Focus Benefits Flash

ACA (Affordable Care Act) changing again – Are you prepared?

Trying to keep up with the changes to the ACA legislation and then interpret direction really requires a large staff of dedicated masochists. I have neither a large staff nor do I enjoy abuse which makes it all the more difficult for me. Continue reading

So many Health Insurance choices and so little understanding!

Now let’s think like a 5 year old and you say “Well then why is the cost of medical care so high?” Well let’s see, medical care is so expensive because insurance pays for it and you don’t, so most people don’t actually know what it costs for care. (see article by Steven Brill, 02-20-2013 Bitter Pill: Why medical bills are killing us. and the rebuttal by Chris Conover – 5 Myths in Steven Brill’s “Bitter Pill” — Part 2)
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Small Business Disability Insurance: Higher Volumes Result in Lower Costs

Sometimes putting your employees first benefits you, them and your bottom line. Sophia Parker was a 46-year-old accountant and a small business owner with two clerical employees. When she decided she needed income protection, she found protecting her employees’ paychecks as well as hers had multiple benefits. Continue reading