Author Blog Post Archive
In the era of health care reform, high-deductible health plans significantly increased health care costs to most employees. It is important to consider how an accident might affect their month-to-month budgets. Even with a comprehensive major medical plan, they could still face substantial out-of-pocket expenses.
A huge component of running a successful business is incentivizing and retaining good employees. Most employers create this incentive by offering quality benefits packages, which boost employee morale, minimize turnover rate, support healthier lifestyles, lead to better job performance and ultimately improve the profitability of the business. However, in light of the healthcare reform, attractive […]
In this era of requirements and changes associated with the Affordable Care Act (ACA), keeping costs down while still providing a competitive benefits package has become a constant struggle for large and mid-sized employers. The two most common means of controlling costs—neither of them particularly palatable—have been (1) lowering the level of coverage for employees […]
Being a smart buyer of long-term disability insurance (LTD) for your company is about more than just up-front costs — it’s about providing income refuge for the employee and a compassionate and cost-effective path to separation for the employer while reducing liability. We’ll review key aspects of a well-crafted LTD plan, including getting the injured […]
There are a lot of myths and misconceptions about Health Savings Accounts (HSAs), which is unfortunate because of the unparalleled benefits of this type of account. I work with hundreds of organizations, helping them to build employee benefits plans, and confusion often arises when discussing HSAs. To cut through the confusion, I’m going to outline […]
The last thing most people want to spend time thinking about when planning a dream trip is health insurance.