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10 Reasons to Love a Health Savings Account (HSA)

This flyer outlines ten advantages of having a health savings account. Find out why businesses and employees enjoy HSAs.

360-Degree Reviews

The 360-degree review and feedback process provides continuous learning and more global feedback to employees. Organizational leaders believe this holistic tactic to obtain information about an employee leads to more significant performance improvement and personal growth. This article discusses the pros and cons of 360-degree reviews.

Administering Benefits: Engage One-on-One for Better Results

Worksite communication programs that involve one-on-one guidance help employees make the best decisions regarding their employer-sponsored benefits.

An Employer's Guide to Promoting Wellness at the Workplace

An article explaining the benefits of promoting wellness at the workplace, the best practices to follow when developing a wellness program and how to develop an operating plan for a wellness program.

Answers to the Most Frequently Asked Benefit Questions

Know Your Benefits article providing answers to frequently asked benefit questions, such as "What is Coinsurance?", "What is an EOB?", "What is a PPO?" and more.

Are You Considering an HDHP/HSA?

This Know Your Employee Benefits article explains what you need to consider before enrolling in a company-sponsored, high-deductible health plan (HDHP) paired with a health savings account (HSA).

Auto Accident Form

Keep this in your auto glove box to help you remain focused on what to do in the event of an auto accident.

Auto Insights: Safety Precautions for Extreme Weather

When bad weather strikes, utilize these safety tips to get to your destination safely.

Automobile Insurance Overview

Trying to make sense of your automobile insurance options and the limits that you need? This brochure provides that information to you.

Be a Wise Health Care Consumer - 25 Ways to Reduce Your Health Care Costs

Help employees learn to shop for value when it comes to health care. With little effort they can save thousands of dollars on their medical bills.

Be a Wise Health Care Consumer - Reduce Your Prescription Drug Costs

Employees are increasingly being given the opportunity and responsibility to manage their own health care dollars. Help them become savvy consumers of prescription drugs with this article.

Benefit Counseling: The Key to Successful Enrollment

This brief article discusses the importance of meeting with employees one-on-one in order to best explain their benefits.

Build Your HSA Balance - Savings Chart

This easy-to-read chart shows employees how quickly an HSA balance can build. It assumes $1,000 per year rollover.

Cash-value Homeowners Insurance

Purchasing a cash-value homeowners policy means when you file a claim, your lost, stolen or damaged items will be paid out at a depreciated value. In other words, you will be paid the actual cash value of the items instead of their retail value. Learn about the advantages and disadvantages of cash-value homeowners insurance.

COBRA Requirements: FSAs and HRAs

This Legislative Brief provides an overview of COBRA compliance obligations for health flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs).

Common and Costly Mistakes: Checking References

Some employers only provide dates of employment, position held and salary because of fear of litigation when it comes to former employees. The following tips can help you get more information from references.

Company Car Policy

This policy details the provision of Company cars for business use to certain employees, upon approval. This can be a standalone policy or part of an employee handbook.

Comparing MSAs, HSAs, HRAs and FSAs - Which Approach is Best?

This article briefly explores the differences between MSAs, HSAs, HRAs and FSAs as they relate to consumer-driven health plans. It includes the latest cost of living adjustments and has been updated for health care reform changes.

Consumer-Driven Health Care - Creating Choices For You

This is a piece which argues that consumer health plans empower patients to know their marketplace beforehand, and it stresses the savings HSAs can provide.

Consumer-Driven Health Care Terminology

This Know Your Employee Benefits piece defines some commonly used terms in consumer-driven health care (CDHC).

Coverage Insights - All You Need to Know About Automobile Insurance

Automobile Insurance serves as a safeguard against financial hardship in the event of an auto accident and assists in paying for damages if your company vehicle(s) is damaged, starts on fire or is stolen.

Coverage Insights - Commercial Automobile Policy Symbols: What Do They Mean?

Taking the time to understand the language and symbols on a commercial Automobile Insurance policy may seem like trying to learn a new language. This overview will help.

Coverage Insights – Directors and Officers Liability Insurance

Check out this months edition of Coverage Insights. It focuses on the benefits of carrying directors’ and officers’ (D&O) liability coverage.

Coverage Insights – Employment-Related Practices: Are You Prepared?

Discusses employment practices liability exposures and strategies to reduce risk. Employment-related lawsuits are a growing concern for employers of all sizes.

Coverage Insights – Excess Liability (Umbrella) Coverage

Excess Liability Insurance (ELI) is one of the most important types of insurance. It protects companies from holes or limits in existing policy coverage as well as from financially draining lawsuits.

Coverage Insights - Garage Keepers Liability Coverage

Offers information about Garage Keepers Liability coverage and how it protects customer vehicles that may be damaged at a business location during parking, storage, or maintenance or service.

Coverage Insights – General Liability Insurance: Your Defense Against Liabilities

The only way to effectively protect the assets of your business is to carry adequate Commercial General Liability (CGL) Insurance coverage.

Coverage Insights - Manufacturers Errors & Omissions (E&O) Insurance

In order to protect your business from a product failure resulting in a third party financial loss without bodily injury or property damage, you will need to add manufacturers errors & omissions (E&O) coverage to your liability insurance portfolio. Read on to find out what's covered by this type of insurance.

Coverage Insights - Personal Injury Protection for Your Automobile Policy

Many policies come with Personal Injury Protection (PIP) coverage, which pays for medical expenses and lost wages for drivers and their passengers who are injured in an auto accident, regardless of who is at fault. PIP also provides coverage for funeral expenses. This form of insurance falls under the guise of No-Fault Automobile Insurance, which is designed to speed up payment to accident victims and lower the cost of Automobile Insurance rates by reducing the number of lawsuits for minor claim

Coverage Insights - The Basics of Property Insurance

Provides an overview of the basics of property insurance and the importance in valuing property when considering coverage amounts.

CSA Carrier Toolkit

Learn how you can improve your CSA scores with this helpful guide.

Customized Vehicles Coverage

If you're one of those people who enjoys getting more out of his/her car than just getting to your destination, you should be aware that any customizing that you do to your vehicle impacts your auto policy, too. Before you add custom paint and bodywork, it's best that you customize your auto policy.

Developing a Benefits Communication Program

The process of creating and delivering a manageable and effective benefit communication program can be a time-consuming undertaking, but by following some helpful tips and best practices, you can streamline the success of your program.

Educate Employees on the Importance of Life Insurance

Life insurance is a common and worthwhile benefit, but many employees fail to appreciate its value. This article explains the importance of educating employees, plus some helpful tips.

Educating Employees About Health Benefits

Employers have a responsibility to educate their employees about the health coverage options they offer. This article explains what steps need to be taken on both ends.

Educating Employees on Voluntary Benefits

This Employer Education article discusses the importance of educating your employees on your voluntary benefit offerings, and how they can best take advantage of those benefits.

Effective Benefit Plan Communication

The way that employers communicate benefits information to employees has a tremendous impact on how well the benefit programs are understood, utilized and perceived by employees.

Employee Communication

Effective employee communication is a vital aspect of the employer-employee relationship. With all the possible channels for communication today, there are plenty of opportunities to supply employees with timely and accurate company news and information.

Employee Handbooks: Common Legal Mistakes

Employee handbooks are vital to your business, but can leave you at risk for lawsuits. This article discusses common legal mistakes associated with handbooks, and how to avoid them.

Employee Medical Benefits: Self-Funded vs. Insured

This article explains the differences between self-funded and fully insured employee medical benefits.

Employee Referral Programs

To assist in recruiting efforts, many employers offer an Employee Referral Program (ER Program) at their organizations with the intention of bringing in qualified, knowledgeable job candidates that are hand-picked by their current employees. Learn how to create and maintain a successful ER Program in this article.

Four Components of Risk Management

Understand how effective risk management impacts your bottom line and should be an integral part of the decision-making process.

Frequently Asked Questions About HSA Plan Usage

This document includes frequently asked questions by employees that have selected an HSA plan. It would be appropriate to provide after the plan has become effective.

GHS Compliance Toolkit

The GHS Compliance Toolkit is divided into two sections. The first section contains information designed to help employers understand and comply with OSHA’s revised Hazard Communication Standard. The second section contains a variety of training materials employers can use to educate employees on the new label elements and Safety data Sheet (SDS) format.

Handling a DOL Audit with Ease

Use the step-by-step process and DOL suggestions in this article to cope with an audit by the Department of Labor.

Health Care Consumerism - What You Need to Know

Use this piece to introduce the consumerism concept to employees. It gives a brief overview of health care consumerism and why employers are gravitating toward consumer-driven health plans in increasing numbers.

Health Care Reform and COBRA - Questions and Answers

This Legislative Brief answers some frequently asked questions issued by the Department of Labor to assist in comprehending the health care reform legislation as it pertains to COBRA.

Health Care Reform and the Future of CDHPs

Under the health care reform legislation, well-designed and implemented CDHPs will continue to serve as a cost-saving alternative to traditional plans for both employers and employees. However, employee reaction may range from skepticism to anxiety.

Health Care Reform Fees - Special Rules for HRAs

To cover the cost of some of its reforms, the ACA imposed a number of fees on health insurance issuers and sponsors of self-insured health plans, including research fees (PCORI fees) and reinsurance fees. This Legislative Brief describes special rules for applying PCORI fees and reinsurance fees to HRAs. It also includes a chart comparing the rules for each fee.

Health Care Reform Timeline

The changes made by the health care reform law will be implemented over the next several years. This Legislative Brief provides a timeline for key reform provisions.

Health Care Reform Timeline Chart

This chart provides an at-a-glance description of the major health care reform provisions affecting employers and employees.

Health Care Reform: 60-Day Advance Notice of Plan Changes

Health care reform requires 60 days’ advance notice of certain changes in plan terms or coverage. This Legislative Brief explains the 60-day advance notice requirement.

Health Care Reform: Health Care Tax Credit for Small Employers

Health care reform provides a tax credit to small employers that offer health insurance coverage to their employees. This Legislative Brief provides an overview of the health care tax credit for small employers.

Health Care Reform: Health Insurance Exchanges

This Brief provides a high-level overview of ACA’s Exchanges, and the role of entities typically involved with the insurance process (such as brokers) under the Exchanges.

Health Care Reform: Summary of Benefits and Coverage

The health care reform law requires health plans and health insurance issuers to provide participants and beneficiaries with a summary of benefits and coverage (SBC). This Legislative Brief describes the requirements for the SBC in detail.

Health Care Reform: Workplace Wellness Program Incentives

This Brief provides an overview of the different types of workplace wellness programs and the Affordable Care Act’s rules on the incentives or rewards that can be offered under the programs.

Health Insurance Terminology: Managed Care

This Know Your Benefits article provides definitions for a variety of terms related to managed care.

Health Saving Acount (HSA) Case Study 1

This case study outlines the first two years of an HSA plan for a single male in his late 20s, as an example of how an HSA works.

Health Saving Acount (HSA) Case Study 2

This case study outlines the first two years of an HSA plan for a family of four with a few medical issues, as an example of how an HSA works.

Health Saving Acount (HSA) Case Study 3

This case study outlines the first two years of an HSA plan for a divorced woman in her early 60s who experienced a major medical catastrophe, as an example of how an HSA works.

Health Savings Accounts - The Basics

This article discusses the basics of a health savings account and provides an overview of the rules around HSAs.

Hire to Fit Your Company Culture

Poor hiring decisions can be extremely costly for your company, in terms of business interruption, lower employee morale, wasted recruiting and training resources, and more

Homeowners Insurance Policies: HO-3 vs. HO-5

Discover the difference between HO-3 and HO-5 homeowners insurance policies.

How to be a Wise Health Care Consumer

This Know Your Benefits brochure describes how health care costs impact employers, and what employees can do to help keep costs down.

HR Insights – Employee Feedback

Article on the importance of obtaining employee feedback through the use of surveys. Find out from your team how to improve.

HRA Case Study - Family with Unplanned Medical Expenses

An example of an HRA in use. Utilize this case study to help educate employees on HRAs.

HRA Case Study - Single Person with Low Medical Expenses

An example of an HRA in use; one of three scenarios. Utilize this case study to help educate employees on HRAs.

HRA Case Study - Single Person with Medical Expenses

An example of an HRA in use; one of three scenarios. Utilize this case study to help educate employees on HRAs.

HSA Questions and Answers

This Legislative Brief sets out Questions and Answers regarding Health Savings Accounts (HSAs), as provided by the Internal Revenue Service (IRS) in Notice 2008-59. The Notice addresses topics related to HSAs

HSAs and Retirement

This article explores the unique health care needs of consumers ages 50-65 and discusses whether an HSA is a good option for these adults.

In Focus: Health Care Consumerism

An overview of the consumerism movement, with a graphical depiction of the components.

Individual Health Insurance

Are you one of the millions of individuals forced to obtain health insurance on your own? This Know Your Employee Benefits flyer lists tips for finding the right provider.

Invest in Your Future: HSAs

This is a quick one-page outline of why a Health Savings Account is a wise financial move.

IRS Issues Proposed Rules on Large Employer Reporting Requirements

The IRS released proposed rules on the section 6056 reporting requirements. This Health Care Reform Compliance Bulletin summarizes the proposed rules.

Make Your Workplace Flexible to Benefit Your Bottom Line

For employers, allowing for workplace flexibility is a great marketing tool for the company and a solid way to recruit and retain talented employees.

Making the Most of Your Health Care Dollars: Comparison Shopping

Can employees really comparison shop for health care? This Know Your Benefits article helps them understand health care costs.

Manufacturing Employee Safety Manual

A customizable Employee Safety Manual for those in the manufacturing industry featuring safety policies and procedures that support a safety-conscious work environment. *Federal, state or local laws, along with individual circumstances, may require the employer to add to, remove or modify the policies in this handbook to fit their specific situations. This handbook is meant only to be a guide and should never be a substitute for appropriate legal counsel.

Manufacturing Risk Insights: Controlling WC Costs

If your business has experienced increases in workers' comp costs as a result of accidents, it's time to take a new, five-step approach.

Manufacturing Risk Insights: Lower Costs by Implementing Safety Programs

Understanding the importance of implementing effective safety programs in your manufacturing facility can have a big impact on your bottom line.

Manufacturing Risk Insights: Managing Your Total Cost of Risk

Outlines the cost of risk and highlights various risk management strategies to control price.

Maximizing Open Enrollment for Employees

Employees must take more responsibility when selecting their benefits and securing their future, and often require more help from their employers when making these decisions. This article lists ways to streamline open enrollment.

Offering Telecommuting as a Scheduling Option

This article outlines why telecommuting could be a benefit to you as an employer, as well as to your employees. It also gives examples of employers who make use of telecommuting.

Opt-Out Election for Self-Funded, Non-Federal Governmental Plans

This Legislative Brief provides an overview of the opt-out election available to sponsors of self-funded, non-federal governmental plans with respect to certain benefit mandates. It also discusses changes made to the opt-out election by the Affordable Care Act.

OSHA Commercial Diving Operations Directive - Overview and FAQs

This regulatory update provides a high-level overview of a recently released OSHA directive for commercial diving businesses and details several frequently asked questions about commercial diving safety.

OSHA On-Site Consultation Program

Using a free consultation service largely funded by OSHA, employers can find out about potential hazards at their work sites, and even qualify for a one-year exemption from routine OSHA inspections.

OSHA'S Frequently Asked Questions on GHS

OSHA has conformed its Hazard Communication Standard (HCS) to the Globally Harmonized System of Classification and Labelling of Chemicals (GHS). This Legislative Brief sets forth FAQs provided by OSHA on the revised standard.

Plan Designs: Health Reimbursement Arrangements

This piece highlights the benefits of HRAs, the legal requirements, and plan design options. It includes a chart comparing HSAs, HRAs, MSAs and health FSAs.

Plan Designs: Self-Insurance Guide

Self-funding is not right for every organization. Employers considering a switch from insured to self-funded health plans should carefully review the pros and cons outlined in this article before making a decision to self-fund.

Preventing Fleet Fraud

This piece is designed to help employers recognize what type of programs they need to institute to minimize occupational fraud exposures.

Recruiting and Retaining Millennial Workers

Start recruiting the millennial generation to gain hardworking, enthusiastic employees, who are eager for new opportunities. This article outlines what younger employees expect from their employers.

Religious Discrimination in the Workplace

Avoiding disparate treatment of employees based on their religion is a valid concern for any employer. Employers can reduce the risk of discriminatory behavior by following the tips in this article.

Results-Only Work Environments

This article introduces a newer concept in the workplace, where employers aim for productivity and results instead of actual hours put in at the office.

Standard Homeowners Insurance

A standard homeowners insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Here's more on a typical homeowners insurance policy.

Strategic Risk Management Plan

Strategic action timetable for illustrative or planning purposes.

Team-Building Activities

Integrating team-building activities into your work agendas and schedules makes great business sense and can make major headway in achieving company goals. This article offers some suggestions sure to bring about results.

The Advantages of Self-funding

The educational article highlights key aspects of self-funded health plans as an adaptable alternative to traditional health plan structure.

Total Compensation Statements

To assist your employees in fully comprehending their benefits package, consider providing a total compensation statement. This article lists what should be included, as well as the benefits and drawbacks of these documents.

Understanding a Health Reimbursement Arrangement (HRA)

This article answers common questions about HRAs. It would be appropriate to provide before or during open enrollment.

Understanding a Health Savings Account (HSA)

This document includes common questions asked by employees prior to selecting an HSA plan. It would be appropriate to provide before or during open enrollment.

Use State Benchmark Data to Improve Your Wellness Initiatives

Gathering data about your employees is an essential building block for any effective wellness program. State benchmark data offers a valuable opportunity to learn about your workers' health risks and habits.

Work Comp Insights – Workers’ Compensation Insurance: An Overview

Workers’ compensation is an insurance coverage that pays benefits to workers injured on the job, including medical care, part of lost wages and permanent disability. Learn about this insurance coverage today.

Workplace Wellness: Assessment Checklist

Employers should complete an assessment of their workplace to identify their wellness strengths and areas in need of improvement. Employers can use this checklist when completing their assessment.

Workplace Wellness: Employee Health Fairs

Employee health fairs are easy to organize if you allow enough time for planning and follow a step-by-step approach. This article provides a detailed timeline of steps to assist you in executing a successful event.

Workplace Wellness: Evaluation

How do employers know if their wellness programs are successful? This template addresses the importance of evaluation in the wellness program process.

Workplace Wellness: Focusing Your Efforts

After an organization has completed the analysis of the worksite assessment and employee survey and taken a look at the array of program strategies to be considered, it's time to decide where to focus the wellness efforts. This article discusses things to consider when developing the wellness plan.

Workplace Wellness: Getting Your Program Started

Once an organization decides it wants to start a workplace wellness program, the first question is often "What kinds of things should we do?" Before that discussion is had, it's important that organizations lay the groundwork for a wellness program. This article discusses those initial steps.

Workplace Wellness: Health Risk Assessments

A health risk assessment is a technique for determining the presence of disease and estimating the risk that someone with certain characteristics will develop disease within a given time span. It can be used by employers and their employees to identify people at risk and target specific strategies that will keep them well and also reduce health care costs.

Workplace Wellness: Keeping Your Healthy Employees Healthy

There is significant research and information suggesting recommendations for helping your employees get into shape, eat right, exercise and stop smoking. Read this article to find out how you can help employees who already lead healthy lifestyles remain healthy for the long-term.

Workplace Wellness: Low-Cost Resources for Small Businesses

This document provides wellness program resources such as program surveys, health risk appraisals, nutritional strategies, tobacco cessation strategies, disease-specific resources and evaluation methods.

Workplace Wellness: Low-Cost Wellness Strategies

Workplace wellness programs that support employees and the environment they work in have been shown to be a good return on investment. They can be extensive and sometimes expensive. However, there are ways for small employers to make positive changes at little or no cost.

Workplace Wellness: Maintaining Motivation and Interest

Once an employer's wellness program is up and running, it is often difficult to maintain employee motivation and interest. This article provides some helpful tips that employers can use to maintain interest once their wellness program is implemented.

Workplace Wellness: Using Incentives in Wellness Programs

Incentives are about getting people to do things they would not generally do. This article explains why and how to incorporate incentives into your wellness program.

Workplace Wellness: Wellness Environment Assessment

Employers who are implementing a wellness program should assess their wellness needs as one of the first steps. This article discusses the "why" and "how" behind a wellness environment assessment.

Workplace Wellness: Why Promote Wellness?

An article that discusses why it pays for employers to implement and encourage wellness in the workplace.

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