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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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Custom Content Mental Health

Mind Matters: Supporting Employee Mental Health at Work

Every year, millions of people experience mental health challenges with limited access to care. According to the World Health Organization, 1 in 8 people globally are affected. Conditions like anxiety and depression significantly reduce productivity, costing the global economy around $1 trillion annually. Despite the rising demand for support, more than two-thirds of those who […]

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Custom Content Financial Planning

Disability Insurance Explained: Long-Term Disability

Your most valuable asset isn’t your house, car or retirement account.  It’s the ability to make a living. Long-term disability insurance (LTD) provides financial protection by replacing a portion of your income—typically 50% to 70%—if you become unable to work due to a prolonged illness, injury, or accident.  This benefit is paid directly to you […]

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Custom Content Disability Employee Benefits

Disability Insurance Explained: Long-Term Disability

Your most valuable asset isn’t your house, car or retirement account.  It’s the ability to make a living. Long-term disability insurance (LTD) provides financial protection by replacing a portion of your income—typically 50% to 70%—if you become unable to work due to a prolonged illness, injury, or accident.  This benefit is paid directly to you […]

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Employee Benefits

Benefits Buzz Newsletter – May 2025

DOL Updates Model Employer CHIP Notice The U.S. Department of Labor (DOL) has released a new model Employer Children’s Health Insurance Program (CHIP) Notice with information current as of March 17, 2025. As a reminder, the Children’s Health Insurance Program Reauthorization Act of 2009 (CHIPRA) imposes an annual notice requirement on employers that maintain group […]

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