Life & Health Insurance Advisor – November 2020
Your Life Insurance Options During the COVID-19 Pandemic
With the news media reporting daily on the number of COVID-19 cases and deaths, it’s not surprising that many people are concerned about whether their families will be taken care of if they contract the disease and die.
Read on for details.
Health Benefit Options for Those Who Are Disabled
Are you disabled and wondering if you qualify for health insurance at a reasonable rate? Read on for details.
Tips for Saving for Retirement — Even When Budgets are Tight
Even before the pandemic the majority of Americans didn’t have a retirement account. For many, saving for retirement is now harder than ever.
Read on for details.
Depression — No Excuse Not to See a Doctor
Many more people are depressed now than at the beginning of 2020 and experts blame the COVID-19 pandemic. Unfortunately, too many people affected by depression and other medical issues are not seeing a doctor. Read on for details.
Employee Benefits Report – October 2020
Prescription Drug Executive Orders’ Future Unknown
Four orders have been signed, but it’s unlikely they will go into effect before the election. Read on for details about the orders and their possible impact.
Read on for details.
Managing FMLA During COVID-19
The COVID-19 pandemic has created several challenges for employers trying to determine the best way to stay in compliance with Family and Medical Leave Act (FMLA) guidelines.
Read on for details.
Important Steps to Take Before Launching Your Annual Benefits Enrollment
Paper shuffling, bewildered looks, and frantic note-taking. It’s another open enrollment season — the annual 30-day period during which workers choose their benefits for the coming year
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Importance of Flu Shots Heightened During the COVID-19 Pandemic
Health care workers faced a difficult challenge this year — treating patients with the unpredictable COVID-19 virus.
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Employee Benefits Report – September 2020
Pros and Cons of Employees Working Remotely
With two-thirds of employees working from home at least part-time, employers are finding there are advantages and disadvantages.
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How the Pandemic Could Shape the Future of Health Care
The COVID-19 pandemic has quickly forced the medical community in the United States to rethink how it provides health care. In response to the crisis, new regulations have been enacted and advances in technology fast-tracked.
Read on for details.
Where the 2020 Presidential Candidates Stand on Health Care Reform
The nation’s health care system is expected to be one of the top issues for voters in the 2020 presidential election because of the declining number of Americans with health insurance, in part due to job losses, and the rise in health care and insurance costs.
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Be Prepared: What You Need to Know Before Offering Vision Coverage
Vision benefits are an important part of a complete health package. Providing the right benefits can boost morale and attract and retain talent.
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Life & Health Insurance Advisor – August 2020
Your Options if You Lose Your Employer-Sponsored Health Care Coverage
Estimates are that more than 26 million people could become uninsured due to the workplace shutdowns. Read on for details.
The Hidden Costs of $0 Premium Medicare Plans
State insurance departments are warning citizens to beware of so-called “zero premium” Medicare plans.
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What You Need to Know About Getting Health Insurance for Yourself — and an Employee
Yes, you can get health insurance coverage if you only have one employee (unless that employee is your spouse).
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How Your Credit Score Reveals Your Suitability for Life Insurance
A good credit rating can open a lot of doors. Not only can it make it easier for you to borrow money at a reasonable interest rate, but it can positively affect your ability to rent or buy a home, apply for a credit card or even get a job. Read on for details.
Employee Benefits Report – July 2020
How to Keep Employees from Raiding Retirement Funds
The COVID-19 pandemic has wreaked havoc upon the finances of many employees, and some have been forced to use funds from their retirement plans.
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3 Challenges for Benefit Managers During the Pandemic
Providing benefit portability, helping employees manage their work/life balance and maintain financial stability can help employees during this difficult time.
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Mustering Employer Resources to Combat Mental Health Issues
Unfortunately, as a consequence of the work-from-home, shelter-in-place and quarantine initiatives put in place to keep us safe from COVID-19, there has been a rise in emotional distress.
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What to Consider Before Employees Fly the Friendly Skies Again
Now that restrictions due to the COVID-19 pandemic are being lifted, some businesses are allowing employees to travel for work again.
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Employee Benefits Report – June 2020
Retirement Plans: Cash Flow Problem Solver
Cash flow is a big concern for both employers and employees, and the $2 trillion coronavirus economic relief bill and existing regulations provides an unlikely beneficiary — retirement plans.
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Benefits and Challenges of Telehealth Begin to Emerge
Telehealth’s convenience and value were highlighted when fears about the coronavirus pandemic prompted individuals to look for a way to get medical advice without having to go to a doctor’s office.
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States Taking Action to Control Rising Drug Costs
States are taking action to keep prescription drug costs from rising uncontrolled.
Read on for details.
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What Employees Need to Know About COVID-19 and Life Insurance Benefits
With COVID-19 still in the forefront of everyone’s mind, your employees may be wondering if the life insurance they purchased or that you provided will pay their beneficiaries if they die from the disease. Read on for details.
Life & Health Insurance Advisor – May 2002
What the Coronavirus Taught Us
Wash your hands and check your health care benefits to see what’s covered! Read on for details.
What Credit Insurance Can and Cannot Do for You
Credit insurance and credit protection can be prudent options for avoiding financial ruin. Read on for details.
Know Your Rights: How to Appeal a Denied Health Plan Payment
The first step is making sure the denial wasn’t made in error. Read on for details.
How Life Insurance Companies Get to the Truth
Life insurance companies need honest answers to questions about your health to determine appropriate premiums and coverage levels.Read on for details.
Employee Benefits Report – April 2020
SECURE Act’s Effect on Retirement Plans
Here’s a review of the changes that affect small employers and some large ones.
Read on for details.
ERISA Compliance for Small and Large Employers
Despite its name, Employee Retirement Income Securities Act (ERISA) regulations apply not only to retirement plans, but to all “welfare” plans, including health benefits.
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How to Conduct a COBRA Self Audit
To help avoid an audit, or to be prepared in case an audit is ordered, it’s best to conduct a self audit.
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Giving Benefits the Respect They Deserve (and the Law Requires)
If you offer your employees health benefit coverage, your substance abuse and mental health benefits should be comparable to the other medical benefits in your plan.
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Employee Benefits Report – March 2020
States Actively Working to Reform Health Care
Health care reform continues to be a hot topic during the 2020 presidential election.
Read on for details.
Background Checks: The Fine Line of Staying in Compliance
Background checks allow employers to get a clearer picture of an applicant’s job and personal history. So, what happens if you find out that the applicant has a criminal background or has been convicted of drug use? Read on for details.
How to Stay in Compliance When Employees Work Remotely
As telecommuting continues to gain popularity with it comes a new set of compliance challenges for businesses.
Read on for details.
The Role of Pharmacy Benefit Managers
Does your health benefit plan have a pharmacy benefit manager (PBM)? If so, it’s important you understand how a PBM affects your and your employees’ access to prescription drugs, as well as controlling your out-of-pocket costs. Read on for details.
Life & Health Insurance Advisor – February 2002
How Life Insurance Works in Divorce Settlements
Of 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
Is vaping safer than cigarettes? Insurance companies don’t think so. Read on for details.
Retirement Financial Planning: How to Set Realistic Goals
As 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.
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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
Health 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
Employers 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
Nearly 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
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
The 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?
Here’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.