HR Insights

Insurance Spotlight: Employee Disability Insurance

Disability insurance provides coverage in the event that an employee is disabled and cannot work. Unlike workers’ compensation insurance — which provides benefits like partial wage replacement if employees get hurt on the clock — disability insurance replaces a portion of employee income when they can’t work because of an illness or disability. Disability insurance will not replace all of an employee’s income but provides wage replacement benefits that cover, on average, up to 60% of employee earnings. Those payments usually go up to a cap, or a maximum monthly... Read More

Spotlight on Insurance: Worker’s Comp 101

Workers’ compensation insurance is a mandatory policy that protects your employees in the event of job-related illnesses or injuries. In our freshest blog post, we’ll give you the 411 on the value of worker’s compensation insurance to help your business thrive. Here’s the scoop: Workers’ Compensation 101 Every employer needs to ensure that the workplace is safe for all employees. However, accidents happen. Compensation insurance provides financial benefits for employees who experience job-related injuries or illness to reimburse medical expenses and lost wages. The policy is no-fault, so it will... Read More

Employee Attraction and Retention Strategies for the Millennial Generation

Finding and retaining talented employees alone can be a continual challenge for small business owners, however, it can be particularly challenging to attract millennial employees. According to a 2018 Pew Research Center report analyzing U.S. Census data, the millennial generation includes 56 million Americans who make up 35 percent of the nation’s workforce, It is projected that the number of millennials in the workforce will only continue to increase, with some estimates projecting they’ll make up 75 percent of the workforce by 2028. It’s no secret that millennials are the... Read More

2019’s Best Work Perks

Looking to attract and retain today’s top talent? We’ve compiled a list of today’s best benefits and work perks that are attracting the best and brightest. How does your company compare? Work perks that promote financial wellness There is data that shows employees have experienced significant decreases in the purchasing power of their paychecks over the past decade, which is largely due to rapidly rising health care costs. Regardless of the reason, wages just aren’t keeping up with inflation. As a result, many employees find themselves in distressingly tight financial... Read More

The Added Benefits of Your Benefits

We all know the value of having good health insurance benefits. However, many people neglect to realize that their ‘benefits’ extend way past just coverage for preventative care or major medical and dental expenses, with a lot of people not taking advantage of everything their plan offers. It’s not just about paying the bulk of your doctor visit and lab test bills; your plan can actually help you save money while getting or staying healthy. Call your health insurer or check their website to see if your health plan offers... Read More

Summer Vacation Safety 101

It’s summertime, and for many, the time to enjoy a well-deserved vacation. And, while you’ve planned everything from getting the best deals on airfare, booked your hotel and packed your suitcases, are you properly prepared when it comes to your safety? We’ve got you covered with 10 safety tips to keep you safe and secure wherever your travels bring you!  Know before you go with thorough research. Don’t be ignorant about where you are going. Make an effort to learn about the country, the political situation, the cultural norms, the safest... Read More

Understanding Mental Illness in the Workplace

Many Americans suffer from mental illness – and this includes many of the employees at your company. In fact, nearly 43.8 million Americans deal with mental illness each year. Because mental illness is so prevalent, it’s imperative that all employers understand the rights of workers dealing with mental health issues. ADA Protections According to the U.S. Equal Employment Opportunity Commission, employees struggling with mental illness are granted rights under the Americans with Disabilities Act (ADA). These rights include the following: Workers cannot be harassed or discriminated against due to mental... Read More

Small Business Planning

Small business insurance planning for both start-ups and existing small businesses is a must. Once you’ve gone into business, protecting that business is essential. Insuring your small business is a must to protect the assets of both the business and the owner and to provide protection against a variety of risks. Two major areas of coverage needed are property and liability.  Both of these types of coverage and more are available as separate policies or combined in a business owner’s policy. General liability insurance protects the business against a lawsuit... Read More

Are Mental Health Treatments Covered by Health Insurance?

According to State of Mental Health in America 2018’s report, more than 40 million Americans have a mental health condition. That’s why getting help when you have a mental health condition is really important, however, many people don’t know that they may have coverage for mental health treatment on their current health insurance plan. Although not all health plans are required to offer coverage for mental health treatment and services, many employer group insurance health plans do offer the coverage since health care reform. It is important to understand what... Read More