Waiting periods are a common feature of employer-sponsored health insurance plans, yet they are often misunderstood. Employees may assume coverage starts on day one, and in some cases, even office managers are unclear on when benefits actually begin. When waiting…
Running a business means managing people, and people create risk. Even well intentioned employers face exposure from employee related claims. A single complaint can lead to legal costs, settlements, and long term damage to your business. Employment Practices Liability Insurance,…
Even though life insurance is one of the most affordable and important ways to protect your family, many people still don’t have coverage or not enough of it. Why? Because myths and misconceptions keep getting in the way. Let’s set…
Long-term care is one of the most overlooked parts of financial planning, but it’s also one of the most important. None of us like to imagine a future where we can’t fully care for ourselves, but the truth is that…
Relying solely on your workplace life insurance coverage may leave your loved ones under protected. Many professionals assume that the group policy offered by their employer is all they need, but in most cases, that coverage is just a starting…