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Understanding Cancer Insurance: What It Is and How It Works


The word “cancer” carries a weight that extends far beyond its medical implications. Beyond the physical and emotional toll, a cancer diagnosis can bring significant financial strain. While your primary health insurance will cover many treatment costs, there are often substantial out-of-pocket expenses that can quickly add up. This is where cancer insurance comes in. But what exactly is it, and how does it work?

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Tags: Blog, custom content for benefit agencies, Employee Benefits, Voluntary Benefits

Form 5500: Compliance Essentials & Deadlines


If your company provides an employee benefit plan governed by the Employee Retirement Income Security Act (ERISA), you are likely obligated to file Form 5500. This annual report discloses key details about your organization’s benefit offerings, such as welfare benefit plans (including medical, dental, life, and disability coverage), retirement plans, fully insured plans, and self-funded plans. In this article, we break down the fundamentals of Form 5500—who must file, important deadlines, and the consequences of failing to comply.

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Tags: Blog, custom content for benefit agencies

The Cost of Silence: Why Mental Health Benefits are a Workplace Necessity


Every year, millions of people experience mental health challenges with limited access to care. According to the World Health Organization, 1 in 8 people globally are affected. Conditions like anxiety and depression significantly reduce productivity, costing the global economy around $1 trillion annually. Despite the rising demand for support, more than two-thirds of those who need mental health care don’t receive it.

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Tags: Blog, Custom Content, custom content for benefit agencies, Employee Benefits

What Happens When You Can’t Work? Exploring Long-Term Disability Insurance


Your most valuable asset isn’t your house, car or retirement account.  It’s the ability to make a living. Long-term disability insurance (LTD) provides financial protection by replacing a portion of your income—typically 50% to 70%—if you become unable to work due to a prolonged illness, injury, or accident.  This benefit is paid directly to you and you determine how best to use this income replacement. It serves as a critical safety net for sustaining essential expenses like housing, medical bills, and daily living costs during extended recovery periods.

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Tags: Blog, custom content for benefit agencies

Make the Most of Your Benefits: Exploring Voluntary Choices


The Rise of Voluntary Benefits

As healthcare costs increase, so does the demand for voluntary benefits. These optional benefits allow employees to select and pay for additional perks to meet their individual needs, especially in today’s diverse workforce. They’re also a valuable supplement to health insurance, particularly as healthcare expenses rise and affordability becomes a challenge.
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Tags: Blog, Custom Content, custom content for benefit agencies, Employee Benefits

Your Guide to Short-Term Disability


Life sometimes throws you a curveball. You might sprain an ankle playing soccer, need surgery, or experience a difficult pregnancy. These situations can temporarily prevent you from working and earning an income. That’s where short-term disability insurance comes in. It acts as a financial safety net, providing income replacement while you recover and get back on your feet.

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Tags: Blog, custom content for benefit agencies, Employee Benefits, Employee Benefits

Unlock Better Health: The Surprising Power of Good Oral Hygiene


Did you know that your oral health can have a significant impact on your overall health? It’s true! Your mouth offers clues about your general well-being. Good dental hygiene can help improve your overall health. As a bonus, maintaining good oral health can even REDUCE your healthcare costs!

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Tags: Blog, Custom Content, custom content for benefit agencies, dental health, health, oral health

The Hidden Cost of Financial Stress: How Employers Can Build a Healthier, More Productive Workforce


Financial stress is a silent epidemic plaguing workplaces everywhere. It impacts employees at all levels, leading to decreased productivity, lower morale, and increased absenteeism. But there’s good news: employers hold the key to building a financially healthy workforce.

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Tags: Blog, custom content for benefit agencies, health

Keeping Employees Engaged: The Importance of Year-Round Benefits Communication


Most organizations treat employee benefits like a seasonal event. Open enrollment brings a flurry of activity – emails, seminars, and even benefits fairs. However, communication often dwindles after this initial push, leaving employees confused and underutilizing their valuable benefits.

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Tags: Blog, custom content for benefit agencies, Employee Benefits

Start Today: Building a Heart-Healthy Lifestyle


February is American Heart Month, a time to raise awareness about cardiovascular health and how to keep your heart in top condition. Are you taking steps to protect your heart? You can actively reduce your risk for heart disease by adopting a healthy diet, staying physically active, and managing your cholesterol and blood pressure.

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Tags: Blog, Custom Content, custom content for benefit agencies, health