Many school, city and county employers offer dependent coverage on their Life, Vision, Medical or Dental Insurance. Employees and dependents are added onto the plan and terminated periodically...
If your employee’s life insurance protection ends, continuing their coverage might be available through the Conversion and/or Portability option in your group plan. This means that s/he may have a...
Research has linked good oral health and overall health. Studies have shown that there is a relationship between periodontal disease and diabetes, cardiovascular disease, stroke and adverse pregnancy...
A topic no one wants to consider. Our own death. When the unexpected happens, how will your family survive if your income is no longer coming in? How will they pay the mortgage, funeral expenses,...
Most school, city and county employers are familiar with the imputed income rules when it relates to group term life insurance. Employers can provide their employees with up to $50,000 of group term...
Revised December 2023
4 min read
It is inevitable that at some point in time, schools, cities and counties will have to switch life/disability insurance carriers in order to get better rates, a...
A life insurance renewal is like buying a new car. Cost is always a determining factor in making your final selection. But you may also take into consideration things such as safety ratings, options...
The Maximum Annual Covered Salary (MACS) on your disability insurance plan is the highest salary the insurance carrier has contractually agreed to insure. In other words, if the MACS is $50,000 but...
If schools, cities and counties want to avoid claim and billing issues on life and disability insurance and receive their renewal information timely, it is imperative to submit a census at least once...
Do you know your definition of disability in your Long-Term Disability (LTD) and/or Short-Term Disability (STD) Insurance policy? If you don’t, go to your policy now and read it. It’s a small, but...
