What to do First When a Worker is Injured

What to Do First When A Worker is Injured

When one of your employees is injured, it sets in motion a sequence of events that can last for weeks or even months. But no matter how prolonged the recovery period, the first 24 hours after an injury are the most crucial. To respond effectively to an incident, the majority of the action items should occur within 24 hours.It is essential that both you and your staff know what to do first when a worker is injured. Your supervisors may already be experienced in handling injuries. Still, a clearly defined... Read More

What You Need to Know About the ABCD’s of Medicare Benefits

What You Need to Know About the ABCD's of Medicare

Medicare is the government medical program for seniors. Medicare was instituted in 1965 to ensure that older Americans would have access to the health they needed in their retirement years. You will become eligible for Medicare at 65 and may enroll for Medicare Benefits three months prior to the month of your 65th birthday, during the month of your 65th birthday, and three months after your 65th birthday. Medicare has four parts: A, B, C, D Part A is given to you by the government and covers 80% of your... Read More

Protect Your Business with Employment Practices Liability Insurance

Protect Your Business with Employment Practices Liability Insurance

According to a recent study, more than half of all claims filed for employment-related liabilities are against employers with fewer than 50 employees. Alarmingly, the study also reveals that not even 2 percent of small businesses have employment practices liability insurance (EPLI) coverage. Employment Claims Can Be Costly Employment-related claims can be extremely costly, especially in cases that drag on for years. With a slow economy and increasing adoption of worker-friendly laws, these cases are on the rise—in fact, discrimination claims have increased significantly in the last 20 years. According... Read More

‘Tis the Season to Be Thankful–Expressing Gratitude to Your Customers

'Tis the Season to Be Thankful--Expressing Gratitude to Your Customers

This week is Thanksgiving. Thanksgiving was the first American holiday. Though it’s also celebrated in Canada, it’s pretty uniquely American.  We all know the story of the Indians and the Pilgrims and the first Thanksgiving and how it was an expression of gratitude for surviving that very difficult first year. Thanksgiving is the time when we traditionally focus on gratitude for all the good things in our lives. When you’re in business, you surely count your customers among those good things. Have you taken the time lately to let them... Read More

What Happens If I Miss Open Enrollment?

What Happens If I Miss Open Enrollment

It’s open enrollment time for health insurance and other employee benefits.Open enrollment is the time when you can enroll for the first time in your employer’s health insurance plan, change insurance coverages, and add or remove dependents. This is your opportunity to take advantage of important benefits, such as health, vision, dental and life insurance, a health savings account (HSA), and a retirement plan. If you miss your employer’s open enrollment deadline you could lose coverage for you and your loved ones and  be unable to make changes or enroll... Read More

HSA & FSA Contributions Will Increase in 2018

HSA & FSA Contributions Will Increase in 2018

Many employee benefits are subject to annual dollar limits that are periodically increased for inflation. The Internal Revenue Service (IRS) recently announced cost-of-living adjustments to the annual dollar limits for various welfare and retirement plan limits for 2018. Although some of the limits will remain the same, many of the limits will increase for 2018. The annual limits for the following commonly offered employee benefits will increase for 2018: High deductible health plans (HDHPs) and health savings accounts (HSAs); Health flexible spending accounts (FSAs); Transportation fringe benefit plans; and 401(k)... Read More

How to Prepare for Your Cyber Liability Insurance Policy

How to Prepare for Your Cyber Liability Insurance Policy

Do you have cyber liability insurance for your business? If you use computers and mobile devices in your business, especially if you store critical company information or personal identifying information or financial information about clients and employees, you need cyber liability coverage. Every insurance policy starts with an application, and cyber liability insurance is no different. While the underwriting process in long-established insurance lines is streamlined, this is not the case for cyber liability insurance. Currently, application forms for cyber insurance are not standard and can be complex—often consisting of... Read More

Considering a Self-Funded Healthplan for Your Company? Here’s What You Need to Know

self-funded v. fully insured healthplans

Are you looking at different options for your company health benefits? Do you want something other than a traditional fully-insured health insurance plan? All group medical benefit plans fall into one of two categories: self-funded or fully insured. The choice of one over the other should not be made arbitrarily. Each type carries its own set of administrative rules and legal constraints.   What is Self-funding? Under a fully-insured health benefit plan, an insurance company assumes the financial and legal risk of loss in exchange for a fixed premium paid... Read More

How to Address and Prevent Workplace Bullying

How to Address and Prevent Workplace Bullying

Four times more common than sexual harassment or racial discrimination in the workplace, bullying should be taken seriously. While it’s non-physical, bullying can cause serious emotional harm. October is National Bullying Prevention Month. Bullying isn’t just something that happens in playgrounds and schoolyards. Adults are every bit as capable of bullying, and perhaps to an even more severe degree, than are children. Adults are also as capable as children to prevent workplace bullying and have a legal and moral responsibility to do so.   What is Workplace Bullying? Generally, workplace... Read More

Are You Prepared for a Fire Emergency?

are you prepared for a fire emergency

Fires are the leading cause of home injuries and death. Most of us have seen the tremendous power of fires, including the devastating fires in California this week. October 8-14 is National Fire Prevention week and their theme this year is “Every Second Counts,” focusing on the need to have an emergency plan in the event of a fire, either at home or in the work place. Do you have a fire safety plan in place for your home and your workplace?   Prevent Fires The best way to practice... Read More