Articles
Annuities, Inflation and Recessions — Oh My!
Annuities are ideal retirement assets. They can be useful in buttressing your retirement portfolio against the twin threats of recession — which is usually accompanied by big declines in stock prices — and inflation, which eats away at the purchasing power of your...
Study: Medicare Advantage Plans Offer More Mental Health Services
The mental health crisis afflicting Americans in the wake of the COVID-19 pandemic is having a disproportionate effect on seniors, but those who are enrolled in Original Medicare may not be getting the same treatment and attention as Medicare Advantage enrollees....
Protecting Your Custom or Classic Car from Theft with New Tech
If you have an extraordinary car, it makes sense to take extraordinary measures to protect it — both by deterring thieves and by actively foiling their attempts at stealing the automobile. That said, most classic and restoration car owners also want to balance...
Policyholders Wary of Smart Devices with Insurance Discounts
A new study has found that a majority of policyholders would not install smart home devices or have a data-sharing device installed on their vehicle just to get a discount on their insurance premiums. New technology can monitor your driving habits in real time — and...
Umbrella Coverage and How to File a Claim
When you are deemed at fault for an accident your liability coverage can protect you. But what if your liability coverage is not enough to cover the cost of damages or litigation? This is where umbrella insurance comes to the fore. If costs associated with an accident...
How to Coax Disengaged Employees to Sign Up for Health Coverage
One of the most difficult aspects of annual open enrollment is reaching workers who are disengaged from the process and never bother signing up for your group health plan and other benefits they could take advantage of. While employers shoot for maximum employee...
Is Health Plan Self-Funding Right for Your Firm?
As group health costs continue climbing and more employees struggle with the cost of premiums and out-of-pocket expenses, some employers are starting to take a second look at self-funded, or partially self-funded plans. These plans give employers more skin in the game...
Proposed Rule Could Turn Independent Contractors into Employees
The Biden administration has proposed a new federal rule that will make it more difficult for employers to classify workers as independent contractors. If the new rule takes effect, companies that use independent contractors will have to reevaluate their relationships...
Training Your Non-English-Speaking Employees in Safety
Language barriers can present real threats to worker safety, particularly in certain industries that employ a larger share of non-native English speakers. Only 57% of U.S. agricultural workers in 2019 were born in this country, including Puerto Rico, according to U.S....
Insurance Investigators Mine Social Media to Ferret Out Fraud
Insurers are increasingly using social media to track down workers who are perpetrating workers' compensation fraud by faking injuries or staying on the dole after they have healed up. Investigators are using Facebook, Instagram, TikTok and other online social media...
The Importance of Professional Liability Insurance for Tax Preparers
You may not think that as a tax preparer you need a great deal of insurance coverage. However, if you make a mistake that costs a client dearly with the IRS, you could be sued. And without proper insurance coverage you could be forced to pay for legal fees and any...
Safe and Sound:
Safety Tips for Heavy Equipment Operation A job site crawling with bulldozers, cranes, scrapers and tractors can sometimes feel like a danger zone. However, with the proper heavy equipment safety guidelines in place, you can reduce risk and ensure your workers head...