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Creative Benefit Solutions Employers Are Offering

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Creating an Employee Benefits package that satisfies everyone’s wants, needs and budget can be challenging. There’s a lot that goes into it and no office is the same. But to meet the needs of today’s diverse, multigenerational workforce, companies need to offer benefit solutions that bring real value to their lives. Presenting a wide-range of options that addresses employees’ needs during all stages of life is becoming critical. And with more people working from home this year, we’ve seen a bigger shift in what’s being offered. In fact, we interviewed Barbara Ciudad, the Regional Sales Director for Greater San Diego Area Total Administrative Services Corporation

COBRA Guide for Employers and Employees

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If you’ve recently left jobs or lost health coverage, you may have had someone mention COBRA. (No, we’re not talking about the snake). COBRA – also known as the Consolidated Omnibus Budget Reconciliation Act – requires group health plans to offer continuation coverage to covered employees, former employees, spouses, former spouses, and dependent children when group health coverage would otherwise be lost due to certain events. COBRA insurance allows you to keep your employer-sponsored plan temporarily, but it comes with a hefty price tag. Who is eligible for COBRA? COBRA is available for people who quit their job or are: Laid off Fired and it

Holiday Party Best Practices

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Tis the season for holiday parties and the spreading of good cheer in the workplace. The holidays are a great time for companies to celebrate their achievements and show appreciation for their employees. One popular way to do this is through an annual holiday party. While these parties are a fantastic way for colleagues to come together, unwind and enjoy each other’s company, they can also be a liability if you aren’t careful. By providing rides home, limiting alcohol and providing activities you can limit bad behavior and cause for concern1. Have a holly-jolly holiday party that is packed with fun, while decreasing liability risks

Preventative Care Services You’re Not Taking Advantage Of, But You Should Be

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Health insurance plans provide a number of preventive services that many employees don’t know are available, and some simply don’t use. What if people took advantage of the preventive services that are included in their health plans? For one, we’d be staying healthier and living longer. Each year, millions of people die preventable deaths. If you are enrolled in a health insurance plan, it’s important to be familiar and take advantage of the preventative care services offered to you. Preventive care is any medical service that defends against health emergencies. It includes doctor visits, such as annual physicals, well-woman appointments, and dental cleanings. Some medicines

Fully-Insured vs. Self-Funded Group Health Plans

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Any good employer knows the importance of having a competitive benefits package to offer their employees. As health insurance costs continue to rise, many businesses are rethinking their health insurance plans. There are two primary types of plans to consider— fully-insured plans and self-funded plans, and understanding how both of these health plans work can help your company immensely. So, what’s the difference between a fully-insured and self-insured health plan? Let’s take a look! Fully-Insured Health Plan A fully-insured health plan is the more traditional way to structure an employer-sponsored health plan. As the employer you often feel less of the effects of rising medical

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Steve Grady Insurance Services Phone: (619) 222-0119 Fax: (619) 223-2706 Steve@SteveGrady.net CA Lic. #0E24711, 0H65110  
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