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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.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

Supporting Employees During Mental Health Awareness Month and Beyond

Employee mental health has become a workplace topic of increased focus and awareness in recent years. An employee’s mental health includes how they think, feel and act, and their emotional and social well-being. While mental health includes mental illness, these two concepts aren’t interchangeable. For example, an employee can go through a period of poor mental health but not necessarily have a diagnosable mental illness.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

Engaging Employees During the Great Disconnect

Employee engagement is the commitment an employee has to an organization and its’ goals. Employee engagement is crucial for an organization to perform at peak productivity and keep employees satisfied. Prioritizing employee engagement can help employers facilitate organizational growth and meet workers’ ever-changing desires to attract and retain employees.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

Embracing Neurodiversity in the Workplace

The concept of neurodiversity isn’t new, but it’s been gaining mainstream traction in recent years. In 1998, Australian sociologist Judy Singer coined the term “neurodiversity” to recognize that everyone’s brain develops uniquely. Neurodiversity refers to diversity in the human brain and cognition, such as sociability, learning, attention, mood and other mental functions.

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Health + Wellness, Personal Lines Megan Henderson Health + Wellness, Personal Lines Megan Henderson

Understanding Neurodiversity

Neurodiversity isn’t new, but awareness of it has been gaining mainstream traction in recent years. In 1998, Australian sociologist Judy Singer coined the term “neurodiversity” to recognize that everyone’s brain develops uniquely. Neurodiversity refers to diversity in the human brain and cognitive functions, such as thinking, learning and behaving.

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Employee Benefits, Personal Lines Megan Henderson Employee Benefits, Personal Lines Megan Henderson

Report: Fills for Mental Health Prescription Drugs Remain High After Increase During COVID-19

Fills for depression and anxiety medications increased between 2019 and 2022, according to recent research from health care platform GoodRx. Specifically, treatment for mental health conditions has increased significantly since the start of the COVID-19 pandemic. The increase in depression and anxiety medication fills occurred in 43 out of 50 states.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

A Primer for Employers on Medicare Coordination of Benefits

When a plan participant or beneficiary has Medicare and other health insurance, such as group health plan insurance, retiree coverage or Medicaid, there can often be confusion as to which insurance pays first on claims. Coordination of benefits (COB) rules, which are specified in plan documents or insurance policies, decide which insurance pays first.

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Health + Wellness, Personal Lines Megan Henderson Health + Wellness, Personal Lines Megan Henderson

Live Well, Work Well | May 2023

Mental Health Awareness Month, observed every May, is a time to raise awareness and break the stigma about mental health, and support people with mental illness. In fact, more than half of adults in the United States will be diagnosed with a mental illness—a variety of conditions that affect one’s mood, behavior, feelings or thinking—at some point in their life.

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Health + Wellness, Personal Lines Megan Henderson Health + Wellness, Personal Lines Megan Henderson

Alternatives to Opioids for Pain Relief

If pain management is one of your primary health concerns, you’ve probably talked with your doctor about pain relief methods. Chronic pain affects more than 100 million people in the United States, according to the National Academy of Medicine. Many chronic pain patients are prescribed opioids to help manage the pain, but due to the potential for misuse, doctors are leaning toward alternatives for pain management.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Mobile Device Security Threats and How to Prevent Them

Mobile malware—malicious software designed to gain access to private data on mobile devices—is a growing threat to companies’ cybersecurity. As companies embrace remote work and more employees use their personal devices for work-related tasks, cybercriminals are finding more opportunities to exploit these vulnerable and often unsecured devices to access corporate servers and sensitive information.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

Pros and Cons of Outsourcing HR Functions for Small Businesses

Small businesses often have fewer resources than larger ones, potentially making it more efficient to outsource certain functions rather than keep them in-house. Certain functions of an organization’s HR operations are common options for outsourcing. According to a study by staffing agency Kelly Services, 36% of all employers outsource part or all of their HR responsibilities, with the most outsourced functions being payroll (56%), recruitment (49%) and benefits (40%).

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Employee Benefits, Personal Lines Megan Henderson Employee Benefits, Personal Lines Megan Henderson

Over Half of U.S. Private-sector Workers Are Enrolled in HDHPs

More than half (55.7%) of American private-sector workers were enrolled in high deductible health plans (HDHPs) in 2021, according to the Kaiser Family Foundation’s recent 2022 Employer Health Benefits Survey. The 5.3% increase from 2020 is the highest on record, and 2021 is the eighth straight year an increase has occurred.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

New York Parking Garage Collapse Kills One and Injures Several Others

On April 18, 2023, a four-story parking garage collapsed in lower Manhattan, New York, killing one person, injuring seven others and crushing several cars. While the cause of the incident is currently unknown, city officials are investigating the weight of the vehicles on the structure’s roof and the age of the building as the main reasons behind the collapse.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

Lifestyle Spending Accounts

Many workers are paying greater attention to their benefits and wondering how to stretch their dollars further. While many employers are familiar with health savings accounts (HSAs) and flexible spending accounts (FSAs), lifestyle spending accounts (LSAs) are an emerging benefit that can provide flexible and personalized support to employees.

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Employee Benefits, Personal Lines Megan Henderson Employee Benefits, Personal Lines Megan Henderson

Study: Retirees Will Need Six-figure Savings to Cover Post-retirement Medicare Costs

A recent study conducted by the Employee Benefit Research Institute (EBRI) found that retirees will need to have hundreds of thousands of dollars in savings to cover Medicare costs. Such costs include premiums, deductibles and prescription drug expenses—essentially any costs that could be out-of-pocket for Medicare beneficiaries.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Experts Predict Slightly Below-average Hurricane Season in the Atlantic

For 2023, Colorado State University (CSU) hurricane researchers are predicting a slightly below-average Atlantic hurricane season, which runs from June 1 to Nov. 30. CSU researchers believe there will be 13 named storms throughout the year. This total sits below the average of 14.4 named storms per year recorded between 1981 and 2020.

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