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As a fire department, you are responsible for the safety of your community. In addition to protecting them from fires, you also need to be prepared for other emergencies. One such emergency is long-term care. Many people don’t think about it until it’s too late, but long-term care can be expensive and difficult to pay…

Long-Term Care Insurance refers to insurance that goes beyond the scope of traditional health insurance. Health insurance typically only covers acute care, while long-term care involves the care one requires when they have a chronic condition.   Long-term care can include assistance with any task defined as one of the ‘activities of daily living’. ADLs,…

As a business owner or HR team member, you want to do everything you can to take care of your employees. A significant step towards this is offering accident insurance. Accident insurance is a type of insurance providing financial coverage to employees who are injured in an accident. This type of insurance can help cover…

Today’s marketplace is totally saturated. It may be difficult to chisel out a place in the industry for your organization unless you have incredible exposure and you’re constantly on the cusp of innovating revolutionary methods for doing business.   We love to think of ourselves as pioneers, but often the reality is that we might…

Anyone who has tried to save for retirement knows it can be difficult to set aside money each month. For police officers, this is especially true given the unpredictable nature of their work. A 401(k) can be a helpful tool for both police departments and their employees in addressing this challenge. By allowing officers to…

As an employer, it’s important to understand accident insurance and how it can benefit your employees. This type of insurance provides financial protection to an employee who is injured while working. It can help to cover medical expenses, lost wages, and other costs associated with the accident. In addition, accident insurance can provide peace of…

Employment-seekers in the United States strongly consider the availability of a benefits package when choosing to apply for or accept a position. In order to be ranked a best-in-class employer and remain competitive in today’s market, you must provide a comprehensive insurance benefits package. Employee Insurance Benefits Encompasses Many Factors In some cases, federal and…

Long-term care insurance is a tricky one. On the one hand, your standard medical benefits might cover any of many debilitating illnesses or conditions that affect your everyday quality of life. On the other, they might not, and if they don’t then you’ll be left footing the bill on expensive but essential treatment just to…

Firefighting is a dangerous profession. Although firefighters are brave and highly skilled individuals who willingly risk their lives to protect others, they are not immune to accidents or injuries. When a firefighter is injured and can no longer work, it can be difficult for the department to cover their medical expenses and lost income. As…

The rising cost of living and the decreasing availability of pensions has made it increasingly important for sheriff departments to offer 401K benefits to their employees. Breaking Down 401(k)s A 401K plan is a retirement savings plan allowing employees to contribute a portion of their paycheck into an account not subject to taxes. The money…

Firefighters are heroes. They risk their lives daily to make sure our neighborhoods and the people living in them are safeguarded against natural disasters, human-caused accidents, and other mishaps that would otherwise result in pure devastation to the neighborhood. Because of firefighters, we know we are taken care of, and we know that there are…

401(k) plans are an increasingly popular benefit among employers to distinguish themselves in a highly competitive job market. For employees, 401(k) plans can provide a secure way to save for retirement and choose employers that care about their future. For employers, 401(k) plans can help attract and retain talented employees. In addition, 401(k) plans can…

It takes considerable effort to get a business up and running. Business owners and corporate CEOs have much to do when setting up, staffing, and getting established in the space of their respective businesses. With so many big picture items in play, it’s discouraging to lose time on minutiae, no matter how essential to the…

If you’re a company looking to offer your employees a 401(k) benefit plan, you’re making a wise decision. A 401(k) can help your employees save for retirement, and it’s one of the most popular retirement plans available. There are a couple of things to know about the benefits of 401(k) plans before offering them to…

Many people mistakenly believe that health insurance will cover all their medical needs, but this is often not the case. Health insurance generally only covers acute care, which is care that is necessary to treat an illness or injury. Long-term care, on the other hand, is care that is necessary to manage a chronic condition…

Selecting the right insurance package for your association can be a headache. On top of that, it’s only half the battle. With changing regulations and updates to how benefits are structured, keeping your benefits up to date is also part of the equation. Luckily, you don’t have to shoulder the burden of managing your employee…