Disability Income Insurance Protects Your Most Valuable Asset

Most people don’t plan for a debilitating accident or illness during their working years. But three in 10 workers entering the work force today will become disabled before retiring. And only five percent of disabilities are work-related—meaning 95 percent of people with disabilities will not qualify for workers’ compensation benefits. Most of us know people…

What is ERISA?

The Employee Retirement Income Security Act of 1974 (“ERISA”) is a federal law that governs the structure of employer-sponsored group benefit plans. It applies to private employers and specifically excludes 1) government and church plans, 2) plans maintained outside the United States, and 3) plans maintained only to comply with worker’s compensation, unemployment compensation or…

The ACA and Temporary Workers

American businesses use more than 3 million temporary workers per day. How will the Affordable Care Act affect the use of temporary and leased workers? The Affordable Care Act (ACA) will require employers with 100 or more full-time equivalent employees to offer them “affordable” health insurance starting in 2015 or pay a penalty. Employers with…