More than one-third of adults surveyed for the Surgeon General’s study on oral health (2000) had not visited a dentist in the past 12 months. Laurence R. Weissbrot, FSA, MAAA, director of actuarial and underwriting at Northeast Delta Dental in Concord, N.H., says that “75 percent or more of the people who have dental coverage...
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Disability Insurance = Income Insurance
Most Americans insure their homes and their cars. Yet fewer have insurance on their most valuable asset—their ability to earn a living. According to the Bureau of Labor Statistics, only 49 percent of American workers have access to disability insurance through their employer. A survey by America’s Health Insurance Plans found that more than 80...
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How to Protect Your Employees from the Most Common Property Crime
An estimated 17.6 million persons, or about 7 percent of U.S. residents age 16 or older, were victims of at least one incident of identity theft in 2014, the Bureau of Justice Statistics (BJS) announced recently. That makes identity theft the most common property crime. Identity theft is the attempted or successful misuse of an...
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Avoid Nondiscrimination Nightmares by Increasing Retirement Plan Participation
You might have the best retirement plan available, but if employees aren’t participating, what’s it worth? The following plan changes could make your plan more attractive to all employees. Nondiscrimination rules prohibit top-heavy plans, or plans that involve too many high-income earners and not enough low income earners. It’s usually easier for high-income employees to...
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Mental Health Benefits: Heal the Mind, Heal the Body
More than one in five American adults lives with a diagnosable, treatable mental health condition but can live full and productive lives. A properly structured benefit program can support the very real link between mental health and overall wellness. Employers that offer health benefits typically include some level of mental health care in their benefits...
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Help Your Employees Avoid Identity Theft
A vendor survey found that 39 percent of employees want to buy identity theft insurance through their employer. Are you providing this valuable benefit? Identity theft occurs when someone uses another person’s personal identifying information without authorization to open charge accounts, order merchandise or borrow money. Victims of identity fraud lose money, their reputation and...
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7 Steps To Filing Your Insurance Claim
We hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Notify Authorities Your first priority is always to prevent further injury and to protect life and health. If...
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Keys to a Smooth Open Enrollment
Open enrollment can overwhelm even the most seasoned benefits manager. But the time when employees can make changes to their benefits plans doesn’t have to be a time of stress. Open enrollment for individual health plans begins on November 1 for plans that start on January 1, 2016. However, small businesses can enroll in Small...
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Coming to a City Near You: Mandated Sick Leave Benefits
More employers provide paid vacation time than paid sick leave time: 58 percent versus 52 percent, found a survey by the Society for Human Resource Management. Forty-one percent provided paid time off (a combination of vacation time, paid sick leave and general paid time off). California became the first state to require employers to provide...
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Title VII Non-discrimination Protections Apply to LBGTQ Individuals
The EEOC has concluded “sexual orientation is inherently a ‘sex-based consideration’ and an allegation of discrimination based on sexual orientation is necessarily an allegation of sex discrimination under Title VII.” Translation: Title VII nondiscrimination protections apply to people who identify as lesbian, gay, bisexual, transgender and queer. No federal law expressly bars discrimination against people...
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