If your business runs on a calendar-year benefits plan, the next few weeks matter more than almost any other stretch of the year. Carriers, brokers, and payroll systems all converge on the same window each fall, and small employers who…

If your company’s benefits plan renews on January 1, the next ten weeks matter more than almost any other stretch of the HR calendar. Open enrollment is when employees make decisions that affect their health coverage, their paychecks, and often…

Health Net has announced it is discontinuing its commercial group health business in California, meaning small and large group employer-sponsored plans through Health Net will come to an end. If your company currently offers Health Net medical, dental, or vision…

Small employers renewing their group health plan this fall are running into the same problem year after year: premiums keep climbing faster than payroll budgets can absorb. One option worth understanding, if you haven’t looked at it closely, is pairing…

If your group health plan renews on January 1, open enrollment is no longer a “fall project” — it’s already on the clock. For employers with 20 to 200 employees, the work of comparing plans, updating payroll deductions, and getting…

If your group health plan renews on a calendar-year basis, open enrollment is roughly ten to twelve weeks away, and the work that determines whether it goes smoothly starts well before employees ever see an enrollment form. For businesses in…

Mid-August sits right at the start of the busiest stretch of the Atlantic hurricane season, which runs officially from June 1 through November 30 and tends to peak between late August and October. If you have a Caribbean cruise, a…

Hurricane season runs June 1 through November 30 in the Atlantic basin, but the real risk window is narrower than that. More than 85% of Atlantic tropical cyclones form during August, September, and October, and the historical peak of the…

If you run a business with somewhere between 20 and 200 employees, you’ve probably built your benefits package around some mix of a health plan, a tax-advantaged savings account, and maybe a few voluntary add-ons. Every year the IRS quietly…

If you have a trip booked to Florida, the Gulf Coast, the Caribbean, or anywhere else in the Atlantic basin between now and November, hurricane season is worth a few minutes of your attention before you leave it to chance.…