Archive for February 2022

Let us talk about the title of my blog for a moment; “I have benefits at work”.  This statement is used quite frequently when I ask individuals if they would like to discuss insurance, regardless of which type.  It seems that the majority of Americans believe that what an employer allows you to purchase is…

The number one reason for bankruptcy in this country is medical expenses.  A simple open-heart surgery can cost upwards of $120,000.00 not to mention the time it takes to heal and get back to normal everyday activities.  It could be months before an individual returns to full work status, which means loss of income for…

People today are faced with slim choices when it comes to health care due to the ACA law also known as Obamacare.  Since the enacting of the Affordable Care Act, premiums for health insurance have skyrocketed by 400% from what the premiums were in the early 2000’s.  The ACA will provide subsidies only to lower…

Also known as mom-and-pop shops, small employer groups are one of my favorite types of businesses.  With regard to employee benefits, they feel as if the company cannot qualify for the same great benefits that a large employer would be able to offer, but that is not so.  There are many programs available to small…