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Let’s be realistic. If you have an adequate investment and pension portfolio; if you have made provisions for your health care costs; if you have no one relying on you for financial support, maybe, just maybe you can afford to retire. Did you know that a healthy 65-year-old man has a life expectancy of 87 … Continued
Insurance has become the method by which most Americans have their health-care costs paid. By paying a regular monthly bill for health insurance, the cost of expected health care events is spread out into even payments and the cost of major unexpected medical incidents is absorbed by insurance. Lack of health insurance can have a … Continued
Adding a spouse to your existing health insurance policy can become necessary after marriage, job loss, or change of employment. Typically, changes to a policy may be made only once a year during a period typically known as “open enrollment.” According to the National Association of Insurance Commissioners, changes may be made at any point … Continued
The U.S. Department of Labor has issued compliance guidance for benefit plans, employers and employees, and service providers who are impacted by Hurricane Harvey. The guidance generally provides relief from various ERISA requirements and time limits for entities in the disaster area. This follows the Internal Revenue Service (IRS) announcement extending certain filing dates, including … Continued
First, the basics. If you still owe someone, or love someone, yes, you need life insurance. Now, let’s dig a little deeper and look at the other reasons you may still need life insurance after 65. 1. You’re still the “Bank of You.” 63% of parents over 55 are still supporting their children and or … Continued
Insurance is designed to offset major expenses in various life areas. For example, a homeowner’s policy covers damage to your house, while car insurance pays for repairs after an auto accident. Medical policies do not cover dental work, but you can get dedicated dental insurance. Dental policies vary, and many limit or exclude coverage for … Continued
It’s not surprising that 2017 stands to be the year many will have an experience to share using a Telemedicine or a Virtual Doctor service. With current market trends, government regulations, and changing economic demands, it’s fast becoming a more popular alternative to traditional healthcare visits. And, as healthcare costs continue to rise and there … Continued
Being catapulted into the adult world is a shock to the system, regardless of how prepared you think you are. And these days, it’s more complicated than ever, with internet access and mobile devices being must-have utilities and navigating tax forms when they aren’t as “EZ” as they used to be. Maybe you’re still living … Continued
Question: We are considering becoming a dog-friendly office. Are there drawbacks we should consider when allowing employees to bring their dogs in to work? What are the best practices we should follow? Answer: There are many legal and other issues to consider before implementing a dog-friendly office. For instance, employers in the food processing or … Continued
With the official start of summer just around the corner, many companies are planning company picnics, barbecues, and outings to celebrate the season. The good news is that these events are a great opportunity to thank employees for hard work and to encourage them to mingle outside of the normal work setting. The less fun … Continued