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Most health insurance plans cover emergency treatment, hospital stays and medical exams. If you are injured in an accident, your health insurance plan might not pay for all the incurred medical expenses. Supplemental accident insurance coverage pays cash benefits for illnesses or injuries caused by an accident, including fractures and physical therapy. The coverage is … Continued
On December 14, 2017, the Internal Revenue Service released the 2018 standard mileage rates used to calculate deductible costs of operating vehicles for business purposes. The rate increased by one cent from 53.5 cents in 2017 to 54.5 cents in 2018. Employers who adopt the IRS standard mileage reimbursement rate in their employee handbook or … Continued
Medicare supplement insurance Plan J is one of 12 health plans that seniors on Medicare can purchase to cover expenses not covered by Medicare. Called Medigap, the policies are sold by private insurers and provide various levels of coverage. The plans are labeled A though L. Benefits Some of the benefits covered by Plan J … Continued
On December 22, 2017, the IRS released Notice 2018-06 to extend the due date for employers to furnish 2017 Form 1095-C or 1095-B under the Affordable Care Act’s employer reporting requirement. Employers will have an extra 30 days to prepare and distribute the 2017 form to individuals. The due dates for filing forms with the … Continued
As 2017 comes to a close, it’s time to act on the money sitting in your Flexible Spending/Savings Account (FSA). Unlike a Health Savings Account or HSA, pre-taxed funds contributed to an FSA are lost at the end of the year if an employee doesn’t use them, and an employer doesn’t adopt a carryover policy. … Continued
Think you can’t qualify for life insurance? Think again. You want to protect your loved ones for the future once you’re no longer around to provide for them. We all do. Life insurance gives you that peace of mind that your family will be taken care of after you’re gone. However, you’re also worried that … Continued
The quality of a therapeutic relationship depends on the ability of the healthcare provider to communicate effectively. The term “therapeutic communication” is often used in the field of nursing; however, the process isn’t limited to nursing. Other healthcare professionals, friends and family members of a patient can implement the strategies of communicating in a therapeutic … Continued
The end of the year is upon us and a majority of companies celebrate with an end-of-year/holiday party. Although the trend of holiday parties has diminished in recent years, it’s still a good idea to commemorate the year with an office perk like a fun, festive party. BENEFITS OF A YEAR-END CELEBRATION Holiday staff parties … Continued
On November 29, 2017, the U.S. Department of Labor (DOL) published a Final Rule that delays implementation of new claim rules for disability benefits through April 1, 2018. This 90-day delay is intended to give the DOL, insurers, employers, and other interested parties additional time to review the new rules. The DOL is collecting public … Continued
An annuity and life insurance are insurance products. The primary difference between an annuity and life insurance is when payment is made. Annuities pay a set amount monthly, quarterly or annually to meet future financial needs, usually in retirement. Life insurance pays the value of the policy at the time of your death. Several types … Continued