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Going Beyond Term Insurance Minimums

May 23, 2020 by The Insurance 411Leave a Comment

How to improve life insurance benefits for employees. According to the U.S. Bureau of Labor Statistics, 60 percent of non-government employees have access to employer-provided life insurance, and 98 percent of employees who have access to plans take advantage of them. The low cost of the coverage for both employers and employees is one reason...
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Filed Under: Employee Benefits   •  Life Insurance   •  Life Insurance   •  Voluntary Benefits

3 Tips to Expand Voluntary Benefits and Save Money

January 27, 2017 by The Insurance 411Leave a Comment

Voluntary Benefits

At a time when employers are trying to solve talent gaps while juggling tight budgets, the popularity of voluntary benefits continues to gain traction—with voluntary benefits’ sales increasing for the fifth straight year, according to LIMRA. Voluntary life insurance sales grew 8 percent and supplemental health insurance sales grew 4 percent in 2015, according to...
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Filed Under: Employee Benefits   •  Voluntary Benefits

What Is a Flexible Spending Account?

February 22, 2016 by The Insurance 411Leave a Comment

Flexible Spending

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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Filed Under: Employee Benefits   •  Voluntary Benefits

Critical Illness Insurance Helps Ease Cancer’s Financial Pain

June 11, 2015 by The Insurance 411Leave a Comment

Cancer Insurance

The good news is the likelihood of surviving a cancer diagnosis has increased. The bad news is the cost of treating cancer has also increased…and so have deductibles and copayments. Currently, an estimated 11 million Americans are living with cancer. Although your chances of surviving cancer are better now than ever, how will your budget...
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Filed Under: Benefits Management & Compliance   •  Critical Illness Insurance   •  Voluntary Benefits

Voluntary Benefits Can Help Employee Retention

June 10, 2015 by The Insurance 411Leave a Comment

Employee Retention

An improving economy will bring sighs of relief to many employers. Unfortunately, it could also bring increased employee turnover. A strong benefits program can help you retain your valuable employees. What factors do employees cite when they talk about leaving their jobs? Leigh Branham, an employee retention consultant, wrote in Workforce Management that only 12...
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Filed Under: Voluntary Benefits

Concierge Benefits

June 9, 2015 by The Insurance 411Leave a Comment

Concierge Services

Just like at a hotel, an employer’s concierge service can perform services such as making a restaurant reservation or buying tickets for a concert, to finding a plumber or babysitter. Without a concierge, employees might otherwise spend work time handling these tasks. The point of concierge services is to make employees’ lives easier. Employers that...
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Filed Under: Voluntary Benefits

Voluntary Life Helps Bridge the Insurance Gender Gap

June 9, 2015 by The Insurance 411Leave a Comment

life insurance for women

Making insurance available through the workplace, including with voluntary programs, can help eliminate a dangerous financial problem for many women: inadequate life insurance. How serious is the underinsurance problem? MetLife’s 8th Annual Study of Employee Benefits Trends found that married men with minor children have, on average, five times their annual household income in life...
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Filed Under: Life Insurance   •  Voluntary Benefits

Identity Theft Insurance = Reputation Protection

April 12, 2015 by The Insurance 411Leave a Comment

Identity Theft

A survey by one vendor 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 an individual’s personal identifying information—name, address, credit card or Social Security number—without authorization to open new charge accounts, order merchandise or borrow money....
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Filed Under: Employee Benefits   •  Voluntary Benefits

How to Insure Your Part-Time Workers at No Cost

December 12, 2014 by The Insurance 411Leave a Comment

Insuring Part Time Workers

Part-time and variable-hour employees are more likely to lack employer-provided benefits than other workers. Voluntary benefits let employers provide benefits to these workers at no cost. In October 2014, more than 7 million U.S. workers worked part-time due to “financial reasons.” Although they’d prefer to work full-time, these individuals work only part-time due to slack...
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Filed Under: Affordable Care Act - "ObamaCare"   •  Employee Benefits   •  Voluntary Benefits

Why Offer Employees Group Life Insurance ?

December 6, 2014 by The Insurance 411Leave a Comment

Group life insurance

Today, 57 percent of all workers in private industry have access to employer-provided life insurance. An employee’s status makes a big difference, though—72 percent of full-time workers have access to life benefits, while only 13 percent of part-timers do. If You Offer It, They Will Take It Employees appreciate the value of group life insurance,...
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Filed Under: Employee Benefits   •  Life Insurance   •  Voluntary Benefits

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