A record $10.3 billion in claims was paid last year by the nation's long-term care insurance companies, according to the American Association for Long-Term Care Insurance study. This figure represents the highest amount of such benefit payments to Americans for a one-year period ever, and they were paid to more than 300,000 individuals.

Most companies have at least some staff that sit front of a computer all day. While the job is low-impact and the likelihood of severe injuries is slim, sitting in front of a computer all day long can have detrimental effects, particularly if the employee has a bad posture.

Approximately one in five Americans have some hearing loss. Often unavoidable due to the natural process of aging, hearing loss can also result from exposure to loud noises over time. 
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Many people think life insurance is only for the young. That life insurance is a tool best used by newlyweds with mortgages, parents of young children, and spouses who are both employed. 

But what does that mean for seniors? Does that mean retirees do not need life insurance? The answer to that question depends on your family's needs as well as your financial picture upon retirement.

There are typically two approaches to securing health coverage for your staff - group health insurance or self-funding.

Self-funding, however, can be costly and risky for some employers and is usually only done by larger organizations with thousands of employees. However, there is a hybrid model that can help small and mid-sized employers provide their staff with affordable health coverage: partial self-insuring.
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In the course of doing business, you may sometimes find yourself entering into contracts requiring that your business be named as an additional insured on another party's insurance policies.
 
This is often done to protect your business from losses for which you may be legally liable as a result of the business relationship you have with the other party, but that are not due to your own business's direct negligence.
 
An additional insured is defined as an individual or entity that not automatically included as an insured under the policy of another, but for whom the named insured's policy provides a certain degree of protection.

Combined with rising tuition costs, more people are attending college than ever before. That education, though, has come at a high price. Nationally, outstanding student loan debt totals $1.52 trillion.

While individuals appreciate, and have come to expect, traditional benefits like health insurance and paid time off, many new graduates are looking for companies that offer non-traditional benefits like student loan repayment assistance. 
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A fire can happen anywhere, but three simple steps: Look, Listen, and Learn, are essential to reducing the likelihood of having a fire and escaping safely in the event of one. The National Fire Protection Association’s 2019 Fire Protection Week Campaign is an important reminder to:

• Look for places fire could start. Take a good look around your home. Identify potential fire hazards and take care of them.
• Listen for the sound of the smoke alarm. You could have only minutes to escape safely once the smoke alarm sounds. Go to your outside meeting place, which should be a safe distance from the home and where everyone should know to meet.
• Learn two ways out of every room and make sure all doors and windows leading outside open easily and are free of clutter.

Fires are the leading cause of home injuries and death. In a fire, mere seconds can mean the difference between a safe escape and a tragedy.  Does your family have a plan if a fire started in your home?
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Expecting a baby is one of the most joyous experiences in life.  As you prepare your nursery, don't forget to review your insurance to make sure your coverage reflects the change in your growing family.  Below are a few pointers. 
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