The majority of American adults are overweight or obese, yet studies have found that weight discrimination is increasing. One recent study found it was as prevalent as racial discrimination. The study mentioned above used a subjective measure, individuals’ perceptions of being discriminated against for their weight. But studies using more concrete measures, such as pay...
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Anatomy of an Insurance Policy
An insurance policy is a legal contract between an individual or organization (the insured) and an insurer. Although millions of dollars in claims payments can be at stake, too few insureds bother to read their policy. The following primer will help you understand the parts of a policy and some things to look for. All...
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Personal Injury Claims: Beyond Slip-and-Fall Accidents
Although the legal definition of “personal injury” includes injury to the body, standard liability insurance policies have an entire section devoted to covering personal injury claims. And they don’t include injury to the body. Nearly every business owner realizes the importance of protecting the organization from claims of bodily injury from other parties. But there’s...
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Qualified vs. Non-Qualified Retirement Plans
When considering retirement plans, the many options — not to mention complicated tax rules — leave many employers uncertain about the best plan for their company. One of the basic decisions employers face is whether to offer qualified or non-qualified retirement plans, or some combination of both. Here’s a closer look at the pros and...
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What Is a Flexible Spending Account?
As employers cut back on benefits or require employees to contribute more, establishing a flexible spending account (FSA) gives employees a valuable benefit at little cost to the employer. A flexible spending account (FSA) is a tax-favored program offered by employers that allows their employees to pay for eligible out-of-pocket medical and dependent care expenses...
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How Medicare Works with Your Medical Benefits
Due to longer life spans, higher medical costs and recession-impacted savings, the percentage of Americans staying in the workforce past age 65 is increasing. How does this affect your medical benefit plans? According to U.S. Census Bureau projections, the percentage of Americans age 65 and older will increase by more than 67 percent between 2015...
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Meet Your Insurance Professionals
The only insurance professional you might ever meet face-to-face is your retail insurance agent or broker. But if you have special insurance needs, other insurance professionals are ready to help. Insurance agents: Although many people use the terms interchangeably, insurance brokers and agents have different roles. Agents owe their primary duty to the insurer they...
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Smart Phones and Overtime
A survey of employed email users finds: 22% are expected to respond to work email when they’re not at work. 50% check work email on the weekends. 46% check work email on sick days. 34% check work email while on vacation. Source: Mother Jones In several cases, non-exempt employees have sued their employers for unpaid...
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Qualified vs. Non-Qualified Retirement Plans
When considering retirement plans, the many options — not to mention complicated tax rules — leave many employers uncertain about the best plan for their company. One of the basic decisions employers face is whether to offer qualified or non-qualified retirement plans, or some combination of both. Here’s a closer look at the pros and...
Read more
How Medicare Works with Your Medical Benefits
Due to longer life spans, higher medical costs and recession-impacted savings, the percentage of Americans staying in the workforce past age 65 is increasing. How does this affect your medical benefit plans? According to U.S. Census Bureau projections, the percentage of Americans age 65 and older will increase by more than 67 percent between 2015...
Read more
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