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There's a LOT to know about insurance. So, whether you've got a specific question or just want the 411 on what we do, click around on the articles below.
5 Alternatives to Unhealthy Coping Mechanisms
When times get tough, it can be instinct to look for a coping mechanism. Coping mechanisms can help people feel like they’re escaping reality by relieving stress or being able to distract their minds. While this is a normal feeling, it becomes a problem when one turns to unhealthy coping mechanisms, which can be harmful in the long run.
How the End of the COVID-19 Emergency Periods Will Impact Health Plans
The Biden Administration has announced its plan to end the COVID-19 national emergency and public health emergency (PHE) on May 11, 2023. Employer-sponsored health plans have been required to comply with certain coverage requirements during the COVID-19 emergency periods.
Benefits + Me | February
Health care advocacy group Medical Billing Advocates of America estimates that up to 80% of all medical bills have errors. While working with high patient influxes and various medical codes, it’s easy for billing mistakes to happen. As such, it’s crucial to look over your bill thoroughly to help save money.
SAMHSA Report Reveals Americans’ Mental Health and Substance Use Struggles
The U.S. Department of Health and Human Services’ (HHS) Substance Abuse and Mental Health Services Administration (SAMHSA) released the results of its annual National Survey on Drug Use and Health. The survey asks Americans about their experiences with mental health conditions, substance use and pursuit of treatment.
Live Well, Work Well | February 2023
Some people wake up ready to take on the day, while others may need more time or a cup of coffee to start their day. Regardless of which camp you’re in, there’s an art and a science to waking up refreshed in the morning. Unfortunately, many fall short when it comes to getting enough sleep.
Personal Protective Equipment Considerations for Women
Historically, the construction industry has largely been a male-dominated field. In fact, according to the U.S. Bureau of Labor Statistics, women currently account for just 10.3% of those employed within the sector—a statistic that has been relatively steady for much of the past two decades.
Union Membership Rates Decreased in 2022, BLS Reports
According to the U.S. Bureau of Labor Statics (BLS), the rate of labor union membership decreased from 10.3% in 2021 to 10.1% in 2022. The 2022 unionization rate is the lowest since the BLS started tracking comparable union data in 1983.
House of Worship Insurance Trends for 2023
Over the past few years, the COVID-19 pandemic, international crises and natural disasters have greatly changed the economy and how businesses operate. As 2023 begins, evolving insurance underwriting trends will likely affect many types of organizations, including houses of worship.
Manufacturing Risk Advisor | Frequently Cited OSHA Standards 2022
OSHA keeps records not only of the most frequently cited standards overall but also within particular industries for each fiscal year. Understanding these standards and taking proactive steps to avoid violations can go a long way toward ensuring workplace safety.
OSHA Issues New Penalty Enforcement Guidance
On Jan. 26, 2023, OSHA announced it issued new enforcement guidance making its penalties more effective to stop employers from repeatedly exposing workers to life-threatening hazards or failing to comply with workplace safety and health requirements.
Curbing Productivity Paranoia
Since the outset of the COVID-19 pandemic, employers have embraced remote and hybrid work models, with many deciding to forego returning to fully in-person work arrangements even as lockdown orders lifted and offices reopened. This suggests that employees have been able to remain productive in remote and hybrid environments.
Why Dental Benefits are Crucial for Your Overall Wellbeing
Selecting and utilizing dental benefits is crucial because the condition of your teeth and gums significantly impacts your overall health. Proper oral health care can help prevent oral infections, tooth decay, gum disease, and other conditions. Not only does good oral health support your teeth and gums, but your overall health and well-being.
Amazon Launches Subscription-based Prescription Drug Service
On Jan. 24, Amazon announced a new Prime membership benefit from Amazon Pharmacy. RxPass will be available only as a subscription service for customers who have Amazon Prime memberships. For $5 a month, people can fill as many prescriptions as they need from a list of roughly 50 generic medications. The fee would be out of pocket and in addition to an Amazon Prime membership fee.
Executive Risk Newsletter | Q1 2023
Directors and officers (D&O) insurance provides corporate directors and officers with coverage for managerial decisions that negatively impact the company. This insurance may generally cover legal fees, settlements, and other costs related to their defense.
Commercial Risk Advisor | January 2023
The number of product recalls reached a 20-year high in the third quarter of 2022, according to the U.S. product recall index released by Sedgwick Claims Services Management Inc. Across the five industries tracked in the index, 1.22 billion product units have been involved in recalls, up from the previous record set in 2018 of 1.20 billion.
Trucking Risk Advisor | January 2023
Federal Motor Carrier Safety Administration (FMCSA) roadside inspections are examinations of commercial motor vehicles (CMVs) and drivers by Motor Carrier Safety Assistance Program (MCSAP) inspectors. MCSAP inspectors conduct roadside inspections to ensure compliance with the Federal Motor Carrier Safety Regulations and Hazardous Materials Regulations.
6 Key Employee Benefits Trends for 2023
Over the last few years, almost every aspect of the workplace has changed, leading to many unforeseen challenges. Unfortunately, many of the challenges that plagued workplaces in 2022 will likely continue in 2023 and beyond. In particular, current labor challenges are forcing employers to find ways to balance rising costs and inflation while providing employees with benefits they value and need.
Safety Focus | January 2023
Quick and efficient snow removal is essential at any workplace, as snow buildup can present hazards to employees, drivers and pedestrians. That’s where snowplows can help. Yet, this equipment carries safety risks of its own.
California Storms Result in Estimated $30 Billion in Losses
California’s Pacific storms—known as atmospheric rivers—have resulted in more than $30 billion in damages and economic losses since Dec. 2022, according to AccuWeather Inc. Major flooding, widespread power outages, landslides, fallen trees and road closures have cost between $31 billion and $34 billion in economic impact.
Construction Risk Advisor | January 2023
Each fiscal year, OSHA keeps records on the most frequently cited standards stemming from worksite inspections. The latest records outline the top 10 standards cited during fiscal year 2022 (Oct. 1, 2021, through Sept. 30, 2022) and the total number of violations for each standard.