Research consistently points to time away from work as improving productivity, lowering stress, and reducing absenteeism.

​What does the term “performance review” mean to you? To many people, it means sitting down at the end of the year with a manager to discuss job performance over the past 12 months. To others, it could mean chatting with a manager every quarter. And some might know it as a biweekly conversation to discuss personal goals.

​No one likes to contemplate it, but accidents result in over 161,000 deaths per year in the United States. According to the Centers for Disease Control, unintentional injury is the fifth leading cause of death in the country.

Accidental death and dismemberment insurance, or AD&D, exists to provide families and loved ones with protection against the death or severe injury of a breadwinner or other individual on whom the beneficiaries depend. This affordable form of insurance pays a lump sum in the event of accidental death or death as a result of homicide (as opposed to illness). In addition, policies may pay an additional benefit as a result of events like these:

​One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.

Let's say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage you did a decade ago, or even three years ago, the chances you are underinsured are high.

​The typical family's income slips by more than $12,000 in the year after a breadwinner suffers a critical illness such as a heart attack, stroke or cancer, according to a study by Metropolitan Life Insurance Company.

This reduction of income isn't primarily due to lack of medical coverage. It is actually attributed to the inability to work and earn an income. The approximate out-of-pocket medical expenses add about $3,000 in extra costs during the first post-diagnosis year.

​The possibility of becoming disabled is very real for working Americans, and so are the financial consequences and costs associated with employee absence. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage.

​Did you know that millennials have become the nation’s largest living population? Millennials, also known as “Gen Y,” are projected to surpass 75 million this year.  In fact, more than 1 in 3 American workers is a millennial. That means millennials – those workers age 18-34 – have the largest share of the country’s workforce, and this number will only increase as more finish college and enter the workforce. 

That’s a big deal for employers, and here’s why.

​Group life insurance is often offered to employees as an employee benefit. It serves as both an employee retention tool and a way provide employees some peace of mind for their families.

There are various avenues for funding these group plans, and different underwriting criteria that can either reduce or increase the premium amounts. In most cases, life insurance face amounts will vary from policy to policy and will usually be based in part on each employee's base salary.

​A new study has found that people enrolled in high-deductible health plans (HDHPs) are more likely to consider costs and quality when considering non-emergency care.

The 14th annual "Consumer Engagement in Health Care" study by the Employee Benefits Research Institute and market research firm Greenwald & Associates surveyed 2,100 adults, most of whom receive health coverage via their employers.

​One of the biggest mistakes people make in planning their health and life coverage is assuming they'll never need long-term care services, or that if they do need these services, they will pay for them with their savings.

And many people shy away from long-term care insurance because they worry about premium hikes or the fact that if they don't use the coverage, they never benefit from their premium payments. But now there is a policy that melds long-term care insurance with life insurance.