Insurance Costs Too High? Here’s How To Lower Them

Ms. Career Girl

The average homeowner purchasing the most common type of insurance spends around $1,132 on premiums each year. Insurance companies take many different factors into consideration before setting rates for their customers. But you can control your insurance costs.

The Top 5 Small Business Health Insurance Options in 2019


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. Traditional Group Insurance. Self-Funded Insurance.

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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. Because of this, more and more employers are offering health insurance plans to their workers.

Six Questions to Ask Your Insurance and Benefits Broker


Your company’s insurance and benefits offerings are the second largest company employee expense outside of your employee payroll expense. Your insurance programs, total rewards and work perks directly impact the following: Employee turnover and retention numbers.

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. 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. Who Needs Private Health Insurance?

Offer Letter or Company Plan – Which One Governs?

Sklover Working Wisdom

ACTUAL CASE HISTORIES : Case History 1: Joseph signed an Offer Letter that said the following: “The Company will provide you and your family with health insurance coverage, subject to the terms provisions and conditions of the Company Health Insurance Plan.” So, the “terms and provisions” of the Plan essentially took away what the Offer Letter had seemed to provide Joseph and his family. No other compensation is being offered to you. Received a Job Offer?

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Income Protection Insurance: Does it Cover Redundancy?


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. What does income protection insurance cover?

How To Save Money On Your Car Insurance?

Resume Help Blog

Don’t buy the absolute “cheapest” insurance you can find from a small company because it could come back to bite you. A few years ago we were insured by an insurance company that offered an extremely low rate. 2 of them were with Geico insurers.

How to Fight Unemployment Insurance Benefit Hearings


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 length a state offers unemployment insurance benefits varies.

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


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.

6 Skills Recent Graduates gain working in Insurance.

Corn on the Job

No matter what role you have within the insurance industry you will have to interact with other people. You will have to interact both in person and over the phone with customers looking for different types of insurance. Critical-thinking skills are crucial in the insurance industry.

Ep 71 – Importance of Compliance with Employers Insurance Benefits


Episode 71: Navigating the Changing World of Employers Insurance Benefits, Programs and Brokers. Company insurance and benefit brokers often get a bad rap. ” Compliance must be at the heart of a broker’s client offering including Cobra, Section 125 and ACA pre-existing conditions. Episode 71: Navigating the Changing World of Employers Insurance Benefits, Programs and Brokers Company insurance and benefit brokers often get a bad rap.

Health Insurance for Your Personal Brand – The 3 Cs

Executive Career Brand

Understand precisely what differentiates the value you offer from your peers so that you can express it with energy and confidence. The beauty of personal branding is that it links your personal brand attributes with the unique promise of value you offer.

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Who Does What In the Insurance Industry

The Undercover Recruiter

Insurance is a very complicated and highly regulated industry with many different roles and opportunities for those working within it. Here we look at just some of the different roles you can expect to find within the insurance industry and what sort of tasks they may involve.

4 (No-Brainer) Reasons To Become An Independent Insurance Agent

Career Realism

4 (No-Brainer) Reasons To Become An Independent Insurance Agent. The insurance industry is losing lots of seasoned professionals due to retirement. As a result, the need for new insurance agents is climbing. Work It Daily. Did you know?

do you need life insurance? quite possibly.

Ask A Manager

Also, life insurance. Yes, life insurance, because someday we are all going to kick the bucket, in many cases leaving behind financial dependents. Here’s the deal with life insurance: If you have people who currently depend on you, in whole or in part, for financial support, life insurance will help provide financial security to them. Or use this life insurance calculator to determine if you indeed need it. do you need life insurance?

“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?” Job Offers, New Jobs and Promotions F.

“Can I decline a job offer I already accepted without ‘burning bridges?‘”

Sklover Working Wisdom

Question: Please, Alan, I want to know how to write a resignation letter to a new employer who made me a job offer. I want to keep on good terms with this company that gave me a job offer, and get consideration if this employer has a new job opening in the future. While you cannot be certain that the employer whose offer you accepted, and are now declining, will consider you for other jobs in the future, you can do your best to achieve that result.

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How to Avoid Being Ripped Off on Car Insurance

Ms. Career Girl

I decided to include this post in our line up because car insurance is one of those little details that is part of this whole “growing up&# thing. Buying a car is a major first step in a young adult’s life, but buying the insurance for the car can be nothing less than monumental.

boss asked someone to take her family off her health insurance, how to encourage someone you’re rejecting, and more

Ask A Manager

My boss begged my coworker to take her husband and baby off her health insurance. According to a coworker, he had asked (more like begged) her to take her husband and her baby off of the company’s insurance so that the budget wouldn’t be so screwed up. I assume he knew or figured that her husband could get his own insurance through his job, but it’s still incredibly obnoxious.). It’s five answers to five questions. Here we go….

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my job offer was pulled after I said the insurance wouldn’t meet my needs

Ask A Manager

A reader writes: I received a job offer. At the time of the offer, the schedule wasn’t even refined yet or she didn’t know what it was, so I figured I could ask. After a few email exchanges with HR about benefits, I realized their health insurance is one of the ones exploiting the ignorance of folks and claiming loopholes where there are none for my form of birth control. After asking “Is the offer rescinded for me then?”

“Offer Letter differs from Employment Contract; which controls?”

Sklover Working Wisdom

Question: What if there is an inconsistency and difference between the job offer you’ve signed and the employment contract? Answer: Dear Kath: It is more common than you might think that I am contacted by people who received “promises,” “assurances,” or “representations” during recruitment sessions, job interviews, or in offer letters that are not later fulfilled, or are “changed” by employment contracts or other documents.

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Insurance at Risk: Small Business Employees Risk Losing Coverage


Insurance at Risk: Small Business Employees Risk Losing Coverage. TOPIC: Insurance at Risk: Small Business Employees Risk Losing Coverage. Insurance at Risk: Small Business Employees Risk Losing Coverage. TOPIC: Insurance at Risk: Small Business Employees Risk Losing Coverage. Insurance at Risk: Small Business Employees Risk Losing Coverage. As a result of high health care costs, the percentage of firms offering health insurance coverage has declined.

How Do I Compare Two Job Offers?

Evil HR Lady

Monday, September 27, 2010 How Do I Compare Two Job Offers? When youre looking at two different job offers (or even trying to decide if you should leave your current job for a new one), salary is only one thing. How Do I Compare Two Job Offers? Evil HR Lady Why am I evil?

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Job Offers: Understanding The Offer Package

Career Realism

You’ve made it through the rigorous interview process successfully and the organization has extended you an offer for employment. Now, it’s time to take a better look at what the offer includes. Here are some tips for understanding the offer package : Compensation.

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I’ve been offered the job — but they won’t tell me the salary until we can meet face-to-face

Ask A Manager

A reader writes: Last week I received a job offer from a company I interviewed with. The hiring manager called me to verbally offer me the position, then followed it up with an email offer that her boss and HR were copied on. The email let me know that the company’s HR rep would contact me immediately with an offer letter. Any chance you can tell me what salary you’re offering so that we can keep moving forward?”. job offers salary

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you might need term life insurance (and here’s how to get it)

Ask A Manager

Life insurance can help provide some financial security when you’re gone. Some signs that you should be considering life insurance are: You’re married with shared financial obligations. People often assume that if they have life insurance through work, they’re covered and don’t need to think more about it. Many employers do offer some term life insurance coverage as part of your benefits, but generally, work-sponsored plans equate to only one to two times your base salary.

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Negotiate Your Job Offer: Don’t Be Like The Other 49% of Workers Who Don’t


Did you know when you don’t negotiate a job offer you are missing out on a huge opportunity to gain benefits, such as more cash in your pocket? According to a recent CareerBuilder survey , 49 percent of job seekers don’t even bother to negotiate job offers.

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Before You Change Jobs, Do This!

Professional Resume Services

Before you actually look for new employment, make sure you understand the benefits you currently have, like health insurance, and how those will be affected. Health insurance is a complicated thing so you have to be aware of how a job change changes your status.

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Sexual Harassment – What it Is and What it Isn’t

Ms. Career Girl

While it’s only one part of what the insurance industry covers under the heading of employment practices liability insurance ( EPLI ), we’ve all been sensitized to it. So it’s a good idea to discuss such coverage with your insurance agent.

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Two (or More) Job Opportunities? – 18 Elements of Comparison – [Part 1 of 2]

Sklover Working Wisdom

If you are in this situation, or if you receive two job offers, the decision between or among your available job opportunities might be a difficult one. It is common that comparison of two jobs, or two job offers, can be a difficult thing to do. “It’s not hard to make decisions.

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5 Questions: Should Amazon Employees Take the Company Offer (10K, 3 Months Pay) to Quit?

HR Capitalist

Who takes me up on my offer? We loved Zappos back in the day for a variety of things, including their offer to pay new hires to quit early in their tenure. The Zappos offer to pay you to quit was child’s play. Amazon saw that offer and said, “Hold my beer.”.

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update: company offered me a job, then yanked the offer, then re-listed the position

Ask A Manager

Remember the letter-writer who received a job offer, then had it yanked, then saw the position re-listed ? First, here’s a detail I didn’t think was relevant to include in the first email: When they originally offered me the job, it was through email. I responded that day thanking them for the offer and asking when they needed my firm decision by. It was a week later that they emailed again rescinding the offer. It’s “where are you now?”

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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. insuranceThe post You’ve Got The Job!

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United States Colleges Offer Opportunities for International Job Skills Development


According to “Passport to American Education,” by HCC Medical Insurance, volunteerism, leadership and communication are all abilities that help students get scholarships. You’ll meet other like-minded people who may someday be in positions to offer you a job.

Finding the Best Painting Contractors Houston TX Offers

Ms. Career Girl

The post Finding the Best Painting Contractors Houston TX Offers appeared first on Ms. Since there is so much more involved in this type of work there are different companies that offer their services to assist you when you need your building, big or small, treated and painted the right way.

Benefits Enrollment: How Young Professionals Can Enroll With Confidence

Career Realism

The Aflac Duck will be available 24/7 to offer smart, funny, relatable and easy-to-understand answers to some common benefits enrollment questions. See if your employer offers voluntary insurance. Voluntary insurance benefits are gaining in popularity among employees, too.

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after I offered someone a job, her dad got on the phone with questions … and more

Ask A Manager

I offered a job to a candidate — and her dad got on the phone with questions. As Sally was making the verbal offer over the phone, she asked Jane if she had any questions. ” Then, Jane’s father took the phone and started asking Sally questions about the offer! Or, when Jane’s dad got on the phone, ideally Sally would have cut him off and said, “We don’t discuss employment offers with anyone but the candidate. It’s five answers to five questions.

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Nearly Half of Employers Plan to Offer Grads Signing Bonuses in 2014

Resume Bear

Nearly half of the respondents to the Job Outlook 2014 survey have plans to offer signing bonuses to Class of 2014 college graduates. percent plan to offer signing bonuses to 2014 bachelor’s degree graduates. Bonuses, however, won’t be offered across the board.

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“Umbrella Negotiating” – Best Response to Private Equity “Hurricane Tactics”

Sklover Working Wisdom

Pretty soon, the Private Equity firm, their lawyers and their accountants began reviewing the company’s financial records, bank statements, leases, employment agreements, all as part of their “due diligence,” upon which their formal “offer” would be based. We offer a 152-Point Master Checklist of Employment Negotiation Items to help you “remember everything and not forget anything else.” Benefits: Health, Disability, Life Insurance, premiums fully paid; 401k.

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update: my coworker won’t stop complaining about our health insurance and I feel horribly guilty

Ask A Manager

Remember the letter-writer whose coworker wouldn’t stop complaining about his health insurance and she felt guilty because she’d helped hire him? A few people wondered why my company offered any benefits since he was a contractor – we don’t, he was a contractor through his external company. He got a few job offers, and ended up taking one, and left towards the end of August. But the good news is he’ll have better insurance going forward.

How To Evaluate a Job Offer

Career Alley

You’ve received a job offer. The more you know before the offer, the better position you’ll be in. If so, a smaller company may offer you the best fit. Now back to that offer you received, is the compensation package in line with expectations? Again, the more research you’ve done upfront, the better you can evaluate the terms you are being offered. Salaries may be structured to offer an equity piece or bonuses.

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my coworker won’t stop complaining about our health insurance and I feel horribly guilty

Ask A Manager

Before we interviewed him, he sent me an email asking to confirm that insurance was available because his family’s insurance was through him. His wife works in high-end retail with no benefits available and therefore their only access to insurance is his job. My manager also ensured that the contracting company sent him the insurance options, prices, and coverage amounts with his offer, so he should have been aware of what he was signing.