Changing Careers and Health Insurance

Career Alley

And, although you might have an offer for a better position career-wise, it might not have the same health benefits as your current line of work. Employer-Based Health Insurance Statistics. When employers offer their workers’ health insurance coverage, it not only raises the caliber of employees applying for open positions, it also ensures a healthy, more productive workforce. Because of this, more and more employers are offering health insurance plans to their workers.

The Top 5 Small Business Health Insurance Options in 2019

Jobacle

Luckily, it’s still possible to find the right health insurance plans for employees as a small business. From traditional group insurance to self-funded insurance, there are still options for your business. If you’re a small business with under 50 employees, you likely know that you’re not legally required to provide health insurance to your employees under the Employer Mandate for Large Employers. Traditional Group Insurance. Self-Funded Insurance.

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Six Questions to Ask Your Insurance and Benefits Broker

Workology

Your company’s insurance and benefits offerings are the second largest company employee expense outside of your employee payroll expense. At the center of this second largest company expense sits your insurance broker who has the ability to impact your organization at a very large scale. Your insurance programs, total rewards and work perks directly impact the following: Employee turnover and retention numbers. What is An Insurance Broker?

Benefiting from Benefits

Career Alley

Searching for the right career isn’t just about finding a job that you are suited to – it’s also about finding an environment that suits you, an organization that suits you, and benefits that suit you. When it comes to benefits, what you can expect will generally depend on your level of experience and your chosen field of work. Many organizations realize that in order to attract a higher standard of employee, it is essential to provide a higher standard of employee benefits.

What Working Women Should Know About Disability Benefits

Ms. Career Girl

Disability Benefits. Should this happen and they be at least temporarily unable to work, women can find financial and healthcare support through Social Security Disability Insurance (SSDI), a federal benefit through which approved applicants can receive income during their recovery. However, the majority of people receiving SSDI aren’t content with a future of living on benefits for the rest of their lives.

Private Health Insurance for Every Woman

Ms. Career Girl

A lot of discussion has been held recently about the cost and availability of health insurance for workers. In the US, employers with over fifty staff are now legally required to provide health insurance for their employees, but that still leaves out a great deal of people, including a good portion of you, our readership. For US citizens, these plans are the ones you will find in the Health Insurance Marketplace as part of the roll-out of the Affordable Care Act.

How to Fight Unemployment Insurance Benefit Hearings

Workology

For a list of unemployment benefit amount by state and other UI resources, click here. . Our economy is strong, however, unemployment insurance remains a cost that employers and businesses should evaluate and understand in order to remain profitable and growing. The History of Unemployment Benefits. Six other states followed suit before the first federal unemployment insurance program was created as part of the Social Security Act of 1935.

Insurance Hopping is the New Black

Workology

Tags: Bloggging HR benefit reform benefits COBRA employee turnover healthcare benefits healthcare reform human resources insurance insurance hopping SHRM

Your Employer's Group Health Insurance: Did They Make A Wise Choice?

Jobacle

Getting quality heath insurance from your employer's benefit plans covers your health and gives you and your family a lot of piece of mind as far as your health is concerned. A group health insurance makes for an excellent idea for employers to lure in potential talent. Group health insurance plan is a lot cheaper as opposed to a single person health insurance policy since the premium cost is stretched across all of your fellow employees.

“Can my employer reduce benefits without any limit?”

Sklover Working Wisdom

Question: About ten days ago, without notice, my employer sent out an email to all employees telling us that, effective immediately, our health insurance will cost us more, our 401k contributions will be cut in half, and if we are laid off, our severance will be eliminated – entirely. These benefits were part of the reason I took this job. Regarding employers and employees, and employment benefits, this is how it goes: 1.

Ep 71 – Importance of Compliance with Employers Insurance Benefits

Workology

The topic of compliance in employer benefits is of growing importance, due in part to the new reporting requirements under the Affordable Care Act, and because several benefit administration companies have recently been questioned about reporting, licensing and compliance issues. Episode 71: Navigating the Changing World of Employers Insurance Benefits, Programs and Brokers. Company insurance and benefit brokers often get a bad rap.

Quick Tips on Choosing Affordable Health Insurance

Ms. Career Girl

Perhaps the most important decision we make as a consumer is which health insurance to buy to protect our bodies and wallets from accidents and emergencies. However, choosing an affordable health insurer is easier than ever if you know where to look, and how to do it. Below are 6 smart tips in choosing an affordable health insurance. There are places with more affordable insurance than others. The money deposited into an HSA goes in tax free, which is another benefit.

Unknown Job Benefits and Perks – Are You Missing Out on Any?

Sklover Working Wisdom

“ Once you get that two-way energy thing going, everyone benefits hugely.”. So employers came up with the idea of “job benefits” in an effort to attract and retain employees. That is how employer-provided health insurance, disability insurance, life insurance, paid vacation days and retirement benefits, just to name a few, came to be commonly expected employment “benefits.”. P.S.: Want a Benefit or Better Benefit?

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Is it a mistake to leave a consulting job for a job just to get health insurance?

Careers Done Write

My husband was laid off and we will be without health insurance when our COBRA coverage expires in 3 months. If I take work as a barista at a coffee shop, they will provide full health benefits. This is a $25,600 annual benefit to my family of 5. We can’t buy insurance for our family outside a group for a lower price and to match that price the benefits would be much lower. With the extra hours, could you pay the insurance? *

Malouf Employees Can Rest Easy With Great Benefits Package

Career Realism

The Utah-based bedding and furniture manufacturer honors that belief by offering a strong benefits package to not only make Malouf an attractive place for new talent, but to build camaraderie among current employees, making them want to stay with the company over the long-term. While the company's employee benefits package is only one piece of the puzzle, it's a large piece. The company also offers a $35,000 life insurance policy, long-term disability, and a fully vested 401(k). "We

it’s time to close the life insurance gender gap

Ask a Manager

This post, it’s time to close the life insurance gender gap , was originally published by Alison Green on Ask a Manager. And now a word from a sponsor… You probably know about the gender pay gap – but did you know there’s a gender gap on life insurance too?

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3 Benefits Your Employees Actually Want

Evil HR Lady

Employer benefits used to be straightforward — provide health care, dental care and a retirement plan and you were pretty much done. Of course, solid health insurance and a retirement plan are unlikely to go out of style. But there are several less conventional benefits that are rising stars, according to the Society for Human Resource Management (SHRM). To keep reading, click here: 3 Benefits Your Employees Actually Want.

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Income Protection Insurance: Does it Cover Redundancy?

Workology

While many insurance providers in other countries such as the United States and United Kingdom offer redundancy cover as part of their income protection plans, most Australian insurers do not. Income protection insurance in Australia is designed to benefit policyholders who are unable to work due to illness or injury, not redundancy. What does income protection insurance cover?

Understanding Domestic Partner Benefits

Workology

companies offered domestic partner insurance coverage. In four years, the number of companies with domestic partner benefits has essentially almost doubled. companies offer domestic partner benefits. From 2008 to 2010, the percentage of medium-sized companies (those with 500-4999 employees) that offered these benefits only grew by five points (From 32 percent to 37 percent). Not your average benefits. companies offered domestic partner insurance coverage.

an expert on how to get what you need from your health insurance

Ask a Manager

This post, an expert on how to get what you need from your health insurance , was originally published by Alison Green on Ask a Manager. Call your insurance company. What’s the deal with insurers denying things they say aren’t medical necessary when they clearly are?

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Should I Ask About Benefits During an Interview?

Career Alley

You’ve got a list in your head of everything you’ll do: Smile, sit up straight, highlight your strengths and… ask about salary and benefits? Because benefits can comprise up to 30 percent of your compensation, and because your salary is also extremely important (nobody wants to work for free), it might seem pertinent in your first interview with a prospective employer to ask about health care benefits and salary. Some companies are going to offer better benefits than others.

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The Benefits of Employee Assistance Programs

Evil HR Lady

Every employer knows that employees want health insurance and a retirement plan, but employee assistance programs are also very important, even if you’ve never heard of them. To keep reading, click here: The Benefits of Employee Assistance Programs. The post The Benefits of Employee Assistance Programs appeared first on Evil HR Lady.

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Take Advantage of Your Employee Benefits!

Ms. Career Girl

I’ve noticed that a lot of my female co-workers and friends avoid taking advantage of their employee benefits simply because they are overwhelmed or don’t understand them. the other day, a female co-worker commented that she doesn’t “get involved in those types of employee benefit problems, they are just too hard to understand!” . . Since this is a topic that I think is very important, yet potentially boring for some, I will periodically blog about one benefit at a time.

NLP in Insurance Trends And Current Application

Imarticus Learning

Today the insurance industry is on the disrupt cusp having embraced NLP, text analysis and AI just like the customer-service and legal industries. The large volumes of data generated by insurance companies with their various products, a large number of marketing channels, a massive customer database, and a spread of market over diverse geographies is astounding. Benefits of NLP to the Insurance industry: Some of the accruing benefits are.

10 Tax-Free Fringe Benefits (i.e., “Perks”)

Sklover Working Wisdom

Instead, many employers are offering tax-free fringe benefits (“perquisites,” or more commonly, “perks,” for short.), instead, either by offering them to certain individuals who are deemed particularly deserving of them, or to all employees in a structured fringe benefit plan. Indeed, the amount of tax-free benefit under several of these benefits changes from year to year.) At $365 a month, that comes to a potential tax-free benefit of $4,380 a year.

Employment Benefits: Negotiating For Life Insurance As Part Of Your Salary

Career Realism

There are several solid reasons to include life insurance into your overall strategy for negotiating your salary package. Reasons to negotiate for life insurance coverage at your job: Life insurance is more than just a vehicle to gain a death benefit payout from. Obtaining and maintaining the maximum feasible level of life insurance is an integral element of your comprehensive financial portfolio. personal-life-insurance.

Should I Ask About Benefits During an Interview?

Career Alley

Kevin Murphy is a freelance writer and former insurance industry professional. He spends most of his time in his native Australia, and he writes about Health Insurance for Frank Health Insurance. You’ve got a list in your head of everything you’ll do: Smile, sit up straight, highlight your strengths and… ask about salary and benefits? Some companies are going to offer better benefits than others. Not all companies will offer benefits.

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Creative Approaches to Benefits for Your Small Business

Workology

When we hear the word benefits, the first thing that usually comes to mind is insurance. After covering the cost of insurance, companies may have a hard time thinking of adding anything else to their benefits package—especially if they are a small business. While a small business may not be able to provide on-site perks that larger companies can, there are ways to boost a benefits package beyond basic insurance. Benefits need not be expensive or big.

The Changing Landscape Of Workplace Benefits

Career Realism

For many years, employees just expected the standard workforce benefits package (health/dental insurance, retirement, paid time off/sick time, etc.). But as the world changes, so do the benefits desired by employees. In MetLife's 17th Annual Employee Benefit Trends Study , it's noted that three in 10 employees would trade a higher salary for better benefits. Some employers have already recognized this need and have adjusted their benefit packages accordingly.

Take Advantage of Your Employee Benefits!

Ms. Career Girl

I’ve noticed that a lot of my female co-workers and friends avoid taking advantage of their employee benefits simply because they are overwhelmed or don’t understand them. the other day, a female co-worker commented that she doesn’t “get involved in those types of employee benefit problems, they are just too hard to understand!” . . Since this is a topic that I think is very important, yet potentially boring for some, I will periodically blog about one benefit at a time.

Benefits Enrollment: How Young Professionals Can Enroll With Confidence

Career Realism

Benefits Enrollment: How Young Professionals Can Enroll With Confidence. It’s benefits enrollment season! As a young professional, are you confident that you can identify the right health care benefits for your lifestyle? Or does the thought of choosing your benefits completely overwhelm you? However, only 19% of the young adults surveyed said they felt confident when it came to selecting health care benefits, and only 31% said they felt prepared.*.

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5 Cost-Effective Employee Benefits to Complement Your Health Plan

Evil HR Lady

A strong benefits package is one of the most effective ways to bring in talent and keep your best employees where you want them — that is, at your business, helping your bottom line. Some benefits are more attractive than others, of course. Almost 90 percent of job applicants say they would consider accepting a lower salary for better health benefits. Some benefits are more attractive than others, of course.

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Bringing a Health Insurance Broker to Your Office: Is It Worth It?

Evil HR Lady

Being a health insurance broker is all about plans and numbers and sales calls, so you might not think about inviting your broker to explain benefits to your employees. Understanding what insurance you need and how your insurance works can cut down the amount of time you have to take away from work to handle health care. Bringing in a health insurance broker can help you help your employees.

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“If my company is sold, can I collect unemployment insurance.

Sklover Working Wisdom

Blog » “If my company is sold, can I collect unemployment insurance benefits?” “If If my company is sold, can I collect unemployment insurance benefits?” Rather, the primary determinant of eligibility for unemployment benefits is whether or not a job is available to the employee. Benefits, Pensions and Perq’s H. Unemployment Benefits AA.

Great Benefits to Attract Workers

Corn on the Job

Medical Insurance. On top of salary, people want to have amazing benefits when working. One of the most expensive things in society is health insurance. Health insurance is something that can be a lot of money for a single person.

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Retaining Your Employees Through Great Benefits

Evil HR Lady

However, more and more companies are starting to use benefits as a core employee retention strategy. How Important are Benefits to Employees? The Society for Human Resources found that 33 percent of companies used benefits as a retention strategy for employees at all levels of the business (vs 18% in 2012.) Benefits are becoming more and more important to employees. What makes a benefits package a valuable employee retention tool?

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New Chipotle Benefit Puts Employees Through College

Career Realism

Chipotle recently announced that it will provide the opportunity for all eligible employees , including crew members, to pursue a debt-free college degree through an expansion of the Chipotle Cultivate Education benefits program. Chipotle officials say the company is adding this opportunity to obtain debt-free degrees to its education benefits program to give employees the chance to gain the skills and knowledge necessary to succeed in the evolving 21st century job market.

You’ve Got The Job! What’s Next?

Ms. Career Girl

Insurance. When you’re young and still have that youthful delusion of invincibility, insurance can seem like an unnecessary financial burden. What’s important to remember is the basic reason behind insurance. Insurance is meant to back you up in the event of something happening that is not only unexpected but would be a financial burden. So it’s important to have the kinds of insurance that you and a professional advisor deem appropriate.

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3 Benefits Of Working As A Pharmacy Technician At CVS Health

Career Realism

Pharmacy technicians are also sometimes advocates as they work with doctors, insurance companies, and various CVS Health programs to help customers in need of financial assistance.

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Employee Benefits Examined: What’s Important Across the Country?

Workology

The fourth annual Aon Hewitt Benefits and Trends Survey asked a range of professionals in HR across all sectors a number of questions relating to employee benefits. The four key areas of the survey were defined-contribution pensions, health and risk benefits, flexible benefits and communications. Flexible Benefits Programmes. Employers are also seemingly reluctant to engage with ‘value-added’ services that can be offered by insurers.

Staff Development, Benefits & Compensation for Low-Wage Workers

Workology

Those working in these jobs make up a large portion of the workforce, so it is imperative that we think about them when creating staff development programs, compensation structures and benefits. The answer to how we better engage and develop our low-wage employees is a mix of compensation, benefits and staff development. Compensation & Benefits. So, what does it look like when we put emphasis on ensuring competitive pay and benefits for low-wage workers?

if you lost your job recently, you’re eligible for 6 months of free health insurance

Ask a Manager

This post, if you lost your job recently, you’re eligible for 6 months of free health insurance , was originally published by Alison Green on Ask a Manager. If you lost your job in the last 18 months, you can now remain on your employer-sponsored health insurance for free through September 30 , as part of the American Rescue Plan Act signed into law last month. here's what an unemployment benefits worker wants you to know.

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“Compensation lowered; can I resign and collect Unemployment Benefits?”

Sklover Working Wisdom

If I refuse to work for the lowered salary and commissions, can I collect Unemployment Benefits? Unemployment Benefits are provided to people who have either (a) lost their job without fault of their own, or (b) resigned with a truly good reason. As a general rule, Unemployment Benefits are reserved for people who lose their jobs due to no fault of their own, or who resign with a good-enough reason. P.S.: Applying for Unemployment Benefits can be confusing!