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Author: Webber Advisors
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6 Things You Didn’t Know About Long-Term Care Insurance | PA Insurance
When you think of long-term care insurance, what comes to mind? Unfortunately, some people hold certain misconceptions or have an unfavorable opinion of long-term care insurance, largely stemming from issues related to its early days. But that was then. Today, there are more options focusing on straightforward and flexible long-term care solutions. Let’s take a…
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What Employers Need to Know About Disability and Religious Accommodations for Employees | PA Benefits Broker
www.hr360.com In the modern workplace, we are fortunate to embrace diversity in many forms. In all likelihood, your company or organization employs individuals of many different backgrounds and abilities. At times, these differences may require what is known as an accommodation–a change in the work environment (or in the way things are usually done) that…
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Life Insurance & Sports | PA Employee Benefits
www.lifehappens.org Question: “Will my sport cause me problems in purchasing new life insurance?” Answer: in most cases no, but there are some hobbies that may be a problem for the underwriters in the insurance company. Here is a list of seven high-risk sports that are problematic when it comes to getting life insurance. 1. Ice…
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What Is Medical Insurance Premium? | Benefits Broker Pennsylvania
www.livestrong.com The many fees associated with medical insurance can be confusing. Premiums are the fees paid for medical coverage for a specific benefit period. In addition to premiums, other out-of-pocket expenses include co-payments and deductibles, all of which vary with the insurance you have. Medical Insurance Premiums As with car insurance or home insurance, a…
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How to Calculate Cobra Insurance | Benefits Specialist Duncansville
www.livestrong.com Losing your job can result in losing more than income—you may also lose employer-sponsored health coverage. To help unemployed, uninsured Americans at risk for financial ruin in the event of a medical emergency, Congress in 1985 enacted the Consolidated Omnibus Reconciliation Act, also called COBRA. COBRA requires certain employers to allow former employees the…
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Facts about Physical Activity | Duncansville Benefits Broker
Abridged from WWW.CDC.GOV About 1 in 5 (21%) adults meet the 2008 Physical Activity Guidelines. Less than 3 in 10 high school students get at least 60 minutes of physical activity every day. Physical activity can improve health. People who are physically active tend to live longer and have lower risk for heart disease, stroke,…
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HRA or HSA – which is better for you? | Benefits Specialist PA
Abridged from www.aetna.com The answer, of course, depends on your needs. But before you can choose, you need to understand the similarities and differences between both types of consumer-directed plans. Encouraging health care consumerism Let’s start with the similarities. The philosophies behind the Health Reimbursement Arrangement (HRA) and the Health Savings Account (HSA) are the…
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Avoiding a “Self Reported” Disability Claim Nightmare | PA Employee Benefits
By Allan Checkoway, RHU http://disabilityandseniorresources.com/ 1,200,100 Social Security Disability applications were filed in 1999 (48 percent or 579,000 were declined). In 2009, ten years later, 2,816,200 Social Security Disability applications were filed (and 65 percent or 1,830,530 were declined). The number of disability applications more than doubled while denials more than tripled. In one year,…
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Benefit Trends for 2016 | Pennsylvania Benefits Broker
Stephen Miller, CEBE, Online Editor/Manager www.shrm.org To hang on to top talent, HR practitioners also will roll out new, creative and customized voluntary benefits. Student loan assistance, anyone? Here’s how benefit experts tell SHRM Online how they plan to do it: Taking Consumerism Up a Notch This often means promoting health care consumerism by shifting…
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Yay for Snow Days! But Can I Work From Home? | Pennsylvania Employee Benefits
Do employers need to pay employees when bad weather forces the office to close? Other feasibility questions/issues might arise, too, especially around public transportation closures and working from home. Do employers need to pay employees if the office is open, but public transportation is closed? Under the FLSA rules, employers do not need to pay…
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