Your Inner World

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

Help Your Employees Struggling with Addiction to Get FIT

Today, millions of people struggle with a substance use disorder that can adversely affect every aspect of their lives, including school, community, and work. An employee who suffers from addiction, or has a loved one who is impacted, can unwittingly drive hidden costs and challenges for employers. Lost productivity, absenteeism, injuries, fatalities, theft, and low employee morale are some of the most common issues related to addiction. Some other consequences are increased health care costs, human resources issues, legal liabilities, and workers’ compensation costs. Your employees are your greatest asset.... Read More

Why Small Businesses Should Consider Level-Funded Health for Their Employees

Recently, insurances companies, like United Healthcare, returned $1.1 billion in premiums to policyholders under the Affordable Care Act. Workers were notified in form letters from insurers this month that a “rebate” had been sent to their employer, who “must follow certain rules in distributing the rebate to you.” But even when employees paid a significant share of the premium, many employers are still deciding how, when or even whether to share the cash. The law gives employers up to three months and considerable discretion to decide how to spend the... Read More

Achieve Password Protection Perfection

Recently, Facebook announced that an internal security review found the passwords of hundreds of millions of users had been stored on company servers without encryption, but that no passwords were leaked and the company has found no indication the sensitive data was improperly accessed. The issue was first brought to light by Brian Krebs, a security researcher who detailed the concern over password security in a blog post detailing that Facebook employees built applications that captured the passwords of users and stored them as plain text, meaning a password would... Read More

Protecting Your Business from Natural Disasters

Last month’s bomb cyclone storm was a doozy, coming in fast and furious, shutting down businesses, the airport and schools all over the metro area, sidelining cars, and leaving a bunch of snow in its wake. While snow storms like these can be a logistical nightmare, they also serve as a reminder that natural disasters can wreak on your business – big or small. And, while some places are more likely to experience disasters than others, you’re never completely free from the threat of one occurring. Property that succumbs to... Read More

Spring Training for Your Insurance

Baseball season may be just starting, but the Colorado Rockies have already been on the field – and in full swing – for weeks, using spring training to prepare for the competitive season ahead. Similarly, we can all benefit from a little spring training with our insurance as an opportunity to assess how well we are prepared for the future. Baseball puns are fun and the sport itself serves as a good metaphor for insurance. Actually, baseball is a pretty good metaphor for anything. Both require a team of players... Read More

How Employee Assistance Programs Are Beneficial to Your Business

It’s no surprise that ensuring employees are happy at work is one of the most important jobs for any employer. Happy, fulfilled and engaged employees create positive and productive work environments that allow for everyone to thrive while working together toward a common goal. However, there are times when personal problems may prevent employees from doing their best work. This may lead to a reduction in productivity and focus, and can negatively impact the rest of the team. To properly address this, many employers have recognized the benefits of Employee Assistance... Read More

How Offering Good Benefits Attract Good Employees

As hiring and retaining talented employees becomes increasingly more difficult, human resources professionals are strategically leveraging employee benefits as a recruitment and retention tool. A tighter job market requires that an organization present itself as an employer of choice, a situation that is leading HR to offer benefit options that appeal to a wide range of employee demographics. In fact, employers that are already strategically customizing their benefits packages are creating a positive image of their brand to attract the best and brightest in their industries. With rising health care... Read More

Implementing the Kindness Challenge in the Workplace

We’ve all heard the saying, “a little kindness goes a long way.” And, while its exact origin may be a bit of a mystery, its meaning is clear – we could all use a little kindness. Human interaction is crucial and will help create a positive environment. It’s no secret that showing gratitude with a simple “thank you,” makes us all feel appreciated about our work and encourages us to perform at our very best. In recent years, there’s been a lot of research on kindness in the workplace, signifying the... Read More

Why Purchasing A Cyber Policy Makes Sense for Your Business

Most companies purchase general liability insurance to protect themselves from potential lawsuits or claims resulting from accidents, injuries or negligence. They purchase professional liability insurance to protect themselves against the cost of errors, malpractice or negligence in services provided to their customers. Likewise, many companies are required by states to buy workers’ compensation insurance to ensure they can cover an injured employee’s medical expenses and loss of income. So, why don’t more companies purchase cyber insurance to protect themselves against first- and third-party claims arising from cyber incidents? Alarmingly, 43... Read More