Healthcare, Trumpcare Won’t Lower Your Premium

Experts have had 40+ years to solve it

It seems to me, the Americans suspended their worry about Healthcare premium hoping Trump and his experts will fix it. They won’t. The experts, right or left, can’t solve Healthcare because they refuse to examine their own practices. Experts always point to others to change instead of themselves. Sound harsh? Maybe it is, Continue reading “Healthcare, Trumpcare Won’t Lower Your Premium”

IRS Filing Relief Clarified

A Story About What It Takes To Get ACA Right

Once in a while, after thirty years of service to the benefits community, a question challenges me. Anyone who knows me knows, I love the detail and a challenge.

The unread 2,500 pages of ACA has been a challenge since the beginning and the question I received about it this time, made me dig for the right answer.

A friend and business owner asked, Continue reading “IRS Filing Relief Clarified”

Consumed by Money, Sex and Power?

Can we stop the nonsense about how to solve violence in the workplace?

Violence is a symptom of an American Culture that has been shaped by the momentum of the decades of the last century. Today, you might find yourself the victim of violence at work, home or in public. Do you avoid someone in the halls, elevators or public and work areas? Is the fashionably decorated workplace a disguise for a dark place where frustration, bullying, stress, expectations of doing more with less, nothing but rushing and hurrying, anger, exist instead of peace and joy and celebrating a job well done together?

There are many reasons for violence in the workplace but in this post, I’d like to make one comparison, what if we compare to an extreme opposite of violence in the workplace.  Continue reading “Consumed by Money, Sex and Power?”

Purchasing Stop-loss Insurance for your Self-funded Plan Requires An Expert

Consider the following questions:

Do you have an employee benefit plan that you self-fund?

Are you responsible for purchasing stop-loss coverage to protect your employer interests?

Is your broker experienced with hundreds of cases that provide you comfort they know what they’re doing?

Are you a broker who is trusted by a client but need an expert to help you keep that trust?

Is the person purchasing stop-loss for your business relying upon an inexperienced agent, broker, or consultant to make the right recommendation? Continue reading “Purchasing Stop-loss Insurance for your Self-funded Plan Requires An Expert”