Employee Benefits Report – October 2020

Prescription Drug Executive Orders’ Future Unknown

dollar sign made from prescription pills
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

mom holding kid wearing mask
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

open enrollment bookPaper 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
Read on for details.

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.
Read on for details.

Employee Benefits Report – September 2020

Pros and Cons of Employees Working Remotely

employee working from homeWith two-thirds of employees working from home at least part-time, employers are finding there are advantages and disadvantages.
Read on for details.


How the Pandemic Could Shape the Future of Health Care

person with tabletThe 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

person votingThe 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.
Read on for details.

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.
Read on for details.

Life & Health Insurance Advisor – August 2020

Your Options if You Lose Your Employer-Sponsored Health Care Coverage

empty walletEstimates 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

Medicare printed on dollar billState insurance departments are warning citizens to beware of so-called “zero premium” Medicare plans.
Read on for details.

What You Need to Know About Getting Health Insurance for Yourself — and an Employee

two women at workYes, you can get health insurance coverage if you only have one employee (unless that employee is your spouse).
Read on for details.

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

man with hammer and piggy bank
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.
Read on for details.

3 Challenges for Benefit Managers During the Pandemic

man with briefcase and maskProviding benefit portability, helping employees manage their work/life balance and maintain financial stability can help employees during this difficult time.
Read on for details.

Mustering Employer Resources to Combat Mental Health Issues

woman holding her head with maskUnfortunately, 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.
Read on for details.


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.
Read on for details.

Employee Benefits Report – June 2020

Retirement Plans: Cash Flow Problem Solver

eggs in basket
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.
Read on for details.

Benefits and Challenges of Telehealth Begin to Emerge

mom and baby with tabletTelehealth’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.
Read on for details.

States Taking Action to Control Rising Drug Costs

prescription pillsStates are taking action to keep prescription drug costs from rising uncontrolled.
Read on for details.

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

hospital staffWash 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

woman holding credit cardCredit 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

woman with broken legThe 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

message board
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

older coupleDespite its name, Employee Retirement Income Securities Act (ERISA) regulations apply not only to retirement plans, but to all “welfare” plans, including health benefits.
Read on for details.

How to Conduct a COBRA Self Audit

insurance coverage documentTo help avoid an audit, or to be prepared in case an audit is ordered, it’s best to conduct a self audit.
Read on for details.

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.
Read on for details.

Employee Benefits Report – March 2020

States Actively Working to Reform Health Care

2020 tablet
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

person with magnifying glassBackground 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

woman sitting at deskAs 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

broken heartOf 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

girl holding vape penIs vaping safer than cigarettes? Insurance companies don’t think so. Read on for details.

Retirement Financial Planning: How to Set Realistic Goals

life planning timelineAs 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.
Read on for details.


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

man putting money in dr pocketHealth 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

law bookEmployers 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

tax formsNearly 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.

Life & Health Insurance Advisor – November 2019

A Beneficiary’s Guide to Filing a Life Insurance Claim

death certificateA life insurance policy can be a thoughtful way to provide for loved ones after you die. But what happens if you are the beneficiary of someone’s life insurance policy?
Read on for details.

Two Medicare Enrollment Periods for 2020 Benefits

Medicare puzzle pieceHappy with your Medicare benefits? Not interested in making changes for 2020? Great! You don’t have to do a thing.
Read on for details.


The Case for and Against Universal Health Care

hands holding a heartOne of the hot topics of the 2020 presidential election is universal health care– especially among progressive Democrat candidates. 
Read on for details.


The Benefits of Purchasing Life and Disability Insurance Together

Most people easily grasp the importance of having a life insurance plan. Death is inevitable and life insurance can provide a surviving spouse, children and other dependents with the funds to maintain their standard of living.  
Read on for details.