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If you manage your company’s insurance program, you know that policies are more than just a stack of documents. They represent a system for managing risk and making claims more affordable. Insurers pool their insureds' premiums. They set aside funds to pay covered...

The Bureau of Labor Statistics reports that 2020 hourly earnings were up 7.5% for the year ending in April 2020. Employers are willing to pay workers more these days, a sign that hiring is getting increasingly competitive.  What's one of the best ways to attract...

Healthcare costs are one of the biggest financial headaches for most companies in the United States. The U.S. pays more in healthcare than any other developed nation (by about double!) and doesn't even produce the best health outcomes. So, how can we reduce healthcare...

Did you know 78% of employees would likely remain with their employer because of their benefits? Health benefits are becoming more a reason for people to stay at their job because it’s expensive to pay for them if they’re not included. Companies are looking for ways...

Employees seek employers they can work for on a long-term basis if the benefits meet their needs. Workers desire more than just money to stick around. One important benefit businesses should include is a group health plan. What is a group health plan and what will it...

Are you an employer looking to find the perfect healthcare plan for your company? It might seem challenging to figure out, but all you need is useful information. Even if you found some options on your local government website, it might not be up to date or provide...

As a self-insured company, stop loss insurance reinforces your commitment to pay your own claims. Choosing to self-insure your company's loss exposures isn't an easy decision. It usually comes after a diligent annual risk management review. Each year you identify your...

Being a business owner can be overwhelming. You have an endless list of responsibilities, including choosing a group health insurance plan. To help make the process easier, do your research in order to understand what you’re looking for, and get the right plan. Keep...

When your employee makes a decision about insurance benefits, it’s usually based on a perceived need and coverage availability. Employees might not understand the need for critical illness insurance the way they understand the need for health and life insurance....

A flexible health insurance program helps you attract and retain employees. Now, more than ever, health care technology is an essential key to meeting employee expectations. Technology is an integral part of practically every business task. Employees expect comparable...

Businesses have had access to Cafeteria Plans since Congress passed “The Revenue Act of 1978.” The plans have clear advantages, but they also create paperwork, tax-compliance problems, and administrative issues. A Section 125 Administrator provides consultation...

Telemedicine is a healthcare access alternative that helps patients maintain a connection with medical professionals. It’s a virtual solution facilitated by video technology. Patients ask questions and describe their symptoms. Medical professionals consult, advise,...

Health insurance is one of the most important benefits you can offer. It helps attract new employees and retain existing workers. It supports your employees' physical and financial wellbeing. When you’re in charge of implementing your company’s insurance plan, a...

When your company applies for, renews, or restructures its commercial insurance program, you open up your business to a somewhat invasive process. With commercial insurance, that overwhelming sense of baring your soul is hard to escape. You’ll have a kinder, gentler...

Risk Management Goals Today When you're responsible for updating your company’s risk management goals, you realize that insurance isn’t always the default answer. Of course, insurance is still one of the most efficient tools for handling risk. To remain effective and...

Insurance Options One of the major goals of a quality employee benefits program is to provide resources, namely insurance options in the case, that employees can and will use. Employee group life insurance has always helped employers meet that goal. It allows you to...

In some cases, you might end up being responsible for insuring contractors or workers who should have their own insurance.

In some cases, you might end up being responsible for insuring contractors or workers who should have their own insurance.

If your employee claims an on-the-job injury but you don’t believe their story, you must report the claim anyway and let your workers’ compensation insurance company decide what to do.

If your employee claims an on-the-job injury but you don’t believe their story, you must report the claim anyway and let your workers’ compensation insurance company decide what to do.

The Connecticut Health Marketplace is still going strong. With all the talk and legislative furor, you might have expected the ACA and the Connecticut Health Marketplace to implode by now. With a few exceptions, the system is unchanged and still going strong. Access...