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Health Insurance

Health Insurance Terms You Should Know

Health care terms, medical bills, and forms can be hard to understand. Here are some common health care terms, and what they mean. Allowed Amount This is the maximum payment the plan will pay for a covered health care service.  May also be called “eligible expense,” “payment allowance,” or “negotiated rate.” For example, if you […]

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Affordable Care Act

ACA Update: Enhanced No-Cost Cancer Screenings for Women Coming in 2026

Big changes are coming to women’s preventive care coverage!  Starting with plan years on or after December 31, 2025, group health plans and health insurance issuers must expand their no-cost coverage for women’s preventive care. This expansion includes additional breast cancer imaging or testing needed to complete an initial mammogram, as well as patient navigation […]

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Custom Content Employee Benefits

Breaking Down Your Benefits: Understanding Key Terms

Selecting the right health insurance plans for your family is a critical process that requires careful attention from start to finish. Navigating health insurance becomes much simpler when you understand its terminology. Making sense of these terms empowers you to better understand your costs, benefits, and even estimate the price of a doctor’s visit. Premium: […]

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Custom Content Employee Benefits Health Insurance

Breaking Down Your Benefits: Understanding Key Terms

Selecting the right health insurance plans for your family is a critical process that requires careful attention from start to finish. Navigating health insurance becomes much simpler when you understand its terminology. Making sense of these terms empowers you to better understand your costs, benefits, and even estimate the price of a doctor’s visit. Premium: […]

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Property and Casualty Risk Management

Sprinkler Systems at Religious Organizations

Fires are a major risk to religious organizations. Each year in the United States, there is an average of 1,780 fires in religious organizations. Damage from a fire can be more than just a financial burden. Religious buildings are often historical or contain works of art, artifacts or relics that can’t be replaced. A sprinkler […]

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Benefits Custom Content Employee Benefits

Supporting Your Workforce: The Value of Dependent Care Assistance Programs (DCAPs)

Want to attract and keep top talent? Your benefits package is crucial! Think beyond just health and retirement. Fringe benefits like Dependent Care Assistance Programs (DCAPs) offer real, meaningful support, especially for employees caring for kids or dependent adults. What is A DCAP? A DCAP – also known as a dependent care flexible spending account […]

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Custom Content Employee Benefits Voluntary Benefits

Benefits 101: What Is Cancer Insurance?

The word “cancer” carries a weight that extends far beyond its medical implications. Beyond the physical and emotional toll, a cancer diagnosis can bring significant financial strain. While your primary health insurance will cover many treatment costs, there are often substantial out-of-pocket expenses that can quickly add up. This is where cancer insurance comes in. […]

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Compliance Custom Content DOL

Form 5500 Filing Requirements: Deadlines, Penalties, and Compliance Options

If your company provides an employee benefit plan governed by the Employee Retirement Income Security Act (ERISA), you are likely obligated to file Form 5500. This annual report discloses key details about your organization’s benefit offerings, such as welfare benefit plans (including medical, dental, life, and disability coverage), retirement plans, fully insured plans, and self-funded […]

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Risk Management

Allergic Reactions at Summer and Day Camps: A Critical Guide to Safety

With nearly 50 million people across the United States experiencing some form of allergy, allergic reactions represent a significant and constant threat in any summer or day camp environment. While many reactions present with minor symptoms, others can quickly become life-threatening. Understanding how to properly recognize and respond to allergic reactions in campers is therefore […]

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Compliance

The Clock is Ticking: Don’t Miss the Deadline for the EEO-1 Report

The annual EEO-1 Report, mandated by the Equal Employment Opportunity Commission (EEOC), is a cornerstone of workplace diversity and anti-discrimination efforts in the United States. This data collection provides a demographic snapshot of America’s workforce, helping to monitor for discrimination and promote equal employment opportunity. Missing the deadline can lead to serious consequences, making it […]

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