by margolisassoci | Nov 6, 2024 | Benefits
A life insurance policy, whether it’s term or whole, provides a financial benefit to your family or beneficiaries in the event of your death. A standard life insurance policy is an excellent hedge against future calamity, but you can also add riders to make your...
by margolisassoci | Nov 6, 2024 | Benefits
Insurance coverage for prescription medications is a benefit that’s frequently offered with a health insurance plan. It helps you pay less for your prescriptions in most cases by covering a portion of the cost. You can also save more money by changing the type...
by margolisassoci | Oct 30, 2024 | Benefits
Employee-sponsored health insurance (ESI) is a health insurance plan offered by employers to their employees and often their families. As an employee benefit, ESI is the most common way Americans access health coverage, covering nearly half the population. Instead of...
by margolisassoci | Oct 17, 2024 | General
Insurance companies come in two different types: local and national. Both have ties to the community, and both have a vested interest in helping their clients with their insurance needs. What sets the two types apart is the fact that a national company tends to...
by margolisassoci | Oct 17, 2024 | General
New York City employee health plans tend to follow common structures in terms of pooling risk and paying out claims. The two most common structures for providing healthcare are HMOs and PPOs, both of which provide different types of choices for obtaining healthcare....
by margolisassoci | Sep 23, 2024 | Benefits
Life can be full of surprises that sometimes require taking time off from work. This can be an emotional time with undue stress added to an already difficult situation. In these cases, employees who are eligible and qualify for paid family leave can apply with their...
by margolisassoci | Sep 23, 2024 | Uncategorized
Figuring out taxes can be confusing, especially when it comes to health insurance. A common question people have is: is employee health insurance tax-deductible? It’s a smart question because understanding the tax implications can save you money. So let’s...
by margolisassoci | Sep 9, 2024 | Benefits
Many people get life insurance for the first time as part of their employee benefits. Life insurance is a program that uses your premiums to provide a lump sum to your beneficiaries after you pass away. Although it may not be pleasant to think about your death, it may...
by margolisassoci | Jul 31, 2024 | General
Long-term care (LTC) is an important part of healthcare, especially if you are aging or have chronic health issues or disabilities. If you are thinking about your future care or have a loved one who may need LTC and are looking for long-term care insurance companies...
by margolisassoci | Jul 11, 2024 | General
The titles of insurance broker and insurance agent sound like they’re similar in terms of their duties and abilities. Both are in the insurance industry, and they can both obtain estimates for policies and recommend the appropriate kind and quantity of coverage...
