The metal tiers are more about risk tolerance than coverage: Lower tier = pay less monthly, but pay more when you go to the doctor Higher tier = pay more monthly, but pay less when you go to the doctor

Life and AD&D is one of the last benefits that small businesses and startups add to their offerings. It’s a real bummer to talk about. And unlike short-term disability, the people who need it don’t complain if you don’t have it. But here are some reasons you should care about life and AD&D insurance.

The One Big Beautiful Bill Act (OBBBA) increased your health insurance premiums in two meaningful ways: It cut pandemic-era premium tax credits (which help the working poor get healthcare) and it cut funding for Medicaid (which pays for healthcare for the very poor).

Maybe you’ve had this experience: You’re in crisis. You can’t work, so you call in. A well-meaning person you hardly know sends you information about the Employee Assistance Program (EAP). You look into what it covers and wonder how this could possibly help. The minimum CYA measure to guard against the wild things that people in crisis do.

What if, instead of inflating wages with cash, the company offered to pay for something even more valuable than cash? The health of workers and their families. 

For years, health insurance costs have already been increasing at more than double the rate of inflation. But even factoring in that trend, next year’s numbers seem like a prank. 

Short term disability insurance (STD) isn’t sexy. It doesn't attract top talent, but it can keep a company from the kind of tough decisions that can end with lawyers. Many employers don’t even know that the situations that are draining their budget are insurable. 

Employers have discretion about what's covered in their HRA plan, which is what makes them so useful. The company decides the annual limit, as well as specifications like whether to cover deductible expenses, post-deductible expenses, and/or over-the-counter expenses and services.

Somewhere between two weeks and thirty years, it has to become something else. 

People often confuse their job being 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱 (by FMLA, etc.) with getting 𝗽𝗮𝗶𝗱. It's a common mistake. I'm sorry. I really am. I know you're going through a lot. I hate delivering this message when it's already too late. 

"Is this because I said I wasn't pregnant?" He scratched his beard. He was the first non-birth parent to use the policy. And it wasn’t working as planned. And yes, his claim was denied because he wasn't pregnant.

Everywhere I went, I saw the same thing: Employees didn’t understand what they signed up for. Brokers didn’t really understand either. HR didn’t want to touch it. Claims were denied. People thought their plans sucked.

I don't know who needs to hear this, but Qualifying Life Events (QLEs) aren't written in stone.

FMLA doesn't guarantee paid leave, but some states have paid leave programs.

Running the People side of your business takes a lot of work, but hiring a PEO comes with trade-offs that you may regret later.

Both employers and employees get 1.5x the value of every dollar compensated through a tax-sheltered program that they do through straight co

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Read on for 12 practical tips on how to structure and present your employee benefits to get the most out of your organization’s greatest ass