Most health insurance plans provide for in-hospital care, doctor visits and preventive health care needs. But they may not cover many other health-related needs of older adults, such as long term care, which is also not covered by Medicare. Today, the average monthly cost for nursing home care is nearly $5,000, and stays can exceed several years.
Several days after getting foot surgery, Jessica Mulgrew of Arlington, Texas, discovered two holes in the repaired foot. She immediately...
Employee benefits are a key piece of the job market today. To employers, excellent benefits like health care and retirement funding are an essential for attracting committed, quality workers.
Sometimes though, problems arise even when programs are set up with the best of intentions. Whether a shaky market shrinks funds or bad investment advice leads to sudden loss, companies need to know what kind of protection they provide their fiduciaries.
Fiduciary Liability Basics
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Did You Know?
Molds are organisms that breakdown animal matter and dead plants. Though most molds grow outdoors, they can travel inside by way of open windows and doors, air conditioning systems and on pets, clothing and shoes. Once inside your home, mold needs a moist food source, such as lint, ceiling tiles or wallpaper, to grow.
Try these prevention tips to keep mold out of your home:
- Clean up any water damage or flooding thoroughly and immediately.
Recently, TruTV aired an episode of "Adam Ruins Everything", in which the host Adam Conover focuses on ruining the viewer’s perception of the healthcare industry by educating them on why healthcare is so expensive.
The episode opens with Adam Conover having a conversation with a would-be patient who has come to the hospital for a cold or the flu. The patient explains that she wants as much care as possible regardless of cost because she simply pays her insurance...
Did You Know?
The cost of life insurance relies on a number of factors, but none carry a greater weight than, well – your weight. Because underwriters see overweight or obese applicants as high-risk, many will deny requests for coverage or simply charge life insurance rates that are extremely high. Read on to learn more about why size matters.
Most insurance companies will judge how much body fat you’re carrying by calculating your body mass index (BMI).
Directors and officers are responsible for making the tough choices that can make—or break—a company’s fortunes. In doing so, they must consider the best interests of employees, customers and shareholders, while also keeping in mind corporate best practices. Limited or imperfect information and tight deadlines add to the overall complexity of the decision-making process and can lead to poor outcomes or even outright mistakes.
To hire and retain talented directors and officers,...
Gain freedom on the road with the right motorcycle coverage.
Reducing Risk for Riders
There’s nothing like the freedom you feel when riding but if you’re on the road, you’re at risk. To ensure you’ve got the coverage and financial protection you need, consider the following motorcycle insurance coverage options.
Liability Insurance Coverage
Required by most states, liability insurance covers bodily injury and property damage that you may cause to other people...
How do you know what employee wellness programs will work and have an impact, motivating employees to engage?
Is there a workplace well-being crystal ball? Not to my knowledge! The good news is that there are success strategies and key components that have been shown to improve the engagement of your wellness programs and consequently, the health of your population.
Fresh Perspective: Initiate and Cultivate Cultural Change
Many employers initiate employee wellness...
Like many industries, the world of insurance has its own unique set of vocabulary to describe its products. To help you understand the information included in a life insurance policy, we’ve gathered some basic terms.
The Basics of Life Insurance Terms
A Helpful Glossary of Common Policy Types and Terms
Beneficiary: The person or party named by the owner of a life insurance policy to receive the policy benefit.
Cash value: The...
While the causes of workplace stress differ from worker to worker, experts agree that it is the things we can’t control that cause the greatest amount of stress. To help manage your workplace stress:
- Create a “to do” list to help plan and prioritize your work.
- Set realistic deadlines.
- Consider alternatives designed to save time and money, such as outsourcing projects.
- Break larger tasks into smaller, more doable steps.
- Take a break. Taking a...