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  • Benefits 101: Embedded vs. Non-Embedded Deductibles

    Benefits 101: Embedded vs. Non-Embedded Deductibles

    Everyone needs health insurance but many people don’t fully understand it.  One important concept to understand is your deductible.  A deductible is the amount of money that must be paid for covered services before the health insurance company begins paying for expenses. For an individual plan, the deductible is straightforward.  But family plans are a…

  • Benefits 101: Personal Leave

    Benefits 101: Personal Leave

    A better work/life balance is at the top of the list for many employees.  However, with the absence of nationwide paid leave regulations for American workers, employers typically determine the extent of paid time off for their employees.  In an increased effort to remain competitive and improve employee attraction and retention, a new survey found…

  • Benefits 101: What Is Critical Illness Insurance?

    Benefits 101: What Is Critical Illness Insurance?

    Critical illness insurance is known by many names: heart attack insurance, catastrophic illness insurance and sick insurance are just a few. No matter what it’s called, it’s designed to guard against the financial costs of a serious disease or condition. As the average life expectancy in the United States continues to increase, insurance brokers are…

  • Top Benefit Trends for 2024

    Top Benefit Trends for 2024

    The challenges that influenced the benefits landscape in 2023 persist—perhaps even more so. Rising costs, due to inflation and increasing health care prices, will continue to present challenges this new year.  But employers who understand the benefits landscape for 2024 can mold their approach for the upcoming year. A new year means revisiting your existing…

  • New Year, New You: Mental Health Tips for 2024

    New Year, New You: Mental Health Tips for 2024

    As we begin to settle into 2024, many of us are thinking about New Year’s resolutions.  The start of a New Year signals a time for change, reflection and a sense of ‘starting afresh’. This year, you can seize the new year’s spirit of renewal and make mental health your top priority! A healthy mind…

  • Year-Round Benefits Education

    Year-Round Benefits Education

    For most organizations, employee benefits communication kicks into high gear during open enrollment season. During this time, there is a surge in emails, educational webinars, fliers throughout the office, and a barrage of forms demanding signatures. Post open enrollment, however, employees often receive minimal information about their benefits. While sporadic email updates or new laminated…

  • Ho, Ho, Ho-ld Off on the Bad Habits This Holiday Season

    Ho, Ho, Ho-ld Off on the Bad Habits This Holiday Season

    ‘Tis the season for family, festivity, and food—lots of food. The holidays dish up a triple whammy of wintry weather, irresistible foods, and stress, which can cause even the strongest-willed person to reach for another festive goodie. While the notion of enjoying “healthy holidays” has a nice ring to it, reaching that goal can be…

  • The Attitude of Gratitude

    The Attitude of Gratitude

    You may have heard the saying attitude of gratitude.  It’s a great little rhyme to remind us to  live a life of gratitude – and practice it!  When we practice being thankful on a regular basis, it not only impacts our mental and physical health, but those around you as well. The Definition of Gratitude…

  • Benefits 101: What Is Accident Insurance?

    Benefits 101: What Is Accident Insurance?

    Accidents happen.  Whether you fall off a ladder, slip and break an arm, or get injured just living everyday life, an accident can happen.  Anytime.  Anywhere. What Is Accident Insurance? Accident insurance helps provide support when life’s most unexpected moments happen.  It makes an accident less painful financially because it helps to pay the bills…

  • Benefits 101: Premiums, Deductibles, Copays, and Out-of-Pocket Maximums

    Benefits 101: Premiums, Deductibles, Copays, and Out-of-Pocket Maximums

    Not understanding benefits terminology is near the top of the list of ways that open enrollment and benefits selection can stress you out.  Open enrollment is coming quickly and soon you will be talking about benefit options. The world of benefits and insurance can be confusing. In-network, out-of-network, deductibles, co-pays and co-insurance? What? Let us…