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Common and Expensive Car Insurance Mistakes and How to Avoid Them
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When Can Medicate Cover Nursing Home Costs?
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Working Safely With Heavy Equipment
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If companies want to remain competitive and attract talent, they need to offer both good salaries and good benefits too. … Read more
When Investing in Life Insurance Makes Sense…
Life insurance is usually best purchased when you’re relatively young and healthy, although there are different kinds of life insurance … Read more
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It’s hard to know when to shop around for your home insurance, as there are no set guidelines in place … Read more
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Five Big Construction Site Hazards to Manage
Construction sites are inevitably dangerous places to work, housing a myriad of possible hazards and conditions which are conducive to … Read more
The Continued Shift To Consumer-Directed Health Care
Data shows that more and more employers are shifting toward consumer-directed health care, as employers offering a minimum of 1 … Read more
Being Heart Health at All Ages
Despite increases in medical technology and increased pushes for healthy lifestyles, heart disease remains the #1 killer in the United … Read more
Retirement Planning Mistakes You Need to Avoid
Retirement can seem like it’s lightyears away, but the decades can creep by faster than you might suspect. As a … Read more
Tackling Sexual Harassment – The Priorities for Creating a Safe Workplace in 2018
Sexual harassment is not a new topic amongst businesses, but it’s an incredibly important one. All men and women deserve … Read more
Take Control of Your Migraines by Changing What You Eat
Millions of people suffer from migraines on a regular basis. There are many reasons why the often-disabling event occurs, with … Read more
The Top Employee Benefit Trends You Need to Know About in 2018
2018 has seen the prediction of many employee benefit trends that it’s essential to know about, whether you’re an employee … Read more
Keeping Your Construction Workers Safe from Active Shooters – Top Strategies
Active shooter events are occurring on a far too regular basis. The average of active shooters was 6.4 per year … Read more
It’s Time to Put an End to Heat Stress in the Summer Workplace
Workers face a number of risks every day, but when summer rolls around, there are a whole new set of … Read more
Is It a Good Time to Retire? Retiring in 2018 or 2019
Retiring gives you the freedom to go out and pursue your dreams and finally have the time to really enjoy … Read more
Getting the Most Back from Your Health Insurance in 2018
It’s understandable that you want to get the best service possible from your health insurance. Thankfully, there are a number … Read more
Preventing Age Discrimination – The Importance of the Older Workers Benefit Protection Act
When a business has to lay off employees, for whatever reason, it’s essential that they give extra consideration to the … Read more
The Rising Risks of Construction Work
Working in construction has undergone a dramatic change over the last 60 years. Since the 1960s and 1970s, when safety … Read more
I Have An Injured Employee: What Are My Responsibilities?
As an employer, you may be responsible for replenishing lost wages if one of your employees suffers a job-related injury. … Read more
5 Ways to Eliminate Costly Employee Benefit Mistakes
Employee benefits can be costly for a small business, often increasing an employee’s base salary by as much as 40%. … Read more
Wellness Program Ideas Worth Leveraging
A healthy and happy workforce is key to controlling costs in the workplace. By reducing stress and emphasizing wellness, employees … Read more
For a Better Night’s Sleep, Do This
Did you get at least seven hours of top quality sleep last night? If your response is no, you’re not … Read more
Do You Need a Workplace Anti-Bullying Policy?
Workplace bullying is a growing concern in the U.S. 96 percent of American employees report having experienced work related intimidation … Read more
Carefully Designate Life Insurance Beneficiaries to Avoid Challenges
Many people get life insurance. And one of the biggest mistakes they make is in picking beneficiaries. You are free … Read more
The job market is tightening. Finding great workers is getting more difficult. Yet if you set age aside, there’s a … Read more
Do This When Workplace Accidents Happen
Office mishaps happen. They happen regularly and some are severe. OSHA requires employers to take all reasonable actions to protect … Read more
5 Tips for Saving Money on Employee Benefits
Employees’ loyalty is greatly enhanced when their employer offers them decent employee benefits. However, offering benefits can be a … Read more
Getting Health Insurance When You Retire
Those of us who have had lengthy careers with good employers have most likely never needed to worry about health … Read more
Top 10 Workplace Safety Guidelines
A safe workplace is a function of how the management and workers of an establishment adhere to and communicate safety … Read more
Preventing Future Auto Insurance Problems
Choosing the right insurance policy can be an excruciating process for many people, and they try as fast as possible … Read more
5 Insurance Tips to Help You Protect Your Small Business
According to statistics, there are 28 million small businesses in the United States, which account for 54% of all sales. … Read more
Tips for Building More Efficiently this Year
It’s shaping up to be a busy year for building. Already, construction companies and tradespeople are finding ways to stay … Read more
Businesses of All Sizes Should Think About Benefits
Benefits are for small businesses too. For many small business owners, benefits seem cost prohibitive. In the interest of short-term … Read more
WS – Managing Workplace Stress
Feeling a little frazzled at work? You’ve got company. Americans are dealing with increasing levels of stress in the workplace … Read more
Part-Time Jobs for Active Retirees
More people are working during retirement. For an increasing number of retirees, working a part-time job post-retirement is becoming the … Read more
Tips for Stretching Retirement Savings
A growing number of retirees are struggling to make ends meet. An estimate by the National Institute for Retirement Security … Read more
Place Safety First and Avoid Injuries in the Workplace
This past year, employees across the nation suffered debilitating injuries in the workplace. For many, injuries led to amputation and … Read more
5 Surprises About Retirement
Retirement is supposed to be a life of leisure, or at least so the commercials say. While retirement signals the … Read more
6 Steps to Take Following a Vehicle Collision
Vehicle collisions happen each day to drivers of all ages. They are part of life in big cities and small … Read more
Overcoming Digital Eyestrain
The modern world is damaging eyes. Prolonged exposure to computer screens, phones, tablets and other digital devices can damage vision. … Read more
7 Tips for Saving on Healthcare
Savings are always welcome, especially for seniors living on a retirement income. For annual healthcare spending, small savings can add … Read more
It’s Time to Get Tailored Construction Insurance
In the construction industry risk is inherent. Those able to assess and mitigate risk increase their chances for success. On … Read more
Disability Insurance as a Safety Net
People are natural optimists. For most unthinkable situations the general response is: “it can’t happen … Read more
Personal Auto Policy Voided Because of Business Driving
Entrepreneurs utilizing personal vehicles for business may want to consider extra insurance protection. Making deliveries and service calls with personal … Read more
Getting Your Prescriptions During a Disaster
During Hurricane Harvey thousands of rooftop evacuations were performed, some on live television. Those rescued took whatever they could grab … Read more
The Silica Standard Fully Enforced
Construction builders will want to hear this: OSHA’s Directorate of Enforcement Programs is getting serious about the silica standard. In … Read more
An Apple a Day…
There is something about fall and apples. Apple cider, apple pie, and the most fun of all: apple picking. Apples … Read more
Why Safety Issues Go Unreported
Most people go to work expecting a safe workplace. OSHA messages abound recommending safety tips and encouraging reporting of safety … Read more
Coping With Age Bias When Looking For a Job
For adults on the job hunt, age presents a challenge. Switching careers and re-entering the workforce are challenges enough to … Read more
The War For Talent is Entering New Territory
Perks are a hot topic for people in the workforce. It’s true that job security and high income always rank … Read more
Always Work With a Net
Entrepreneurs spin a lot of plates. Gathering licenses, building inventory, and engaging potential vendors are several of many things involved … Read more
Are You a Parent? 5 Things to Know About Life Insurance Now
Parents want the best for their children. Creating a future for kids takes effort and for single parents, the responsibilities … Read more
Supervisors Are Responsible for Safety
Supervisors have a lot to keep track of. Management means more than assigning work. Managers maintain a list of responsibilities … Read more
Making Workers Safe With Guardrails
Construction sites are active environments. Active transfer of people and materials creates the potential for anything to happen. Site safety … Read more
Education Benefits Pay Dividends
Student debt creates challenges for persons in the workforce. Employees saddled by debt may change positions often, looking for better … Read more
The recent shooting in Vegas is a grim reminder: active shooter scenarios occur all too often. According to the Department … Read more
Special Considerations For Women Ready to Retire
Women have more to think about planning for retirement. On average women live longer lifespans than men. Men reaching age … Read more
Investing Via Life Insurance?
Life insurance policies exist to provide a layer of financial security for the beneficiaries left behind. Policies are generally built … Read more
Building and construction managers know the importance of an effective workforce. In the trades, time is money. Businesses that want … Read more
In 2018, Medicare Premiums Likely to Decline
For the first time in five years monthly Medicare costs are expected to go down. Prescription drug coverage under Medicare … Read more
Offering Attractive Benefits Means Incorporating Financial Wellness
Employees want more than a job, they want financial security and well-being. Benefits are a big concern for employees and … Read more
Building a Home or Remodeling Get Builders Risk!
Nearly every homeowner insures their home against fire, burglary, and the usual risks. The catch? Often, their insurance only … Read more
Have a Student Loan Consider Life Insurance!
Many recent graduates are usually weighed down by thousands in college loans. In fact, about 40% of students usually owe … Read more
Substance Abuse in Construction on The Rise
Construction sites might not be as safe as you think! A recent Substance Abuse and Mental Wellness Services Management survey … Read more
What Women Ignore May Kill Them
When catching up on women’s health don’t fall behind on cardiovascular disease. Too often, women and their doctors ignore the … Read more
Workplace Violence is On The Rise: What You Can Do
News of disgruntled employees seeking revenge against employers and coworkers is on the rise. More and more, employees use violence … Read more
Watch Out For This Before Renting Your Home
Many homeowners are making extra income renting their homes out short-term. Most don’t know the increased insurance risks this carries … Read more
Dealing With Stress at Work
Do you feel anxious and overwhelmed at your job? You’re not alone. In 2014, the Harvard T.H. Chan School of … Read more
Required Employee Benefits
Employee benefits are important to workers, their dependents, and their families. The benefits offered by your company can be a … Read more
Doctors Can Help With Prescription Costs
Most patients between 50 and 80 don’t talk to their doctor about their prescription costs. Most trust their doctor’s recommendation, … Read more
Adding a Teen Driver? Do This
Recent findings by experts in the insurance industry show that the cost of including a teen on a car insurance … Read more
Wages On The Rise Due to Competition
In the United States, studies have shown that the labor market continues to expand with more jobs available for the … Read more
Helping Construction Workers Beat The Heat
During the hot summer months, construction moves into overdrive. Workers in this industry are grateful for the work… and may … Read more
Small Businesses & Benefits: What You Need to Know
If you run a business with employees, employee benefits are a matter of major concern. Small, medium, or large company … Read more
Workplace Injuries Rise When Companies Under Financial Pressure
* At a steel mill located in Seguin, Texas, a worker suffered burns to an area greater than 60% of … Read more
Defend Against Dementia With These Lifestyle Changes
A newly released study shows a marked increase in deaths from Alzheimer’s disease. The number has jumped from 16.5 deaths … Read more
Offering Life Insurance As a Benefit is Becoming Popular
Employers are finding it increasingly advantageous to offer a life insurance benefit to their employees. It has immense value for … Read more
Dealing With Suspension Trauma
Envision this situation: A building employee is changing shingles on the roof covering of a two-story house 20 feet over … Read more
How Allowing Telecommuting Can Benefit Your Business
Innovation makes it much easier than ever before for your workers to be efficient while working from house or anywhere … Read more
Diesel Exhaust Dangers
Equipment that runs on diesel is quite common in a number of industries. This includes construction sites, mining, farming, maritime … Read more
Employee Benefits Technology Draws Better Talent
It’s extremely important for SMBs and startups to choose and employ benefit technologies for providing employees with the right benefit … Read more
What to Know About Safety & Legalized Pot
Because cannabis legalization is expanding across the United States, many companies are concerned about how to go about drug testing … Read more
Do You Need Disability Insurance?
Imagine for a minute that you run quite a bit as a part of your daily routine. You think you’re … Read more
Tracking Down Life Insurance of a Loved One
The Insurance policy Commissioner’s Office is trying to make it much easier for Georgians to track down as well as … Read more
The Grandparent Scam
American senior citizens have become the target of vicious scammers who pretend to be their grandchildren. One such victim is … Read more
The Hazards of Scaffolding
Structure scaffolding for work projects could provide many serious threats to employees. Inning accordance with OSHA, injuries connected to scaffolds … Read more
Keeping Active as a Senior
GRAND RAPIDS, MICH. – As we get older our bodies begin to slow down as well as obtain stiffer, so … Read more
Getting The Right Amount of Life Insurance
Life insurance is a valuable investment for your dependants or anyone you have chosen as a beneficiary. If you are … Read more
How to Keep Yourself Safe From Fraud
Your house is your castle and it is the number one target for fraudsters. Your house is one of the … Read more
Separating Truth From Fiction With Employees
Philip Maltin, who was discussing the ways of spotting liars at the Society for Human Resource Management’s Skill Monitoring Conference … Read more
Keeping Workers Safe From Fire Risk
Although most areas of the country have excellent fire departments, fires are still responsible for huge losses of jobs and … Read more
Giving Rewards to Increase Motivation
Recognizing an employee’s talent and rewarding them is a simple way to increase motivation. American Express recently conducted a survey … Read more
Dealing With Lead Exposure in Construction
Americans Surprising Agreement on Inclusion of Mental Health Benefit in Insurance
In the hot debate about healthcare in the U.S. there appears to be one common thread. Research shows that 77% … Read more
Skylights are Hazards Worth Protecting Against
Did you know that OSHA requires roofers and other construction workers to secure and protect skylights and open roofs? In … Read more
Why Having an Ergonomic Chair Matters
Consider your work chair. Is it comfortable and also supportive? Do you feel healthy being in it? Is it steady?… Read more
If You Are Older, A Little Extra Fat Can be a Good Thing
Yes, it’s true. There are buffets that can cause the most disciplined dieter to succumb to temptation. They entice us … Read more
It’s Only Concrete…
As a contractor, concrete is one of those materials that is worked with pretty often. It’s easy to forget that … Read more
So, how much insurance do you need for your new business?
Opening up shop? Wondering what kind of insurance coverage you might need? Chances are you’ll likely need to protect yourself. … Read more
Paid Family Leave a Standard Benefit?
Both left and right have suggested concepts for paid family leave. This is an outcome of the fact that most … Read more
Suddenly Becoming a Caregiver is a Shock
…They cared for you when you were young… but now your parents need your help.
…Your husband managed the bills… … Read more
“Shocking” Electrical Risks Lurk in Offices
When one thinks of places to run into electrical hazards, the office isn’t the first place that comes to mind. … Read more
Encouraging Healthy Eating in the Workplace Pays Dividends!
Have you thought about a workplace wellness program? They can be extremely helpful in creating a happy & healthy workforce. … Read more
Easy Workout Tips for The Young at Heart
Dwayne Johnson aka “The Rock” spends about 2 hours a day, six days a week just at the gym. That … Read more
Abrasive blowing: Manage the threats
Abrasive blasting is an important method in construction to handle a number of tasks: Preparing a surface for paint, applying … Read more
Ten of The Biggest Medicare Mistakes You Can Make
Medicare can be difficult to navigate for folks who are new to the system. More than 10,000 individuals find their … Read more
Watch Out For Being Over-Insured With These Handy Tips
Here’s one of the core things we help our clients with. Understanding how to minimize personal economic dangers via insurance … Read more
Why Paying Attention to Mental Health Pays Dividends for a Small Business
Here’s a surprising statistic. In 61% of all work places, anxiety is present in a big way. In turn, this … Read more
Brief Walks Are a Big Benefit to Workers That Sit All Day
Scientists at the University of Utah have submitted a study to the Clinical Journal of the American Society of Nephrology. In it … Read more
Reduce Workers Comp Claims! Insist on Safe Ladder Practices…
Ladders are a fundamental tool in construction. They are so commonplace it is easy to forget they are potentially hazardous. … Read more
Best of 2016: Health Tops Retirement in Financial Resolutions
Best of 2016: Is Your Industry Among Those with the Most Injuries?
Best of 2016: Even the Young and Healthy Need Health Insurance
While it’s true that health issues tend to multiply with age, even young people can find themselves in need of … Read more
Best of 2016: Are You Prepared for the DOL’s New Overtime Rule?
Can You Earn More When Your Job Schedule is Crammed?
Can you earn more when your job schedule is crammed with projects?
Remember when the economy was slow? Contractors tried … Read more
Insurance Coverage Linked to Cancer Survival Time
Two independent studies that looked at two different cancers came to similar stunning conclusions. Individuals with private insurance were found … Read more
Mitigate Your Exposure to ACA Penalties
While the current political landscape suggests changes may be looming for the Affordable Care Act, it is important to ensure … Read more
What Happens When Social Security Disagrees With You?
Did you know that you have rights to appeal decisions made by the Social Security Administration on your behalf? It’s … Read more
Using the Wallet to Healthy Change Stick
You feel like you’ve tried it all to get fit. You wear a device to monitor your sleep and your … Read more
How to Jump-Start Your Second Career
Whether you’ve been out of the workforce for a while due to caregiving duties, or are a retiree who craves … Read more
Factors that Affect Homeowner’s Insurance Rates
Unlike motor vehicle insurance, homeowner’s insurance is not required by law. However, if you purchased your home with a mortgage, … Read more
Should You Install Electronic Door Locks?
Traditional house keys may soon go the way of rotary phones thanks to new lock technology. From fingerprint sensors to … Read more
OSHA Maximum Penalties Increased August 1
On August 1, the Occupational Safety and Health Administration (OSHA) increased the maximum assessed penalties for violations for the first … Read more
Taking the Guilt Out of Taking Time Off
Americans are notoriously bad at taking vacations. According to a study commissioned by Project: Time Off, 55 percent of workers … Read more
New Construction Workers at Higher Risk
According to the Bureau of Labor Statistics 2014 Census of Fatal Occupational Injuries, there were 874 fatal work injuries in … Read more
Outdoor work and lightning danger often go hand in hand. According to the National Weather Service, 34 percent of the … Read more
How do You Handle Mental Health Issues at Work?
Mental illness affects more of your workforce than you may realize. According to the National Alliance on Mental Illness , … Read more
Not Ready for Full Time Retirement? You Have Options
Full time retirement by the age of65 is no longer the tradition it once was. According to the Employee Benefit … Read more
Even the Young and Healthy Need Health Insurance
Essential Habits for a Better Night’s Sleep
Did you get at least seven hours of quality sleep last night? If your answer is no, you’re not alone. … Read more
Tips to Protect Your Workers from the Zika Virus
Mosquito bites are downright annoying. Caused by a mild immune system reaction to proteins in the saliva of female mosquitos, … Read more
Cut Healthcare Costs without Cutting Benefits
According to PwC’s Health Research Institute, medical costs in the U.S. will increase 6.5 percent in 2016. Benefit plan … Read more
New Injury Reporting Requirement Serves Its Purpose
As of January 1, 2015, the Occupational Safety and Health Administration (OSHA) has required employers to report severe work-related injuries—such … Read more
Protecting Construction Workers from Unexpected Falling and Flying Objects
UFOs are a daily danger for construction workers, though we’re not talking about visitors from other planets. According to the … Read more
Is Your Home Over- or Under-Insured?
Shoes that are too tight can hurt your feet. Pants that are too loose will fall down. Whatever clothing you’re … Read more
Have You Discussed End-of-Life Care with Your Family?
Some topics are understandably difficult to broach, from telling your boss she has broccoli in her teeth to educating your … Read more
Seven Ways to Save with Senior Discounts
Many Americans are financially unprepared for retirement. According to the Economic Policy Institute’s latest study , nearly 50 percent of … Read more
Aging’s Effects on Financial Decision Making
Graying hair, shrinking bones and weakening muscles are all natural side effects of the aging process. But did you know … Read more
Proposed EEOC Pay Reporting Rules
Each year the Equal Employment Opportunity Commission (EEOC) collects data on the race, ethnicity, sex and job category of private … Read more
OSHA Restrooms and Sanitation Requirements
According to some estimates, as many as 700,000 U.S. adults are transgender—meaning they identify as a gender that is different … Read more
Pros and Cons of Employee Feedback Surveys
Every business owner knows it’s important to give his or her employees feedback regularly. In fact, doing so can reduce … Read more
Are Your Office Workers Practicing Proper Ergonomics?
Does your team complain about neck or back pain? Do you often have employees out sick due to headaches? According … Read more
Wrap-Up (Consolidated) Insurance Basics
If you’re a construction business owner, you know you need to have insurance in place to protect you from financial … Read more
Insurance Coverage as Your Car Ages
In order to legally operate your motor vehicle in the U.S., you must have a car insurance policy in place. … Read more
Preventing Violence in the Workplace
Last September, the Bureau of Labor Statistics released the preliminary results of the 2014 National Census of Fatal Occupational Injuries. … Read more
Are You Providing the Benefits Your Female Workforce Wants?
The number of women working in American businesses is continually increasing. According to data from the Bureau of Labor Statistics … Read more
Prevent Common Household Leaks
It’s no secret that household water leaks are bad for the environment. According to the Environmental Protection Agency (EPA), … Read more
You Are Not Too Young for Life Insurance
According to the Centers for Disease Control and Prevention, there were 2,596,993 deaths in the U.S. in 2015. Leading … Read more
A Noisy Occupation: Protecting Construction Workers from Hearing Loss
According to the Occupational Safety and Health Administration (OSHA), 30 million people in the U.S. encounter hazardous noise levels on … Read more
Workplace Illnesses and Injuries Continue to Decline
The Bureau of Labor Statistics’ most recent Survey of Occupational Injuries and Illnesses was full of good news. Despite the … Read more
Eliminate Employee Training Mistakes
Do you include employee training and development in your benefits package? You should—research has revealed that workers consider such benefits … Read more
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