Posts by ctroutman

Why Cancer is an Important Consideration When it Comes to Disability Claims

Posted by on May 30, 2013 in Employee Benefit Program, Income Protection | 0 comments

  For 12 years in a row, cancer topped the list as the main reason for long-term disability claims with some employee benefits providers. The second cause on the list was back problems. Cancer claims made up about 16 percent of the company’s long-term disability claims. However, back problems made up about 15 percent of claims. For short-term disabilities, maternity leave was the most common reason at almost 19 percent. Non-back injuries made up close to 11 percent of short-term disability claims. May is Disability Insurance Awareness Month. When this month arrives, it is a good time...

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What Consumers Need to Know to Save Money On Prescription Drugs

Posted by on Apr 25, 2013 in Health | 0 comments

  Research shows that Americans spent more than $750 upfront for prescription medications in 2012. A survey of both insured and uninsured individuals who regularly took prescription medications showed that the average person spent more than $1,200 out of pocket in the span of one year. After analyzing the results of their study, researchers agreed that the best way for people to save money today is to shop around. Their team of secret shoppers contacted over 200 different pharmacies in the United States to inquire about prices for monthly supplies. When asking companies about prices, they...

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Employers Who Want More Productive Workplaces Should Examine Benefits Options

Posted by on Apr 17, 2013 in Broker Development, Employee Benefit Program | 0 comments

  Recent research shows that only 40 percent of workers in the United States would highly recommend their employers’ workplaces as good locations for employment. In addition to this, the study showed that those who did recommend their employers were more likely to be satisfied with the workplace benefits offered to them. The study also found that 60 percent of workers who recommended their places of employment said that benefits were important reasons why they continued working for the same employers. More than 50 percent of respondents said they were willing to pay more for...

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What Employers Everywhere Need to Know About the New Form I-9

Posted by on Apr 11, 2013 in Broker Development, Employee Benefit Program | 0 comments

  U.S. Citizenship and Immigration Services released a revised version of the I-9 form for general use. Every employer must complete a Form I-9 when they hire new employees. Some recent improvements to the form include a reformatted structure to minimize errors, clearer instructions and new fields. Some of the new fields include spaces for email addresses and employees’ foreign passport information. With the new and improved instructions, employees and employers will be able to better understand exactly what information should be entered in each section. The new form will span two...

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How to Avoid Becoming a Victim of a Health Plan Scam

Posted by on Apr 4, 2013 in Employee Benefit Program, Health | 0 comments

  Fake health plans are appearing more often. The people behind these scams are taking advantage of millions of Americans who do not have and cannot afford regular health insurance. When these bogus plan creators refuse to compensate for the procedures they are supposed to cover, policyholders end up paying for both their medical bills and needless premiums for fake coverage. There are many criminals exploiting the confusion about health care reform. In some cases, people selling these plans are saying they work for the government. Many advertise using the television, faxes and emails. To...

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