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Relying solely upon employee benefits will economically cripple an individual if that person were to suffer a total disability due to illness or injury before retirement.  Consider an employee with the following benefits: Group LTD – 60% of income to $5,000 per month Group Life/AD&D – benef…Read More

On May 8, 2013, the Department of Labor (DOL) provided temporary guidance and model notices that employers can use to inform their employees about the Exchanges, which will be available January 1, 2014. Please note that the Department of Health and Human Services (HHS) now calls the Exchange the “…Read More

Small-business advocates are pushing back against Obama Administration plans to delay by one year offering health insurance plans through government-run marketplaces. Initially, the idea was to get the so-called exchanges a big part of the nation’s health care reforms, to begin providing a choice …Read More