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There are few industries more complex and more dynamic than the financial and insurance worlds.  Between market volatility and understanding risk and reward, investing and planning for our future can be quite intimidating.  Meanwhile, insurance has so many branches within it that knowing what terms refer to which policies can leave us all confused and with questions.  Find answers to your questions, more information, and a deeper understanding of the industries within our posts.  Check back for more and contact us if you need more information.  

Tuesday, June 1, 2021

A recording of a discussion on Long Term Care and Elder Care- Real issues we all face in retirement planning. WHO will take care of us? WHERE will we live? HOW will we pay for it.

Tuesday, April 13, 2021

Wednesday, April 7, 2021

Employer responsibilities under COBRA will drastically change on April 1, and the risks of noncompliance can be substantial. It is very important for employers to get out in front of these new requirements. Traditionally, COBRA...

Monday, December 14, 2020

COVID‑19 Vaccine Coverage At Independence, they are committed to giving their members and customers the information they need to understand the ever‑changing COVID‑19 environment. We are hopeful that once vaccines start to become...

Tuesday, November 24, 2020

Independence announces extensions to COVID‑19 provisions As part of their ongoing commitment to their clients and members during the COVID‑19 pandemic, Independence Blue Cross will extend many of the provisions put in place this year...

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Wednesday, November 4, 2020

December premium credit for small group clients As part of our continuing effort to support small businesses in the region during this challenging time, we are pleased to provide fully insured small group (2 – 50)...

Wednesday, July 22, 2020

COVID-19 PREMIUM CHANGES Delta Dental has sent the following notice to their clients: As you focus on the well-being of your employees during this pandemic, we want you to know that Delta Dental is here to help. Our goal is to provide...

Wednesday, July 22, 2020

Independence to provide premium credits and other support to clients and members With the continued commitment to their clients and members throughout the COVID‑19 pandemic, Independence is now offering medical and dental premium...

Friday, May 22, 2020

ANNOUNCING: WELL VISITS VIA TELEMEDICINE AND ADDITIONAL EXTENSIONS TO COVID‑19 DEADLINES THROUGH JUNE 30 Independence is continuing to assess current conditions, health care for our members, and ways to help our clients and partners....

Tuesday, May 5, 2020

The Department of Labor’s Employee Benefit Security Administration (EBSA), along with the Treasury Department, issued several pieces of guidance over the last week affecting employer-sponsored benefit programs. Briefly, the...

Thursday, April 23, 2020

Most plans with an effective date in 2021 will be required to cover new preventive items and services, including several related to the human immunodeficiency virus (“HIV”). Additionally, the Coronavirus Aid, Relief, and...

Friday, April 17, 2020

On April 11, 2020, the Departments of Labor, the Treasury, and Health and Human Services (HHS) issued FAQ Part 42, which includes implementation guidance on the health coverage aspects of the Families First Coronavirus Response Act...

Tuesday, April 7, 2020

INDEPENDENCE IS WAIVING MEMBER COST-SHARING ON COVID-19 TREATMENT AND WAIVING CERTAIN PRIOR AUTHORIZATION REQUIREMENTS As the COVID‑19 pandemic evolves, Independence is working with local and national health officials to assess current...

Monday, March 30, 2020

We’re actively monitoring the coronavirus situation as it changes daily, and we continue to evaluate how to best serve our customers. Guardian recently announced a temporary accommodation to continue coverage for an employee who...

Wednesday, March 25, 2020

Due to the COVID-19 pandemic, many employers are being forced to terminate, lay-off and/or reduce hours for employees. While this brings up a host of employment law issues that should be discussed with counsel, it also brings up...

Wednesday, March 25, 2020

FAMILIES FIRST CORONAVIRUS RESPONSE ACT: SIGNED INTO LAW We recently advised you of proposed federal legislation responding to the COVID-19 pandemic. On March 18, 2020, President Trump signed into law the Families First Coronavirus...

Wednesday, March 25, 2020

EMERSON REID WEBINAR RECORDING: COVID-19 Emerson Reid recently hosted a series of webinars discussing the various benefits and business issues brokers and employers are facing during the current COVID-19 outbreak. We have recorded...

Tuesday, March 24, 2020

It is our commitment to our clients to keep everyone informed of the most up-to-date information regarding the current state of the pandemic. The following comes from Independence Edge regarding telemedicine. To encourage social...

Tuesday, March 24, 2020

The following is an article from Independence Edge and pertains to those businesses that offer health benefits to their employees. We aim to provide our clients with as much information as we have. We ask that you contact us with any...

Thursday, March 19, 2020

The market’s response to COVID-19 has been volatile, but it’s important to look at how the market has performed when faced with similar epidemics in the past. The charts below give historical performance of the S&P 500...

Monday, March 16, 2020

As the new coronavirus (COVID-19) continues to spread, many employees are wondering whether there is coverage under their medical plan and whether they can take a leave of absence. The following provides some high-level information...

Thursday, March 5, 2020

The fear of the Coronavirus is as contagious as the virus itself and, as the number of cases continues to increase, the fear of its effects is taking its toll on all of us. This includes fear of the market, how this virus will...

Monday, February 10, 2020

On Jan. 1, 2020, the U.S. Department of Labor’s (DOL) final overtime rule went into effect. Read Lauren Burke's, Corporate Communications Specialist from PrimePay, post about what you need to know. New Overtime Rules in...

Friday, March 29, 2019

The beneficiary(ies) of your life insurance policy is the person who will receive the proceeds of the policy’s death benefit upon your passing. You chose this person(s) when you first bought your policy and probably haven’t...

Thursday, March 21, 2019

What is your most valuable asset? Were you quick to mention your home? Your car? Perhaps even your iPhone X? Sure, these all have value, both financial and emotional, but the most valuable asset that any one of us possesses, yet the...

Wednesday, January 2, 2019

Happy New Year! Welcome to 2019. It is hard to believe we are just one more trip around the sun away from marking 2 decades since the hype of Y2K. 2 decades? Twenty years can sometimes pass in the blink of an eye. Twenty years, in many...