3 Things to Consider When Choosing Group Benefits

The employees you want on your team will need benefits. In a tight job market, with competition for talent higher than ever, the benefits you offer matter. When choosing group benefits, several basic issues must be thoroughly evaluated before deciding on what to offer employees: Employee Demographics – Generation Alpha, Gen Z, Millennials, Gen X, […]

Review Your Policy After These Major Life Changes

If you have life insurance, you are in good shape. However, when major life changes occur, it is time to review your policy and update it to suit your new situation. When to Review Your Life Insurance? Several life events will significantly change your life insurance needs. These include: Getting married: Once you are married, […]

Does Medicare Cover Weight Loss Programs?

Losing weight is always a challenge, and support is available through your Medicare plan, depending on your coverage. If a weight loss treatment is deemed to be medically necessary by your doctor, a range of services is available to you. What Each Medicare Plan Covers for Weight Loss Medicare Part A Medicare Part A will […]

Benefits of Providing Financial Planning Resources to Employees

The most basic group benefit plan will provide some form of health insurance to employees, with some percentage paid by the employer. Many employers have taken steps to offer a more appealing range of benefits to their employees, including life insurance, long term care insurance, a 401(k) with matching funds, and vision or dental coverage. […]

6 Foods to Help Prevent Dehydration

Across the USA, many people live in communities that are experiencing hot, dry weather. Staying well hydrated is always important, and even more so during the hot summer months. Obviously, drinking plenty of water is vital, but there is more to staying hydrated than just consuming liquids. Electrolytes work to direct water and other nutrients […]

How to Determine the Right Amount of Coverage Needed

Life insurance – everyone needs it, but how much coverage do you need? Every individual has a unique situation and choosing the amount of coverage requires calculating specific factors. These include the financial obligations that would be left should you suddenly pass away, including: Income replacement: Your loved ones can be left in a dangerous […]

How to Find the Right Caregiver

If you have an elderly relative or a younger person with physical or mental limitations, you may need to find a caregiver. Every situation requires a specific level of training to provide the support your loved one needs. The caregiver becomes part of your family and choosing right could not be more important. What Type […]

How HRAs Offset Premiums & Deductibles For Group Plans

A health reimbursement arrangement (HRA) can offset premiums and deductibles in a group health insurance plan. These savings are realized when a high-deductible health plan (HDHP) is combined with a Deductible-Gap HRA. Employers can benefit by saving money and reducing overhead with a high deductible, while the effect on employees is offset by the HRA. […]

How Much Sun Is Too Much Sun?

It is common knowledge that too much sun exposure is bad for your skin. Most people also know that we need sunlight to make vitamin D, a micronutrient that aids bone growth and absorption of calcium, controls cell growth, regulates immunity, and helps prevent inflammation. Unfortunately, it can be tricky balance between getting the sunshine […]

How A Traffic Ticket Can Affect Your Life Insurance

No one is perfect, and most people get a traffic ticket at least one in their lifetimes. But the truth is, your driving record can significantly affect your life insurance. If you have a current life insurance policy and you get a speeding ticket, it will not affect your rates. On the other hand, if […]