Author: admin

  • Life Insurance on Your Terms: Unveiling Voluntary Coverage!

    Life Insurance on Your Terms: Unveiling Voluntary Coverage!

    Life Insurance at Work: Your Guide to Voluntary Coverage

    We all juggle life’s different responsibilities, and ensuring our loved ones are financially secure in case of our passing should be a top priority. Life insurance offers a safety net but typically the amount of coverage included as a standard company-paid life insurance policy isn’t enough to cover the financial needs of your dependents. This is where voluntary life insurance comes in – an option your employer might offer as part of your benefits package.

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  • Benefits Basics: What Is an EAP?

    Benefits Basics: What Is an EAP?

    Mental health isn’t just the absence of illness. It’s a continuum ranging from severe symptoms such as panic attacks and major depression to excellent mental strength and well-being.

    Sometimes you’re not ill, but you aren’t well either – and you need help.  If you’re feeling down about work or a problem in your life and need to talk to somebody, an Employee Assistance Program (EAP) is a great solution.

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  • What Is Hospital Indemnity Insurance?

    What Is Hospital Indemnity Insurance?

    No matter whether it is anticipated or unexpected, a hospital stay is expensive.  According to HealthCare.gov, the average 3-day hospital stay in the United States costs around $30,000.  Health insurance will cover some of the costs if you are admitted to the hospital, but you may have other out-of-pocket costs.  Hospital Indemnity Insurance can help cover expenses that result from a hospital visit and unexpected emergencies.

     

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  • Critical Illness Insurance: What Is It? Who Needs It?

    Critical Illness Insurance: What Is It? Who Needs It?

    Critical illness insurance is known by many names: heart attack insurance, catastrophic illness insurance and sick insurance are just a few. No matter what it’s called, it’s designed to guard against the financial costs of a serious disease or condition.

    As the average life expectancy in the United States continues to increase, insurance brokers are finding ways to make sure Americans can afford the privilege of getting older.  Critical illness insurance was developed in 1996, as people realized that surviving a heart attack or stroke could leave a patient with a mountain of medical bills.

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  • Everyone Benefits From Year-Round Benefits Communication

    Everyone Benefits From Year-Round Benefits Communication

    For most organizations, employee benefits communication kicks into high gear during open enrollment season. During this time, there is a surge in emails, educational webinars, fliers throughout the office, and a barrage of forms demanding signatures.

    Post open enrollment, however, employees often receive minimal information about their benefits. While sporadic email updates or new laminated signs in the office kitchen may occur, a comprehensive, year-round employee benefits communication plan is often lacking.

    This oversight represents a significant missed opportunity. An annual approach is insufficient to ensure that employees genuinely comprehend and effectively utilize their benefits.

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  • What Is Accident Insurance?

    What Is Accident Insurance?

    Accidents happen. Whether you fall off a ladder, slip and break an arm, or get injured just living everyday life, an accident can happen. Anytime. Anywhere.

    What Is Accident Insurance?

    Accident insurance helps provide support when life’s most unexpected moments happen. It makes an accident less painful financially because it helps to pay the bills that your medical insurance doesn’t completely cover. It is important to understand that accident insurance is not intended to be a substitute for medical coverage. Instead, it is used as additional coverage and financial assistance.

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  • Understanding Health Insurance Basics

    Understanding Health Insurance Basics

    Not understanding benefits terminology is near the top of the list of ways that open enrollment and benefits selection can stress you out.  Open enrollment is coming quickly and soon you will be talking about benefit options. The world of benefits and insurance can be confusing. In-network, out-of-network, deductibles, co-pays and co-insurance? What?

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  • Open Enrollment: What Is It and How Does It Work?

    For millions of Americans, the end of the year is open enrollment season – a yearly opportunity to take stock of your health care needs and select the health insurance plan that works best for you.  It is a window of time – typically in the fall – when you can sign up for health insurance, review, assess, and modify your existing benefits.

    There are more choices than ever to help you find a plan that will best suit your health needs.  Think of it like planning a trip: you don’t pack a surfboard if you are planning to hike in the mountains.  Likewise, there is a lot to think about when selecting a health plan for the next year.  What does it cost?  Does it include your prescription or preferred doctors?  Understanding health insurance basics and how open enrollment works is essential for making informed choices about your benefits and insurance coverage.

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  • The Benefits of Health Insurance: Why we all need it

    Health insurance may not be the most exciting thing to shop for but it’s one of the most important things that you can buy for yourself and for your family.  Having health insurance has many benefits.  It protects you and your family from financial loss in the same way that home or car insurance does.  Even if you are in good health, you never know when you might have an accident or get sick.

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  • How To Be an Wise Healthcare Consumer

    With health care costs on the rise, it’s more important than ever to take responsibility for your medical care choices. Asking questions and researching your options are good ways to start taking control of how much you spend on health care. Becoming an educated healthcare consumer is important for making informed decisions about your health and getting the best possible care. Here are some steps you can take to become an educated healthcare consumer:

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