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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 … Continued
DOL Updates Model Employer CHIP Notice The U.S. Department of Labor (DOL) has released a new model Employer Children’s Health Insurance Program (CHIP) Notice with information current as of March 17, 2025. As a reminder, the Children’s Health Insurance Program Reauthorization Act of 2009 (CHIPRA) imposes an annual notice requirement on employers that maintain group … Continued
In an era defined by rapid technological advancement, the nature of leadership is evolving at an unprecedented pace. As artificial intelligence, remote work, and digital communication tools become increasingly integrated into our professional lives, the role of human connection in leadership has never been more crucial. The future of leadership will hinge on the ability … Continued
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 … Continued
Voluntary benefits are optional benefits that employers may offer to enhance their traditional benefits packages. Offering voluntary benefits allows an employer to include a variety of benefits that are attractive to employees in their benefits package without adding to their organization’s costs. While voluntary benefits are typically employee-paid, payments can be automatically deducted from employees’ … Continued
The generations at work – Gen Z, Millennials, Gen X, and Baby Boomers – continue to fascinate business leaders and especially those in HR, who are charged with talent management. Trying to understand each generation’s attitudes, habits, and history is important. While each person is unique, these shared generational experiences can help people better orchestrate teams and get the most out of … Continued
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 … Continued
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! Your Mouth: A Window to Your Health … Continued
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. Stress and Financial Well-Being Cultivating your employees’ financial well-being is a necessity in creating a productive and … Continued
ERISA Fiduciary Breach Claims Dismissed in Prescription Drug Lawsuit On Jan. 24, 2025, a U.S. District Court for the District of New Jersey dismissed two claims in a class-action lawsuit filed against Johnson & Johnson (J&J), which alleged that the company breached its fiduciary duties under ERISA by mismanaging its prescription drug benefits plan and … Continued