According to American author William Arthur Ward, “A warm smile is the universal language of kindness.” Smiling is something we do instinctively as infants and something we carry with us all throughout our lives. Unfortunately for some, their smiles may not prove to be as warm and welcoming as they would hope. Problems such as …
When was the last time you thought about what would happen to your family if you suddenly couldn’t work? If you have to think about it, then chances are, it’s been a while. The simple truth is that one out of every four workers will be diagnosed with a long-term disability before they reach the …
The U.S. unemployment rate is now at its lowest levels since 1969. This strengthening of the American job market has given many workers the confidence to reassess their employment situations in a way that they may not have felt comfortable doing ten years ago. Employers are realizing that it is becoming harder to attract top …
Despite best efforts on behalf of businesses and consumers alike, cases of identity theft and fraud have continued to rise. In 2017 alone, an estimated 16.7 million individuals had their identities compromised, up 1.3 million from 2016 and 3.6 million from 2015, according to the 2018 Identity Fraud Study conducted by Javelin Strategy & Research. …
Whether talking about a good book, a movie, or their own lives, no one ever likes to think about the end. But there comes a point in our lives when we start to consider the one thing we love to think about: our families. The simple truth is that your family has come to depend …
As group health insurance costs continue to increase, many employers are looking for new, creative ways to save money while still providing their employees with coverage. Reference Based Pricing Reference Based Pricing is a rapidly growing strategy that a number of employers are using to save money on group health insurance costs. This technique gives …
According to the 2017-2018 National Pet Owners Survey, 68% of U.S. households (about 85 million families) own a pet. This number is up a whopping 56% since the first survey conducted in 1988 and has led to a steady increase in the amount of money people are spending to keep their pets happy and healthy. …
The next official ACA Open Enrollment period isn’t slated to begin until November 1, 2019. But depending on your circumstances, you may not have to wait that long to obtain coverage. Qualifying Life Events and Special Enrollment Periods Sometimes our circumstances change, and if they change due to specific events, you and your dependents may …
Below are the important dates for 2019 Open Enrollment. If you need coverage before January 1, 2019, you can still view and shop for 2018 plans.
Over the past ten years, Health Insurance has been a hot-topic issue in political arenas and dinner tables alike all throughout the country. From navigating the Affordable Care Act (ACA) regulations and compliance details to researching the available insurance offerings themselves, individuals all over are trying to find the best plan benefits for their budget. …