Our Blog
Miss Open Enrollment?
If you are anything like me the holidays are an extremely busy time of year. Family is in town, holiday parties, and you have to fight the crowds for a parking spot at the mall. The last thing on your mind is health insurance. When you finally go...
Relief for Small Employers
An employer cannot offer employees cash to reimburse the purchase of an individual policy, whether or not the employer treats the money as pre-tax or post-tax to the employee. Such arrangements (called “employer payment plans”) are subject to the...
Agent Affiliates
Having specialized in benefits for over 30 years, I have enjoyed the freedom of owning my own business. I work at my own pace, control my financial destiny and have found that there is nothing more motivating than seeing hard-working people thrive....
Health & Wellness
There are some new approaches to wellness that employers are starting to utilize to reduce their spending on health insurance premiums. Some of the new ideas to reduce costs by using a wellness program include: Employers may require that employees...
Avoiding ACA Penalties
How can large employers avoid penalties? January 1, 2015 is fast approaching. Employers with 100+ full time employees are looking for ways to avoid ACA healthcare penalties in a timely and cost-effective manner. Many penalty avoidance plans with...
Retirement Planning
As we near the age of 60, retirement planning becomes a priority. For those of us who have saved between $100,000 and $1,000,000 we must avoid losses in the stock market, while still maximizing the accumulation with little or no risk to losing...
Loan / Lease Gap Coverage