The Most Desirable Employee Benefits


I was reading a great article from Harvard Business Review concerning employee benefits. I thought you might find value in this article also.

In today’s hiring market, a generous benefits package is essential for attracting and retaining top talent. According to Glassdoor’s 2015 Employment Confidence Survey, about 60% of people report that benefits and perks are a major factor in considering whether to accept a job offer. The survey also found that 80% of employees would choose additional benefits over a pay raise. Continue reading “The Most Desirable Employee Benefits”

Fork In the Road

Baseball great Yogi Berra once said, “When you come to a fork in the road, take it.” Business leaders will encounter many forks in the road in the coming year, and Aflac has taken a look at some of the top benefits-related decisions they’ll face. Among them:

  1. Pay or play?ForkInRoad

In 2016, employers with at least 50 full-time equivalent employees (FTEs) must offer affordable, minimum-value health coverage to at least 95 percent of their full-time employees and their dependents, or face a penalty. Employers will need to be certain they are providing coverage that meets the law’s requirements. For more information, see five things to know and do to guard against health care reform penalties and calculate your company’s FTEs with the FTE calculator.

    2. Make voluntary insurance part of the benefits package?

Because of the steady upward climb in health care costs, shifting expenses to employees is becoming a significant concern. It’s no surprise that benefits option
s such as voluntary insurance are quickly becoming key components of comprehensive benefits packages. Just how critical will these options be? According to the Aflac WorkForces Report, nearly 9 in 10 employees (88 percent) at least somewhat agree they consider voluntary part of a comprehensive benefits package and 64 percent see a growing need for voluntary today compared to past years. To learn more, see What is voluntary insurance and why do employees need it?

aflac-img1To learn more about the remaining six questions your company may face – along with the solutions – keep reading.

Learn more about Aflac’s solutions

Using My Trials as Stepping Stones


Meet Kiara…..

Most of my childhood consisted of hospital waiting rooms, bad cafeteria food and doctors’ names I couldn’t pronounce. I became inevitably involved with my father’s illness at age 9. I gave shots and dosed medicine. Not the definition of a “daddy’s little girl” others would expect, but that was my childhood.

My father’s illness took his life when I was 11, leaving behind his wife and five children. Soon after, we woke up to the bitter realization of our deteriorating financial situation. The burden that was placed on my mother’s shoulders is one that nobody should have to carry alone. If my dad had had life insurance, it would have taken away the constant financial worry.

I’m now the only child in my family to have graduated from high school. And although the financial struggle to go to college continue, and I will use my trials as stepping stones and my education will be the foundation on which I build my life.

I wish I could say it better, but I can’t form a sentence that expresses how much my family would have benefited from life insurance. Although setbacks have struck me when I am down, I’ve found that true failure lies when I stop trying. I refused to give up then, and I refuse to give up now.



Better Hurry – Open Enrollment Ends February 15th

ACA-open-enrollNeed health insurance? Better hurry! Open enrollment ends February 15th!

There’s still time to enroll in a plan for 2015 that meets your needs and budget. Your coverage can start on March 1. There are many health care options for you. Contact me if you need assistance.

What’s covered in the Affordable Care Act (ACA) Plans:

These essential health benefits include at least the following items and services:

  1. Outpatient care—the kind you get without being admitted to a hospital
  2. Trips to the emergency room
  3. Treatment in the hospital for inpatient care
  4. Care before and after your baby is born
  5. Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
  6. Your prescription drugs
  7. Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  8. Your lab tests
  9. Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease.
  10. Pediatric services: This includes dental care and vision care for kids

Have You Protected What Matter Most?


If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more, there is no federal income tax on life insurance benefits.

Most Americans need life insurance. To figure out if you need life insurance, you need to think through the worst-case scenario. If you died tomorrow, how would your loved ones fare financially? CLICK FOR INSTANT QUOTE!

Would they have the money to pay for your final expenses (e.g., funeral costs, medical bills, taxes, debts, lawyers’ fees, etc.?) Would they be able to meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc? What about long-range financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably?

The truth is, it’s always a struggle when you lose someone you love. But your emotional struggles don’t need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself. CLICK FOR INSTANT QUOTE!

To help you understand how life insurance might apply to your particular situation, I’ve outlined a number of different scenarios. So whether you’re young or old, married or single, have children or don’t, take a moment to consider how life insurance might fit into your financial plans. Click here to review your scenario.

Teledoc – By Pass the Office Visit!

teladoc2Entire family can have access to a doctor 24/7/365 for $20 a month!

Never leave your home to speak with a doctor and get a prescription faxed into your pharmacy!

Contact me to sign up for this program today!

When we get sick, we don’t always need to go to a doctor’s office, do we? Going to the doctor for a cold that won’t go away versus going to the doctor for an annual exam or cancer screening are much different. The problem is that medical staffs are short staffed. If your appointment is at 3:00 pm, you are expected to check-in at 2:45 pm and may not even see your doctor until 4:00pm. This means, you have to leave work early and miss out on pay.

Today, I want to share how you can see a doctor in a different way – via phone/video! Sounds crazy, but with all advances in technology, it’s genius! Did you know…?

70% of all doctor visits could have been handled via phone/video?

With the Affordable Health Care Act, and Universal Healthcare costs, many Americans are finding themselves in positions that are, well, not so affordable. I’ve personally met with people who say that they would rather take the required fine for not purchasing insurance then pay their insurance premium. There are two sides to every story, but the truth be told:


As a business owner myself, I find that it is difficult to make time to see the doctor, and pay out of pocket office visit fees for a simple infection or cough. Financially, it hurts both me, and my business. If you work full-time, attend school, or have a jam packed schedule, you can relate. Even IF I am forced to enroll in Universal Health Care, what if my doctor is overbooked or I simply can’t afford to take time to go?

While having this conversation with a colleague, he told me about a program which will cover individuals or entire families! Teledoc! I can actually sign up for this program, and use my phone to contact a doctor directly for minor illnesses. On top of that, he will write a prescription if necessary and fax it to my pharmacy. 

While working in this new Affordable Health Care system, I see areas which are causing premiums to rise. You see, most healthy young people, between 18-35 don’t visit the doctor too often. This is what the Affordable Health Care Act is banking on for the funding of the new system. The younger people are required to pay in to the system, but likely won’t use their physician as much. Not just that, I have several clients and family members over the age of 60 years old who’s premiums have also gone up! This is not affordable for any of us.

What if there was another solution for those who find health insurance unafforable, or even for those who already have health insurance, but want a supplement program? There is!

Contact me for more Teledoc information or other options I may have for you and your family.



The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015.

If you haven’t enrolled in 2015 coverage by February 15, you generally can’t buy Marketplace health coverage for 2015 unless you qualify for a Special Enrollment Period.

Deadlines if you have 2014 coverage

2015 enrollment and coverage start dates

During 2015 Open Enrollment, if you enroll or change plans:

  • Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.
  • Between February 1, 2015 and the deadline of February 15, 2015, your 2015 coverage begins March 1, 2015.

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time.

If you own or operate a small business, you can start offering coverage to your employees any time. Contact me for a FREE GROUP QUOTE!

If you don’t enroll in 2015 coverage

If you don’t have health coverage during 2015, you may have to pay a penalty. The fee in 2015 is higher than it was for 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more.

If you need assistance with your healthcare coverage, contact me, I can help!

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