Often, I receive inquiries from individuals wanting to purchase short-term disability on an individual basis. Typically, carriers will not offer short-term disability individually as it is not cost effective. Standard short-term disability benefits start either first day for injury or illness or often first-day injury and seventh-day illness. Can you guess who is traditionally most
The Centers for Medicare & Medicaid Services (CMS) is readying a fraud prevention initiative that removes Social Security numbers from Medicare cards to help combat identity theft, and safeguard taxpayer dollars. The new cards will use a unique, randomly-assigned number called a Medicare Beneficiary Identifier (MBI), to replace the Social Security-based Health Insurance Claim Number
Small businesses make up about 90% the workforce today. Are the employees happy? AFLAC surveyed 1,000 US small businesses to determine how happy employees working for small businesses are for their Happiness Report 2017. They found that 94% of small business employees are happy in their current jobs all, most or some of the time.
It is interesting the seeming cyclical nature of voluntary and wellness benefits. I remember back in the 80s when my step mother, who was a VP of Human Resources in a large local company, devised a wellness plan for their employees. It was ‘new’ and hopefully going to help with premiums. It didn’t seem to
Doesn’t that seem like an oxymoron? A Group of One? It is possible with employer sponsored healthcare. Let’s look at the definitions of an employer group, the employer/employee relationship and other considerations needed to qualify. The account must be an entity that is formed for reasons OTHER than health insurance with an employer-employee
When traveling, there are basically two types of travel when it comes to medical insurance; Domestic and International. Domestic Travel: Domestic travel is when you leave your home in the United States, however remain within the continental 48 states, Alaska and Hawaii. Very often, even care needed in the Bahamas and Puerto Rico could