about the exact… Read more »