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The Long-Term Care Dilemma

With the many Baby Boomers reaching their golden years it is expected that the cost of long-term care (LTC) costs could reach $5.6 trillion nationwide by 2047. The best estimates is that 40% of the aging population will need some sort of nursing home stay for either rehabilitation or end-of-life…

Will Preparation: What You Really Should Know Beforehand

For some, it always feels strange thinking about writing a last will and testament. Thinking of mortality and even expecting it can be too much for some people to handle. However this is one of the most important things you can do for your loved ones even if you are…

The Employee Benefit Millennials Really Want

Student loan debt made huge news in 2014 when it exceeded the total US credit card debt. American students collectively owe well over $1.40 trillion in student loan debt spread out among 45 million borrowers. The national delinquency rate is 11.2% and the default rate is an astonishing 11.5%. With…

Allergies or Worse?

You’re sniffling, sneezing, coughing, wheezing, and your throat is on fire. Do you have the flu? Or is it just a bad case of the allergies? It can be hard to tell especially in the late winter and early spring when the pollen count is high. The flu, the common…

HIPAA: Terms to Remember

When it comes to HIPAA and protecting your employees’ private information, there are a lot of things you have to remember to make sure you are not violating any of the guidelines. Here is a short refresher course on HIPPA and the most important terms. HIPAA: The Health Insurance Portability…