Your Source for Understanding Personal, Business, Life, Health, Group Benefits, and Medicare Insurance.

Group Benefits

Dentist and patient

Do I Need To Offer My Employees Dental & Vision Plans?

Under the Affordable Care Act (ACA), employers with 50 or more full-time employees must provide health insurance or pay a hefty penalty to the IRS. Smaller companies that are not required to provide health insurance to their employees can benefit from the Small Employer Health Care Tax Credit under ACA,

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401(k) savings

What Happens To My 401(k) After My Death?

For many Americans, a 401(k) is the foundation of their retirement planning. The goal is to set aside sufficient tax-deferred dollars (ideally, with matching employer contributions) to see you through from the date of retirement to the date of your death. But what happens if you die before you have

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Small business meeting

How Big Should My Business Be To Offer Group Benefits?

If you want to source and retain top talent, an attractive employee group benefits package is a valuable asset. Even with a startup or a small company, it works to your advantage to offer as many group benefits as you can, as soon as you can. Start offering group benefits

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Investment growing

How Early Should I Start Investing In My 401(k)?

The sooner you start putting money into a 401(k), the better. If you are in your 20s or 30s, retirement may be low on your list of financial priorities. But if you start investing in your 401(k) now, your savings could grow tax-free for the next 30 to 40 years.

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Woman with hurt leg

Short-Term Disability Coverage Vs. Long-Term Disability Coverage

Short-term disability and long-term disability are both designed to protect your income in case you are unable to work. However, there are differences in the two types of coverage. Many people elect to have both short-term disability and long-term disability insurance policies. What Is Short-Term Disability Insurance? Short-term disability (STD)

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Patient is a hospital bed

Should I Offer My Employees Critical Illness Insurance?

Critical illness insurance is designed to compensate policyholders in a lump payment if they are diagnosed with a range of illnesses as listed in the policy. These policies can also be structured to make a series of payments based on the policyholder’s condition and ongoing medical treatments. Also known as

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