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1. “Healthcare costs just go up every year” Wrong. With the right risk management strategies, many businesses were able to save north of $5,000 dollars per employee last year — without watering-down coverage.    2. “Partially self-funded plans are risky”  Wrong. Partially self-funded plans give you the visibility and ability to control financial liabilities while...
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To avoid margin erosion, improve cash flow, and protect employees, businesses need to seek out Benefits professionals who provide objective expert advice. While many companies stick with their employee benefits broker for years on end, not giving too much thought to whether a change is warranted, there are some definite signs it’s time to find...
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Given the political and economic uncertainty we all face, one thing is sure: many businesses need to take extensive measures to improve operating leverage and cash-flow NOW.  Before layoffs and other draconian measures are considered, companies would be wise to pull a lever sometimes overlooked by Chief Financial Officers — their company health plan. Now,...
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Thanks to tax subsidies, benefits are often the most economical way to attract and retain talent, but creating a truly competitive and compelling employee benefits package can be a struggle — especially if you own a small company. Legally, you have to offer certain benefits like social security taxes, unemployment insurance, and worker’s compensation, and...
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If you’re reading this, it’s probably because your health insurance rates are going up, you feel like you’re out of options, and you’re considering pushing more costs onto your employees. Don’t do it. Why? For starters, lets remember why you offer benefits in the first place — to attract and retain talent, right? That said,...
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If you offer a group health plan, it’s imperative to properly administer all of the health plan notices required. Otherwise, you could face costly penalties.  Here is a rundown of the notices you might wish to include in your open enrollment communication efforts:  Summary Plan Description (SPD) This document must include specific information about what...
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You’ve heard people use the words “health” and “wellness” together, but do you know the difference between these two terms? You might think that these terms are interchangeable, but there are significant differences between health and wellness that you (and your employees) need to know about. What are Wellness Programs? Wellness programs focus on preventative...
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It’s the end of another year and another decade, and the healthcare landscape looks completely different than it did 10 years ago. Back then, getting good health insurance from your employer was the norm, and healthcare wasn’t nearly as expensive as it is today.  As employers continue to restructure their health offerings, high-deductible health plans...
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