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.

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.

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?

Six Questions to Ask Your Insurance and Benefits Broker

Blogging4jobs

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.

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.

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?

Blogging4jobs

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.

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?

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.

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

Blogging4jobs

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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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.

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.

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?

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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“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.

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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“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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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?”

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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“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

HireCentrix

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

Blogging4jobs

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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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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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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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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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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3 Things Every Great Company Offers Its Employees

Career Realism

One of those companies is the well-known insurance company, Prudential. Here are some things every great company offers its employees: 1. Want to learn more about what Prudential has to offer its employees?

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United States Colleges Offer Opportunities for International Job Skills Development

Blogging4jobs

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.

7 Questions to Ask Yourself Before Accepting The Job

Ms. Career Girl

The appeal of a job offer after a long period of searching quickly tempts you to say “Yes!” Does this opportunity genuinely excite you, or are you considering the role because they offered and it’s a paying job? Does the Company Offer Stability and Integrity?

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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.

3 Reasons You Should Pursue Passion AND Work

Career Realism

Erik Freeman is a benefits advisor representing Aflac insurance. Aflac offers flexible, independent contractor (or agent) roles that will give you the power to do the things YOU want to do. 3 Reasons You Should Pursue Passion AND Work. Work It Daily.

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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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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.

“How does an offer of ‘equity’ from an employer work?”

Sklover Working Wisdom

Question: I am being made an offer from a company owned by a “Private Equity” firm. They have said the offer will include “equity” – which is new to me. What terms will that piece of the offer come in? There are many different aspects of “equity” that have to be reviewed and analyzed in order to figure out what is really being offered, and how it can be lost. Offering “Equity” is a way to motivate and retain good employees.

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7 Questions to Ask Yourself Before Accepting The Job

Ms. Career Girl

The appeal of a job offer after a long period of searching quickly tempts you to say “Yes!” Does this opportunity genuinely excite you, or are you considering the role because they offered and it’s a paying job? Does the Company Offer Stability and Integrity?

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my employer might drop our health insurance — what can I do?

Ask A Manager

A reader writes: Yesterday, I overheard a conversation between the owner of the company and our accountant where they discussed dropping the company’s health insurance plan. If past experience with the way the owner handles things like this is indicative of future behavior, it is likely that she’ll tell us just a few days before the change, and offer little or no compensation to make up for it.

“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. To attract and retain workers, employers had to compete with each other by offering such things as “side benefits.”.