Your Top 10 Ways to Save For Retirement Now

Your Top 10 Ways to Save For Retirement Now

No matter what age you are, if you haven’t already started saving for your retirement years, now is the time to start. If you’re young, you have the savings advantage of time. Saving for retirement may seem like a strain on your budget right now, but you can start small and grow. Even setting aside a small portion of your paycheck each month will pay off in big dollars later. By starting young, you also can afford to invest more aggressively since you have years to overcome the inevitable ups... Read More

How to Promote Life Insurance for Millennials

How to Promote Life Insurance for Millennials

Benefits packages are an important tool in recruiting and retaining employees. While health, vision and dental benefits are well at the top of the list, life insurance with its promise of financial security for loved ones, is one of the most popular benefit options. As more members of the millennial generation are entering the workforce, however, some are questioning the need for life insurance. A recent survey conducted by the Life Insurance and Market Research Association (LIMRA) shows that only two-thirds of the millennial generation, have any kind of life... Read More

What You Need to Know About Credit Reports

What You Need to Know About Credit Reports

Have you ever applied for a credit card? How about a car loan, a mortgage or a personal loan? If you have then you have provided personal and financial information that is used to create a file about you called a credit report. Credit reports include information about where you live, where you work, whether you have ever been sued, arrested, or filed for bankruptcy. They also include information about how you pay your bills and a history of money you have borrowed and whether you have repaid it. This... Read More

Group-Term Life Insurance: A Benefit for Everyone

Group-Term Life Insurance A Benefit for Everyone

Employee benefits are one of the keys to attracting and retaining great employees. Health care is always at the top of the benefits list, but after medical, dental and vision care plans, life insurance is one of the most requested employee benefits. Offering your employees group-term life insurance is not only helps your employees save money on an important insurance coverage while protecting their families, it is also a benefit you can offer at low cost to the company.   The Basics Group-term life insurance is coverage that employers offer... Read More

5 Bonus Benefits of Workplace Wellness Programs

5 Bonus Benefits of a Workplace Wellness Program

Workplace wellness programs have become increasingly popular in recent years. It is well known that workplace wellness programs can help lower workers’ compensation costs. But there are also other benefits of these programs that can benefit both employees and employers. Great workplace wellness programs include more than just safety initiatives. Not only can these programs help reduce work-related injuries and possibly lower work comp costs, but a well-executed program can also help increase employee morale, lead to better health, and improve quality of life—both at work and away—for all participants.... Read More

6 Most Overlooked Tax Deductions for Small Business

6 Most Overlooked Tax Deductions for Small Business

It’s tax time, and one thing is certain. We all want to pay as little as possible in taxes and maximize our tax deductions. Most business owners are familiar with all of the standard business deductions, but there are a few deductions that are often missed. Before filing your tax returns this year, make sure you and your accountant have not missed any of these most overlooked tax deductions if you are eligible for any of them.   Social Security Taxes If you’re self-employed, you are required to pay the... Read More

Workers’ Compensation in Colorado: What You Need to Know

Workers' Compensation in Colorado What You Need to Know

Workers’ Compensation insurance is an insurance system that provides medical benefits and monetary compensation to assist employees who become injured or ill as a result of their jobs. The Workers’ Compensation Act of Colorado (WCAC) defines employer responsibilities for the state’s workers’ compensation program. Compliance with this act is monitored by the Division of Workers’ Compensation (DWC), part of the Colorado Department of Labor and Employment. One of the purposes of the workers’ compensation system is to reduce the risk of litigation when work-related injuries and illnesses result in employee... Read More

Workplace Safety Needs to Address More than Accidents

Workplace Safety Needs to Address More than Accidents

Workplace injuries are a significant risk for any business. They can lead to lost productivity, costly medical bills and increased insurance premiums. While most businesses have protocols and programs in place to help reduce workplace accidents, but there is another type of workplace injury that may be just as costly as accidents, if not addressed. Work-related musculoskeletal disorders (WMSDs) are not injuries caused by accidents, but instead from job conditions or activities that lead to or contribute to these conditions. Workplace safety programs need to address more than accidents and... Read More

New Standards Announced for Employing Unpaid Interns

New Standards Announced for Employing Unpaid Interns

The payment of interns has been a much-debated and often-confusing topic recently. The standards for determining whether internships needed to be paid or unpaid have undergone some major changes over the last several years, and have left many employers—and interns—confused about employing unpaid interns. To clarify the situation, the U.S. Department of Labor (DOL) announced on January 5, 2018, that it would adopt a new standard for determining whether interns and students are “employees” who must be paid under the Fair Labor Standards Act (FLSA). The DOL clarified that, going... Read More

How to Protect Your Business Against a Flu Epidemic

How to Protect Your Business Against a Flu Epidemic

2018 marks the 100th anniversary of the great Spanish Flu pandemic of 1918, which is believed to have caused the deaths of more than 50 million people. A pandemic is a global outbreak of a disease, such as influenza. According to the World Health Organization (WHO), past influenza pandemics have led to high levels of illness, death, social disruption and economic loss. The 2009 H1N1 influenza pandemic, which affected 213 different countries and has led to over 18,000 confirmed deaths, is just a small example of the potential impact of... Read More