6 Foods to Help Prevent Dehydration
Posted: September 10, 2022
Across the USA, many people live in communities that are experiencing hot, dry weather. Staying well hydrated is always important, and even more so during the hot summer months. Obviously, drinking plenty of water is vital, but there is more to staying hydrated than just consuming liquids. Electrolytes work to direct water and other nutrients to the cells. Many foods contain water, nutrients and electrolytes...
How to Determine the Right Amount of Coverage Needed
Posted: September 7, 2022
Life insurance – everyone needs it, but how much coverage do you need? Every individual has a unique situation and choosing the amount of coverage requires calculating specific factors. These include the financial obligations that would be left should you suddenly pass away, including: Income replacement: Your loved ones can be left in a dangerous financial condition without the income you bring to the family....
How to Find the Right Caregiver
Posted: September 6, 2022
If you have an elderly relative or a younger person with physical or mental limitations, you may need to find a caregiver. Every situation requires a specific level of training to provide the support your loved one needs. The caregiver becomes part of your family and choosing right could not be more important. What Type of Caregiver is Right for Your Loved One? Depending on...
How Should I Budget for Business Insurance?
Posted: September 4, 2022
Your business insurance should cover every possible risk for your operation. It may surprise you that as a basic calculation, the entire range of business insurances, including commercial liability, commercial property insurance, health insurance for employees, workers’ compensation, and other insurances should be budgeted at about 20 to 30 percent of expected gross sales. Smaller businesses can expect to budget far less. Every industry, and...
How HRAs Offset Premiums & Deductibles For Group Plans
Posted: August 28, 2022
A health reimbursement arrangement (HRA) can offset premiums and deductibles in a group health insurance plan. These savings are realized when a high-deductible health plan (HDHP) is combined with a Deductible-Gap HRA. Employers can benefit by saving money and reducing overhead with a high deductible, while the effect on employees is offset by the HRA. What Is An HRA? An HRA is an employer-funded account...