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Industry Updates

How to Create the Best Time Off Policies for Small Businesses

Every employee needs a day off occasionally. Many small businesses offer generous paid time off (PTO) policies as a way to compete with larger companies. Not only does this create an attractive incentive for top talent to hire on, but it also helps reduce employee turnover. What Is Paid Time Off? Paid time off is time employees can use for personal purposes while getting paid...

How to Understand Your Coverage When You Are Expecting

If you are expecting a baby, you will naturally want to know what your health plan will cover. Under the Affordable Care Act of 2014, maternity coverage must be provided by all health plans offered to individuals, families, and small groups. Coverage is mandatory for pregnancy, labor, delivery, and newborn care. What Changed About Maternity Coverage with the Affordable Care Act? Before the Affordable Care...

What Happens if You Are Denied Life Insurance?

It can be discouraging, to say the least, when you are trying to protect your family by purchasing life insurance, and your application is rejected. If you have been denied life insurance, you are not alone. It happens to people every day. Keep in mind that you have options and do not give up. Why Are Some People Denied Life Insurance? Typically, life insurance companies...

Here are the Advantages to Having a Health Savings Account

Many employers today are offering high-deductible health insurance plans along with health savings accounts (HSAs). The downside is the high deductible – the amount you must pay out-of-pocket for covered medical expenses before your health plan kicks in. Nevertheless, HSAs have a number of benefits for employees. How Does a Health Savings Account Work? An HSA is a medical savings account that is only available...

What Does a Top-Tier Group Benefits Package Include?

Most companies offer their employees some benefits, but the quality of these packages can vary widely. Top-tier group benefits packages are ideal, as these benefits help attract and retain the best talent in your industry, making it more possible for your company to win the hiring game in a competitive market.  Retaining Top Talent – A Group Benefits Strategy that Works. Some companies are in...