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Avoiding Burnouts: Signs of an Overly Stressed Employee

Stress and anxiety are killers of productivity. In a recent survey by the American Psychological Association (APA), 58% of Americans stated that work is a significant source of stress. This same study presents evidence that occupational stress costs employers an estimated $300 billion annually due to lost productivity. The loss […]

Benefits A-Z: Long-Term Disability

You might think that an accident or illness causing a lengthy period of disability would never happen to you. You might also think that your medical insurance will cover all your expenses in the event of a disability. While the first assumption may or may not prove true, the second […]

Can the Benefit Booklet Provided by Our Plan’s Insurer Serve as the SPD?

QUESTION: We have a fully insured group health plan. The insurer provides a state-law required certificate of insurance booklet that describes the coverage provided under the plan. Can we use that booklet as the summary plan description (SPD) for this plan? ANSWER: The booklet probably cannot serve as the SPD on its […]

Benefits A-Z: ID Theft & Protection

According to recent studies, there were an estimated 16.7 million identity theft victims in 2017. There were also over 1,500 publicly reported data security breaches in 2017 exposing even more people to the possibility of identity fraud or ID theft. As commerce technology evolves, so do the skill sets of […]

Planning for Retirement When You Have a Late Start

You are about to turn 40 and you realize you don’t have much in your retirement account. Life happens. You had other priorities that needed every dime of your income. Now you need to start getting really serious about saving for your retirement or you will not have enough money […]