employee benefits

October 19, 2021

UNICO Group announces partnership with BrokerTech Ventures (BTV)

UNICO Group joins 15 of the most sizable and innovative brokerage firms in North America as well as 12 of the most notable and respected insurance companies and wholesalers with both domestic and international presence in BrokerTech Ventures.
August 22, 2012

Value of Long Term Care Insurance

Long Term Care insurance (LTCi ) has been very confusing to most people. A recent headline on CNBC stated the “premiums are expensive” and at first glance you might say, I agree. But as in all things it is always best to ask “Compared to what?” Phyllis Shelton wrote an article in a recent trade publication and pointed out “Long-term care insurance premiums are a drop in the bucket compared to the cost of the type of care this valuable insurance pays for.” Shelton is the president of LTC Consultants, Nashville, Tenn., a 21-year-old consulting company that specializes in long-term care insurance consumer education and agent training. If you want to read her article you can find it at- http://www.lifehealthpro.com/2012/07/25/is-ltci-worth-it-get-real#.UCEN0sgROp4.email The LTCi market is certainly going through some changes. Carriers are dropping out of the market and product features have changed, even in the past few months. As you consider how LTCi fits into a retirement plan it is best […]
August 22, 2012

Employee Benefits – HSA vs. HDHP

Lori 402-770-5198 1.    What types of employers are turning to HSAs? In general we are seeing employers who are looking to save bottom line dollars on their benefit plans by asking employees to take control of their personal health care expenses. Employers see these plans as providing transparency and consumerism in health care plans. Many employers are offering the HSA/high-deductible health plan (HDHP) as a dual option along with the more traditional PPO type of plans. They are also embraced by small business owners, self-employed individuals and those without access to a workplace health plan. HSA/HDHPs have been embraced by over 10 million Americans since being signed into law in 2004. According to Towers Watson, a human resources firm, and the National Business Group on Health’s 2010 survey, 83 percent of businesses have already or are planning to change the health care they offer. 2.      What are the benefits of an HSA and who should use them? Many people choose […]