While both life and long-term disability insurance provide income protection, they are two distinct policy types triggered by different life circumstances. Basically, long-term disability insurance pays a percentage of your former salary if you fall seriously ill or face a condition that prevents you from...
Several lawmakers have introduced the Middle Class Health Benefits Tax Repeal Act (H.R. 748) to repeal the Affordable Care Act’s “Cadillac tax.” The legislation, introduced by Rep. Joe Courtney (D-Ct.) and Mike Kelly (R-Pa.), would repeal the 40 percent excise tax that will eventually impact...
Now that you’re back at the office, do you feel overwhelmed by projects that stacked up during the holidays? Here’s some advice provided by Hristina Byrnes in her recent article posted on MSN.com on how to get back to the grindstone: Pace yourself by taking...
Prior to implementation of the Affordable Care Act (ACA) in 2010, adult children could be removed from their parents’ group health insurance plans upon reaching majority. Today, large group health plans are required to offer coverage to adult children until they reach the age of...
Sometimes called supplemental insurance or employee-paid benefits, voluntary benefits are products that employees may choose to add to their existing insurance plans. They are offered through the workplace, but can be paid entirely or partially by employees through payroll deferral. Contrary to popular belief, you don’t...
According to the Centers for Disease Control and Prevention, suicide is a leading cause of death in the U.S., with suicide rates rising nearly 30 percent since 1999. Mental health conditions are often perceived as the cause of suicide, but it is rarely caused by...
On June 21, 2018, the Department of Labor (DOL) released its final rule easing restrictions for employers who wish to provide health benefits to their employees by joining or establishing Association Health Plans, or AHPs.1 AHPs are comprised of employers, who come together in groups...
Are you concerned about your health or the health of a loved one? Early detection and treatment of diabetes can decrease the risk of developing serious health conditions. Here’s what you need to know about the causes, symptoms and prevention of diabetes. Diabetes Basics When you eat,...
If the cost of LASIK surgery or hearing aids has prevented you from improving your quality of life, there’s great news for members of Medical Eye Services (MESVision) and Davis Vision! MESVision and Davis Vision have announced deep discounts for Lasik eye surgery and/or hearing...
Many women who undergo a mastectomy are not aware that their HMO or group health insurance plan will cover reconstructive surgery, a procedure which is often referred to as plastic surgery. The Women’s Health and Cancer Rights Act (WHCRA) helps protect women with breast cancer who...