Like financial identity theft, medical identity theft can leave you responsible for bills you did not incur. But unlike other types of identity theft, it can also affect your medical records, jeopardizing your health. It could even jeopardize your health insurance coverage.
Medical identity theft occurs when another person uses your identity or insurance information to obtain medical services. Since the U.S. Department of Health and Human Services started keeping records in 2009, between 27.8 and 67.7 million Americans have had their medical records breached. Continue reading “Avoiding Medical Identity Theft”
You found Great-Grandpa’s life insurance policy in an old trunk? Don’t throw it out!
Unlike many types of insurance, most life insurance policies don’t have claim-filing deadlines. You can file a claim many years after the insured has died and the insurer should pay the policy’s face value, as long as the policy was in force (paid up and not expired) at the time of death. Continue reading “Old Life Insurance Policies Could Have Value”
When your business must close or suffers a disruption due to any kind of natural or man-made cause, a good business continuity plan can ensure it can survive until repairs are made and operations return to normal.
If a facility is damaged, production machinery breaks down, a supplier fails to deliver or information technology is disrupted, Continue reading “How to Develop a Business Continuity Plan”
Life insurance is the backbone of a family’s financial plan, but misconceptions abound. A voluntary benefit specialist who is available at enrollments can educate your employees about this important financial tool.
Continue reading “7 Myths of Life Insurance”
For years you’ve been encouraging your employees to save for retirement. But what about other savings programs? The growing popularity of 529 College Savings Plans provides employers the chance to offer employees a valuable benefit at virtually no cost.
529 College Savings Plans are education savings plans designed to help families set aside funds for future college costs. Named after section 529 of the tax code, these plans are generally sponsored by individual states. Continue reading “529 Savings Plans: Great Benefit at a Low Cost”
Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter.
Continue reading “What to Do in a Policy Review”
When it comes to complying with provisions of the Immigration Reform and Control Act (IRCA), you may find yourself forced into two roles seemingly at odds with each other — verifying the employment of every employee while at the same time avoiding discriminatory practices. To help you walk the tightrope, here are nine common IRCA mistakes and solutions to help you avoid them: Continue reading “How to Avoid (and Costly) Immigration Mistakes”
Every organization’s business plan should include a section on risk management. If your business plan doesn’t address your risks, take a look at the following areas to start. Continue reading “Risk Management for Small Business”
A study published in the Journal of Occupational and Environmental Medicine found that nearly 40 percent of U.S. workers experience fatigue. Why should employers care?
Continue reading “The Cost of Fatigue”