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Custom Content Employee Benefits

Beyond Open Enrollment: Engaging Employees with Benefits

Most organizations treat employee benefits like a seasonal event. Open enrollment brings a flurry of activity – emails, seminars, and even benefits fairs. However, communication often dwindles after this initial push, leaving employees confused and underutilizing their valuable benefits. This is a missed opportunity. Research shows that employees crave more benefits education, spending hours researching […]

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Health Care Health Insurance

Reducing Rising Healthcare Costs in 2025

Healthcare costs are projected to rise significantly in 2025. To mitigate these increases, consider these tips: Know Your Plan: Take time to review what your health plan covers—and what it doesn’t—to avoid unexpected costs. Understand your health plan’s coverage, including deductibles, co-pays, and out-of-pocket maximums. Utilize In-Network Providers: Receiving care from out-of-network providers can dramatically increase costs. Check […]

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Church Nonprofit Property and Casualty Risk Management

Risk Insights: Avoiding Slip, Trip and Fall Liabilities in Religious Organizations

Slips, trips and falls are some of the most common injuries across industry lines, with religious organizations being no exception. In fact, the nature of these organizations’ operations—namely, experiencing frequent foot traffic on-site from community members and employees of varying ages—may contribute to an increased risk of such injuries. According to the latest industry research, […]

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Custom Content Employee Benefits

Top Employee Benefit Trends for 2025

Employee benefits are the indirect and non-cash compensation paid to an employee. These benefits are given to employees over their salaries and wages.  As we look ahead to 2025, companies are increasingly exploring innovative solutions to address the evolving needs of their workforce. Driven by shifts in work environments, economic challenges, and technological progress, the […]

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Health Insurance

Benefits Insights: Key Drivers of 2025 Health Care Cost Increases

Healthcare costs are projected to increase substantially in 2025. Estimates show a similar growth in spending to 2024, marking multiple years of compounding costs. Specifically, healthcare costs in the United States are likely to increase by 7%-8% in 2025, according to the following data from multiple surveys: Large employers predicted their healthcare costs would rise […]

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Property and Casualty

Small Business Insights: How to Avoid Insurance Gaps

How to Avoid Insurance Gaps Small businesses in all industries face numerous risks that can lead to significant financial losses. To mitigate these exposures, businesses secure insurance. Many considerations go into building an insurance portfolio; business leaders must be mindful of policy specifics, such as limits and exclusions. Failure to adequately address a business’s insurance […]

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Church Nonprofit Property and Casualty Zywave

Risk Insights: Candles and Fire Risk

Candles are used in various religious services and ceremonies and can be an essential part of worship. However, they can pose serious fire risks to religious institutions and should be used with caution. This article discusses the risks candles pose and how to mitigate them. The Risks Candles are a fire hazard that can cause […]

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Custom Content Mental Health Wellness

Battling Holiday Depression: Tips to Avoid a Blue Christmas

For some, the lyrics “with those holiday greetings and gay happy meetings when friends come to call, it’s the hap-happiest season of all” stirs happy memories of Christmas caroling. However, for others, the holidays can be one of the most stressful and isolating times of the year. The season often brings a whirlwind of demands—shopping, […]

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Benefits Employee Benefits

2025 Employee Benefit Limits: What You Need to Know

Many employee benefits are subject to annual dollar limits that are adjusted for inflation. For 2025, most of these limits have increased. Key Benefit Limits for 2025: Health Savings Account (HSA) Contributions Single Coverage: $4,300 (up $150 from 2024) Family Coverage: $8,550 (up $250 from 2024) Catch-up Contributions: $1,000 HDHP Minimum Deductible Single Coverage: $1,650 […]

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