Category: Employee Benefits

  • 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?

    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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  • 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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  • Focus on Your Employees’ Financial Well-Being with Safety Nets

    In the wake of the Great Depression and WWII, employers started to add benefits packages.  Healthcare had fallen by the wayside for families working to access the basic necessities of life.  The idea was to support the employee’s personal needs while keeping and attracting the best talents in the workforce. This trend of offering benefits has continued into the 21st century.  In the present era, most employees that join the workforce are Millennials (born between 1981-1996) and Generation Z (born between 1997-2012).  Over half of them have said they want help building a more secure financial future. Over half of them have said they want help building a more secure financial future.

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  • Understanding Employee Assistance Programs

    As much as employers might prefer that employees’ personal affairs do not interfere with their work, the reality is that problems outside of the workplace can and do impact job performance.  Many of these issues go unaddressed due to fear of stigmatization, leading to further declines in employee health and productivity.  Anxiety and stress, financial troubles, substance abuse and other personal problems can also lead to increased absenteeism.  To help combat these issues, many employers offer a workplace benefit called an Employee Assistance Program (EAP) that is designed to help employees address everyday challenges.

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  • Understanding Health Savings Accounts

    Are you the type of person who loves to save money?  You’ll be happy to know that there’s a way to do so with your health care costs.  It starts with medical expense accounts which let you set aside money to pay for certain health products and services.  One type of medical expense account is a Health Savings Account (HSA).

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  • Year-Round Benefits Education Tips

    Employee benefits and open enrollment may be something you only think about a few times a year, and for your employees, it might be even less often. However, with a thoughtful, year-round communications plan, your business can increase employee engagement and smart benefits utilization.

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  • What Is Preventive Care and Why Is It Important?

    Health care is expensive but there is good news: Most insurance plans come with free preventive care and benefits.  There is a lot of confusion around what is and isn’t preventive care – and why it matters.  Here is what you need to know.

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  • Digital Doctors – Virtual Primary Care is the Next Big Thing

    The pandemic gave us more reasons, and more options, to see doctors online.  More and more, people are seeking out telemedicine services versus the traditional brick and mortar physician’s office. This trend includes telemental health services as well. And much like the necessity of remote work proved its potential to employers, telemedicine took hold as a convenient, safe and effective approach to healthcare.

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  • 2023 Employee Benefit Trends

    A hot labor market that has seen scores of employees leave their jobs for new and better opportunities has HR and benefits leaders planning to up the ante when it comes to benefits that sway workers to stay. But at the same time, employers also are aware of soaring costs and inflation concerns and are looking to make sure any benefits investments are worthwhile.

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