Life & Health Insurance Advisor – February 2002

How Life Insurance Works in Divorce Settlements

broken heartOf the two main types of life insurance, permanent and term, only permanent is usually a significant part of a divorce settlement. Read on for details.
 
 
 

Life Insurance and the High Cost of Vaping

girl holding vape penIs vaping safer than cigarettes? Insurance companies don’t think so. Read on for details.
 
 
 
 

Retirement Financial Planning: How to Set Realistic Goals

life planning timelineAs you get close to retirement, it makes sense to switch your mindset from saving for retirement to creating a financial plan that coordinates your spending and saving habits to achieve your retirement goals.
Read on for details.

 

How Accident and Disability Insurance Differ

Accident insurance and disability insurance might sound similar, but they have different, though complementary objectives. Read on for details.

Employee Benefits Report – January 2020

Value-Based Care Gains Favor as a Provider Reimbursement System

man putting money in dr pocketHealth care experts believe value-based care could lower costs and improve patient outcomes.
Read on for details.
 
 
 

Rules and Exceptions When Providing Benefits to Same Sex Couples

law bookEmployers who offer benefits to spouses must also offer them to same-sex couples though there are exceptions. Read on for details.

 
 

IRS Sets 2020 Retirement Plan Contribution and Benefit Limits

tax formsNearly all of the dollar limits currently in effect for 2019 will experience minor increases for 2020. Read on for details.

 
 

Dental Insurance Promotes Overall Health

Providing employees the opportunity to purchase dental insurance is not enough. Employee education is an important element when you offer voluntary benefits. Read on for details.

Employee Benefits Report – December 2019

President Trump Issues New Health Coverage Responsibilities for Employers of Immigrants

visa application
New and proposed immigration requirements for documented and undocumented immigrants could impact employers who offer health care coverage.
Read on for details.
 
 

How Employers Can Avoid FMLA Pitfalls

FMLA handbookThe FMLA has been law since 1993 but employers can still find the rules confusing. Read on for details.
 
 
 
 

When is Indemnity Health Insurance an Acceptable Alternative to a Fully-Insured Plan?

stethoscope with block familyHere’s a look at the advantages and disadvantages.
Read on for details.
 
 
 
 

Are Your Workplace Policies Up to Date about Vaping?

The popularity of vaping is sending some employers scrambling to craft workplace policies governing the use of electronic cigarettes. Read on for details.

Life & Health Insurance Advisor – November 2019

A Beneficiary’s Guide to Filing a Life Insurance Claim

death certificateA life insurance policy can be a thoughtful way to provide for loved ones after you die. But what happens if you are the beneficiary of someone’s life insurance policy?
Read on for details.
 

Two Medicare Enrollment Periods for 2020 Benefits

Medicare puzzle pieceHappy with your Medicare benefits? Not interested in making changes for 2020? Great! You don’t have to do a thing.
Read on for details.

 
 
 

The Case for and Against Universal Health Care

hands holding a heartOne of the hot topics of the 2020 presidential election is universal health care– especially among progressive Democrat candidates. 
Read on for details.

 
 
 

The Benefits of Purchasing Life and Disability Insurance Together

Most people easily grasp the importance of having a life insurance plan. Death is inevitable and life insurance can provide a surviving spouse, children and other dependents with the funds to maintain their standard of living.  
Read on for details.

Employee Benefits Report – October 2019

Health Savings Accounts — One Key to a More Comfortable Retirement

apple with letter blocks Here’s what your employees need to know about health savings accounts
Read on for details.
 
 
 

Genetic Testing Protections and Limitations

test tubeWhen 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. Read on for details.
 

When Life Insurance Isn’t Enough

checklistDisability, not death, is much more likely to cause a person to lose their home.
Read on for details.
 
 
 

Access to Preventive Care Eased for Some HDHPs

The Internal Revenue Service (IRS) has made it easier for people who have high-deductible health plans (HDHPs) with health savings accounts (HSAs) to get preventive care services to treat chronic diseases even if the insured hasn’t yet met the deductible. Read on for details.

Employee Benefits Report – September 2019

Technology’s Growing Importance in Providing Quality Health Care

doctor with tablet
Whenever you sign up for a new group health care benefit plan for your company or receive communications from your insurance carrier about new benefits, there’s a good chance the insurer is using technology to provide you with better service.
Read on for details.

New Rule Offers New HRA Options

HRA cardBusiness owners now have a way to help their employees get individual health care coverage. Read on for details.
 
 
 

Legal Plan Representation: Peace of Mind at an Affordable Cost

lawyerYour employees face legal issues far more often than you might think, and a group legal plan could relieve employees’ financial and legal concerns while increasing loyalty to your company.
Read on for details.
 
 

The Confusing World of Cannabis Regulation and Insurance

Although 33 states and the District of Columbia passed laws legalizing marijuana in some form, don’t assume your group health insurance covers the use of medical marijuana (cannabis) or CBD oil. Read on for details.

Life & Health Insurance Advisor – August 2019

Benefits of Hospital Indemnity Insurance

emergency roomHospital indemnity insurance is gaining in popularity as a way to deal with increasingly higher out-of-pocket expenses.
Read on for details.

Important Changes to Medicare Part D

Medicare puzzle pieceIf you’re retired and have health care coverage through Medicare Advantage Part C or Original Medicare and a Part D plan, you should know that a few changes have been made.
Read on for details.

What to Know: Long-term vs. Short-Term Disability Insurance

man with broken armNo one really expects to become disabled, but it does happen.
Read on for details.

Travel Insurance for Peace of Mind

The last thing you want to think about when planning your dream vacation is canceling your trip. Still, it pays to plan ahead and travel insurance can be one of the most important items you take.
Read on for details.

Employee Benefits Report – July 2019

Meaningful Ways to Support an Aging Workforce

warehouse worker
America’s workforce is aging rapidly — and it will have an impact on your business.
Read on for details.
 
 

The Lure of Workplace Flexibility

home officeThe concept of a flexible workplace is based on the idea that it’s possible to work harder and smarter away from the office or during a shorter work week. The question most employers have is, “Will it work?”
Read on for details.
 
 

A Plan Sponsor’s Cyber Security Responsibilities

computer screenCyber security insurance can help protect you and your workers’ health and retirement benefit plans.
Read on for details.
 
 
 

Choosing a Vision Insurance Plan Your Employees Will Value

A good, quality vision plan is a valuable asset for your employees.
Read on for details.

Employee Benefits Report – June 2019

How to Fight the Opioid Epidemic

USA shaped pill box
Death from an accidental opioid overdose has become one of the top five causes of death in recent years.
Read on for details.
 
 

To Pay or Not to Pay Parental Leave?

dad at home with kidsThere are no laws mandating unpaid leave to care for employee’s family members.
Read on for details.
 
 
 

Retirement Reform on Senate and House Agendas

capitol buildingTwo similar bills in the U.S. Senate and House are designed to make it easier to save for retirement and both bills appear to have bipartisan support.
Read on for details.
 
 

Is Fitness Tracking for Better Health Worth the Risk of Losing Privacy?

Would you require or incentivize your employees to share data from their fitness trackers if it would significantly lower premiums and/or improve their health?
Read on for details.

Life and Health Insurance Advisor – Summer 2019

The Likelihood of Medicare for All

calculatorAfter passing the Affordable Care Act in 2010 and watching Republicans begin to dismantle it in 2017, many Democrats now are proposing Medicare for All.
Read on for details.
 
 

How to be a Caregiver Without Taking a Major Financial Hit

men walking on pathCaregivers can be life savers by taking care of people who cannot care for themselves. However, caregivers must also take care of themselves – particularly their finances.
Read on for details.
 

The Importance of Life Insurance at Any Age

hands holding heartHave you ever wondered what the perfect age is for purchasing life insurance? Here’s a hint – right now! Here’s why:
Read on for details.
 
 

When Euthanasia and Life Insurance Intersect

If a terminally ill person decides on euthanasia, will their life insurance deny their beneficiaries the life insurance money?
Read on for details.

Employee Benefits Report – April 2019

How Employer-Sponsored Dental Insurance Supports Employees’ Overall Health

little girl at dentist
Employer-sponsored dental insurance can play an integral part in your employees’ health.
Read on for details.
 
 

Unlimited Vacation – Good Idea? or Too Many Headaches?

woman on tropical beachWho wouldn’t want unlimited vacation time? Here are a few advantages, as well as pitfalls.
Read on for details.
 
 
 

Advantages and Disadvantages of the Emerging Telehealth Trend

dr on computer screenTelehealth/telemedicine is being touted as a great innovation — the ability to talk to a provider anytime of the day from home for little or no cost. There are advantages and disadvantages.
Read on for details.
 
 

The Advantages of a 457 Retirement Plan

You and your employees might qualify for 457 retirement plans if you work for a state or local government or for certain tax-exempt organizations such as a charities, hospitals or unions.
Read on for details.

Employee Benefits Report – March 2019

Millennials — Changing the Health Care Landscape

doctor holding tabletStudies show that millennials are not interested in having a primary care doctor. They are looking to the Internet, urgent care and employers to help with their health care needs.
Read on for details.

Hospital Prices Now Must be Published Online — But is it a Game Changer?

computer screenWant to know how much a procedure is going to cost you at a particular hospital or medical facility? Look no further than the Internet.
Read on for details.
 

Retirement Plan Options for Former Employees

retired coupleWhen employees leave a job, they often have to decide what to do with their 401(k) retirement account. Encourage them to investigate their options based on their financial situation and long-term goals. The decision they make could affect their retirement funds size.
Read on for details.

How to Determine Whether Your Voluntary Plans Fall Under Safe Harbor

Don’t assume you’re in compliance with the Voluntary Plans Employee Retirement Income Security Act (ERISA) safe harbor rules just because you don’t contribute to the cost of your employees’ voluntary benefits.
Read on for details.