Regardless of your age, if you are married or have children, the benefits of life insurance are obvious: you want to continue to provide for your loved ones should the unexpected occur. If you’re young, healthy, and single with no dependents, getting life insurance may be the furthest thing from
We love our seniors and want to take care of them. They deserve our respect and appreciation for all they have done for us. The following are some tips to help improve an older person’s quality of life. Encourage Exercise and Physical Activity Walking, dancing, swimming, ping pong – any
Employers offer group benefits to attract talent, retain employees, motivate workers, and increase productivity. Group benefits play an essential role in your employees’ overall compensation. Companies can invest a great deal of time and money in planning and executing a benefits strategy every year. These efforts can be wasted if
A high deductible health plan (HDHP) is a plan with a higher deductible than traditional health insurance. The premiums may be lower, but you have to meet a higher deductible (payout of pocket for more health care costs) before your coverage kicks in. An HDHP is often combined with a
If you don’t place a high priority on disability insurance, you are not alone. Although most people underestimate their chances of disability, the risk is higher than you might think. Approximately one-third of the population will experience a disability before 65, as reported on Kiplinger. Underestimating the odds of needing
Social Security and Medicare are related. Many seniors begin receiving benefits from both at approximately the same time. However, they are two different programs administered by other federal agencies, which provide different benefits to older adults. What Is Social Security? Social Security was created to promote the economic security of
If you are practicing medicine, malpractice insurance is a must. Myths and misunderstandings surrounding professional liability insurance for doctors make the subject more complicated than it is. Here are some common medical malpractice insurance myths, followed by the facts: You Cannot Be Sued for More Than Your Policy Limits This
When people are out boating in the summer, safety can sometimes take a backseat to pleasure. This could be a tragic mistake. In 2020, there were 5,265 boating accidents in the U.S., causing 767 fatalities and 3,191 injuries, as reported by the U.S. Coast Guard (USCG). Enjoy the sun and
Time is valuable, and most employees expect to be compensated for working overtime. Exempt from overtime pay, Salaried employees may want their employers to provide perks for their hard work and long hours. The following are some creative ways to reward your employees for overtime work without breaking the bank.
When shopping for a health insurance plan, it is important to understand the language. Like any specialized subject, health insurance has its own terminology. Learning what the terms mean makes it possible to understand the costs and benefits of any given plan and how it compares to others. You need
