This isn’t your typical company blog. We aren’t here to just tell you about all the great things we are doing or push the latest press release. Our goal is to provide you with current benefit news, educational material, and hopefully some fun stuff to read.

This isn’t a one-way street either. We have social media accounts for a reason. If you hear about something cool that we haven’t posted yet, let us know. Plus, we’re always adding more so be sure to like us on Facebook and add us on Twitter so you don’t miss anything.

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

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

  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...

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What Consumers Need to Know to Save Money On Prescription Drugs

Posted by on Apr 25, 2013 in Health |

  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...

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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 |

  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...

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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 |

  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...

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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 |

  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...

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Understanding The HHS Rules For Essential Health Benefits

Posted by on Mar 29, 2013 in Employee Benefit Program, Health |

  The HHS ruled to establish the future of insurance issuer standards and health insurance exchanges for actuarial value and essential health benefits under the PPACA. The final rule creates a plan for when federal facilitated exchanges should accredit qualified health plans. When the PPACA goes into full effect, insurance plans that were not grandfathered into the small and individual market must provide coverage of services or benefits in 10 categories. They must also show the scope of benefits a typical employer plan covers. Qualified...

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Understanding How HIPAA Affects Availability of Health Information to Other Parties

Posted by on Mar 20, 2013 in Human Resources |

  In 1996, Congress passed the Health Insurance Portability and Accountability Act, which is commonly referred to as HIPAA. This act outlines who has lawful access to a person’s health records. Under the act, a person has a guaranteed provision to his or her own health information. However, it does set limits on the release and use of medical data. It also outlines several privacy standards for healthcare professionals. Every person has the right to know how his or her digital data is stored and used. Before they share or release any...

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Estate Taxes for 2013 and Beyond

Posted by on Mar 13, 2013 in Human Resources, Income Protection, News |

  The dust has finally settled – for the moment. And Congress has stabilized the estate tax situation, which has been in a state of uncertainty since the so-called “Bush Tax Cuts” formally expired in 2010. The deal is this: The worst-case scenario in which all estates north of $1 million would have been hit with a confiscatory 55 percent tax on the excess was averted. That’s great news for anyone with a good sized home, a small business or family farm and/or a decent-sized retirement fund. Instead, lawmakers came...

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Gauging the Sequester’s Impact: Where and how soon might the cuts be made?

Posted by on Mar 5, 2013 in News |

    As there was no last-minute agreement between Congress and the White House to postpone federal budget cuts scheduled to take effect March 1, the ax now falls. Unless a bipartisan effort somehow undoes them, assorted federal government agencies will have their budgets reduced by $85 billion between now and October 1, as the initial step in a planned $1.2 trillion deficit trimming over the next ten years. (The belt-tightening could have been more severe: without January’s fiscal cliff deal, it would have been $109...

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Employers Continue Searching for Ways to Contain Dental Insurance Costs

Posted by on Feb 27, 2013 in Employee Benefit Program, Health |

  Slightly more than half (54%) of Americans received some form of dental insurance coverage in 2002, according to a recent report from the National Association of Dental Plans (NADP).  Cost increases for 2002 and 2003 once again outpaced inflation.  Expect this trend to continue as dental costs are projected to rise another 5% in 2004, according to HR consulting firm Towers Perrin.  In an effort to control costs, employers have continued to shift away from traditional indemnity and HMO dental plans as they search for more affordable ways...

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