U.S. copyright law protects both published and unpublished original works, including music. Violating another’s copyrights can result in fines from $750 to $150,000 per violation, or each song illegally played. Did you know that U.S. copyright law might consider you a “performer” if you play music, live or recorded, at your place of business? If...
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How Much Does Obesity Cost Your Business?
It’s a fact: your overweight and obese employees cost you more. How much more…and what can you do about it? Consider the following statistics: Reuters estimated obesity costs U.S. businesses a total of $13 billion a year. This includes costs such as additional fuel to transport obese people. The May/June American Journal of Health Promotion...
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What You Need to Know about ERISA
On Sept. 2, 1974, President Gerald Ford signed ERISA, the Employee Retirement Income Security Act. Since then, benefits managers have dreaded running afoul of this huge law. Does ERISA apply to your benefit programs? If so, what do you need to know? ERISA established standards for private sector pension and health benefit plans to increase...
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Why You Should Be Concerned If You Have No Life Insurance or Underinsurance
Solving the U.S. Life Insurance Crisis: Parents consider it extremely important to have life insurance, found the 2013 State Farm Life Insurance survey. But 95 million Americans have no life insurance coverage at all, according to LIMRA. What does this mean for your employees? The lack of life insurance could mean financial ruin for a...
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Test Your Life Insurance Knowledge
How much do you know about life insurance? Take the following quiz to find out: Life insurance is the most com- monly offered employee benefit, after health insurance. True or false? ANSWER: True. According to the Bureau of Labor Statistics, 57 percent of all workers in private industry have access to life insurance benefits. Seventy...
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Group Dental Insurance: A Benefit to Sink Your Teeth Into
At a time when many employers can barely afford medical insurance, why provide group dental insurance? Consider the following: Dental insurance promotes health. Dental health affects much more than an individual’s looks. The American Dental Association reports that studies have linked oral bacteria to heart disease, stroke, diabetes and the birth of pre-term, low-birth-weight babies....
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AD&D Insurance: Pros and Cons
Accidental injuries rank as the fifth leading cause of death in the U.S. Accidental death and dismemberment (AD&D) insurance can give your employees financial assistance when the unexpected happens. AD&D insurance can be a valuable and low-cost addition to your current benefits package. But before offering AD&D coverage, it’s important to understand what AD&D covers...
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Using Surveillance in Workers’ Comp Claims
Surveillance can help employers manage workers’ compensation claims in three ways: by providing evidence for claim investigations, by influencing employee behavior, and by pointing out safety problems. Here’s what employers need to know. Using Video in Workers’Compensation Today’s video surveillance systems cost less and provide better images than ever before. In addition to enhancing security...
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Pet Insurance for Employees?
Do your employees need insurance for their four-legged family members? Many studies have shown the positive benefits of having pets. Your employees would likely agree. If they’re like most Americans, 39 percent have at least one dog and 33 percent have at least one cat. And many Americans consider their pets as family members. Love...
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Employee Benefits for an Aging Workforce
Researchers predict that one-third of the U.S. workforce will be age 50 or older by 2016. (Heidkampe, Mabe & DeGraaf, 2012). By 2050, the U.S. Census Bureau predicts that workers age 65 and older will make up 19 percent of the total U.S. workforce. Mature workers offer companies many advantages: experience, commitment and a strong...
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