Health Savings Accounts – One Key to a More Comfortable Retirement

October 11, 2019
Most people know that a 401(k) plan is a valuable retirement tool. It’s less well-known that a health savings account (HSA) also is a valuable retirement tool. Not only is an HSA a great way to save for medical expenses while employed, but the same savings account also can be used during... Find out more »

8 Exceptions to the Course of Employment Rule

October 7, 2019
To better understand course of employment rules it’s useful to look at the exceptions. When someone is injured on the job, the connection — or nexus — between the job and the injury is usually clear and indisputable. But sometimes, it’s not. For instance, say you work at... Find out more »

Genetic Testing Protections and Limitations

October 2, 2019
When the federal government passed the Genetic Information Nondiscrimination Act (GINA) in 2008, the law provided a starting point and baseline to prevent insurance carriers from using genetic testing information to determine rates. Today, as genetic testing kits have become even more popular,... Find out more »

Health Savings Accounts – One Key to a More Comfortable Retirement

September 30, 2019
Here’s what your employees need to know about health savings accounts Most people know that a 401(k) plan is a valuable retirement tool. It’s less well-known that a health savings account (HSA) also is a valuable retirement tool. Not only is an HSA a great way to save for medical... Find out more »

Pros and Cons of Excluding Owners and Officers from Workers’ Comp Coverage

September 26, 2019
Some businesses decide owners and officers workers’ compensation coverage is unnecessary, but the potential savings need to be weighed against the risk of not having it. Although employers in most states are required to provide workers’ compensation insurance to employees, including... Find out more »

New Rule Offers New HRA Options

September 23, 2019
Business owners now have a way to help their employees get individual health care coverage. The U.S. Departments of Health and Human Services; Labor; and Treasury released a new rule in June that allows employers to contribute to Individual Coverage Health Reimbursement Arrangements (ICHRA) as... Find out more »

Why You Always Need an Umbrella — Even When It Isn’t Raining

September 19, 2019
Bad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella insurance policies come in. They provide a convenient and surprisingly affordable extra layer of... Find out more »

9 Ways to Improve Your Workers’ Comp Program and Save Money

September 16, 2019
The key is advance planning. 1   Make sure your employee classifications are correct. There are 500 to 600 job classifications to choose from, and getting the best fit possible can mean getting the lowest rate possible. Sometimes employees whose duties are only clerical get included in... Find out more »

How to Understand an Insurance Policy

September 12, 2019
Most people would rather go to the dentist than try to read an insurance policy. Like most things that seem intimidating at first, though, when you break it down, it makes a lot more sense. There are four basic parts to every insurance policy: •  ... Find out more »

Your Hurricane Survival Checklist

September 10, 2019
Already responsible for an estimated $1.5 to $3 billion of property damage in the Caribbean, once Category 5 hurricane, now post-tropical cyclone Dorian has caused damage spanning from the Bahamas, to Nova Scotia, and throughout the Atlantic coast.  If you are facing property loss and the... Find out more »