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Category: Employee Benefits

  • Empowering the Next Generation: Making Benefits “Easy” for Young Employees

    Empowering the Next Generation: Making Benefits “Easy” for Young Employees

    Health Insurance today is significantly more complex for young workers than it was just a decade ago.  This complexity is driven in large part by healthcare costs that have outpaced inflation, pushing premiums, copays, and other out-of-pocket expenses to comprise substantial portions of their budgets.  For many younger employees, navigating this landscape is confusing –…

  • Mastering Open Enrollment: A Step-by-Step Guide

    Mastering Open Enrollment: A Step-by-Step Guide

    Open enrollment doesn’t have to be a stressful administrative task. When planned well in advance, it becomes a valuable opportunity to review and enhance your benefits offerings, demonstrating your commitment to your team’s physical, mental, and financial well-being. A well-executed open enrollment can boost employee morale, improve retention, and ensure your workforce is supported. Use…

  • Benefits 101: A Guide to PPO Plans

    Benefits 101: A Guide to PPO Plans

    When navigating the world of health insurance, you will likely encounter the term PPO (Preferred Provider Organization). A PPO plan – whether medical or dental – is about balancing the cost and convenience of care.  With a PPO plan, you get the flexibility to see a wide range of doctors. You’ll save money by staying…

  • Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB)

    Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB)

    Ever found a confusing document in your mailbox after a doctor’s visit, wondering if it’s a bill, especially with an “amount you owe” at the bottom? You’re not alone! That document is most likely an Explanation of Benefits (EOB) from your health insurance company. It’s crucial to remember: an EOB is NOT a bill. Think…

  • Upcoming Changes for Employee Benefits

    Upcoming Changes for Employee Benefits

    Employers will see several changes to their health and welfare benefits due to comprehensive new tax and spending legislation. This includes notable improvements to Health Savings Accounts (HSAs), Dependent Care Flexible Spending Arrangements (DCFSAs), and employer-provided student loan payments, as well as the introduction of some new fringe benefit choices. These updates introduce significant changes…

  • Supporting Your Workforce: The Value of Dependent Care Assistance Programs (DCAPs)

    Supporting Your Workforce: The Value of Dependent Care Assistance Programs (DCAPs)

    Want to attract and keep top talent? Your benefits package is crucial! Think beyond just health and retirement. Fringe benefits like Dependent Care Assistance Programs (DCAPs) offer real, meaningful support, especially for employees caring for kids or dependent adults. What is A DCAP? A DCAP – also known as a dependent care flexible spending account…

  • Breaking Down Your Benefits: Understanding Key Terms

    Breaking Down Your Benefits: Understanding Key Terms

    Selecting the right health insurance plans for your family is a critical process that requires careful attention from start to finish. Navigating health insurance becomes much simpler when you understand its terminology. Making sense of these terms empowers you to better understand your costs, benefits, and even estimate the price of a doctor’s visit. Premium:…

  • Benefits 101: What Is Cancer Insurance?

    Benefits 101: What Is Cancer Insurance?

    The word “cancer” carries a weight that extends far beyond its medical implications. Beyond the physical and emotional toll, a cancer diagnosis can bring significant financial strain. While your primary health insurance will cover many treatment costs, there are often substantial out-of-pocket expenses that can quickly add up. This is where cancer insurance comes in.…

  • Disability Insurance Explained: Short-Term Disability

    Disability Insurance Explained: Short-Term Disability

    Life sometimes throws you a curveball. You might sprain an ankle playing soccer, need surgery, or experience a difficult pregnancy. These situations can temporarily prevent you from working and earning an income. That’s where short-term disability insurance comes in. It acts as a financial safety net, providing income replacement while you recover and get back…

  • Voluntary Benefits: The Missing Piece of Your Compensation Puzzle

    Voluntary Benefits: The Missing Piece of Your Compensation Puzzle

    The Rise of Voluntary Benefits As healthcare costs increase, so does the demand for voluntary benefits. These optional benefits allow employees to select and pay for additional perks to meet their individual needs, especially in today’s diverse workforce. They’re also a valuable supplement to health insurance, particularly as healthcare expenses rise and affordability becomes a…