On Tuesday December 13, President Obama signed the 21st Century Cures Act, an omnibus health bill with something for everyone. The bill has been described variously as the last, best hope for bipartisan compromise and tucked at the very back of the legislation — is a gift to small business. Title 18 of the new [...]
Living and working is dangerous. Your chances of becoming hurt and not being able to work is greater than your chance of dying (US Census Department). So how to you offset the risk of lost wages if you become disabled and can’t work? Having a short term disability insurance policy in force provides that protection. [...]
Medical Debt is now one of the top five causes of bankruptcy in the United States (2015). There are some steps that you can take to help avoid medical debt that you can’t afford: 1. Find a High Deductible Health Insurance plan that offers lower monthly premiums instead of going without insurance. Many people feel [...]
The American Psychological Society has surveyed Americans for the past seven years, to find the leading causes of stress in their life. This year’s report (Released April 2016) indicates that the number one cause of stress is money. In fact, money has been the number one stressor since they started the survey. Here are highlights from the [...]
Life insurance rates are calculated based on a number of factors; the biggest impact being health related. Although there is a ‘formula’ for determining rates that insurance companies use, these are the most common factors: Age. The younger you are the less likely you are to die suddenly in comparison to an older individual. This [...]
With this year taking the largest hit for health care insurance premiums, many Americans are wondering when it will end and what can they do. The Affordable Healthcare Act (ACA) has resulted in some carriers pulling out of geographic areas, increased costs due to ratings being leveled (unhealthy people pay what healthy people do), and [...]
As you work and approach the end of the year, take time to understand what benefits are offered at your employer in addition to your employer sponsored retirement plan. If you're a self employed individual, you are able to purchase the following benefits as a tax deductible benefit to your business while insuring yourself! Consider [...]
Influenza can occur at any time, but in the US it is most prevalent from October through May. Keep yourself protected from getting sick through good health habits: Nutrition and Sleep- Eating ‘real’ food (fruit, vegetables, and whole grains for example) and avoiding processed foods increases your vitamin intake which can help your immunity to [...]
Open enrollment for 2017 has begun on November 1, 2016, and will end on January 31, 2017. These dates are for both on and off-exchange plans. The deadline to enroll in a plan with a January 1, 2017 effective date will be December 15, 2016 (Massachusetts, Rhode Island, and Washington state will all allow enrollments to be completed as [...]
