Alper’s August Benefits Focus newsletter covers the U.S. Supreme Court’s ruling on same-sex marriage and the Anthem, Inc. – Cigna Corporation merger.
Questions concerning these topics and any other employee benefits matters can be directed to our Employee Benefits Team: EBTeam@AlperServices.com.
The June issue of our Benefits Focus newsletter is out and includes an overview of the agencies’ plan to issue final rules for the SBC requirements, the IRS’ update for 2016 HSA Limits and revisions to Small Employer status in the ACA. Please contact us with any questions or if you’d like to continue the conversation further: EBTeam@AlperServices.com
Sam Cook, a top sales person at his company, fell off a ladder over the weekend while spring cleaning. His back is sprained, and he is expected to be out for at least eight weeks. How will Sam and his family get by if he is not working?
Disability Insurance provides supplementary income in the event of an illness or accident resulting from a covered disability that prevents an individual from working at their regular position.
If they were injured or ill and couldn’t work, half of Americans wouldn’t make it more than one month before financial difficulties set in. Are you and your family protected? Your income is critical to your financial security, and yet you rarely think about how a non-work related illness or accident puts you at risk. In fact, 95% of disabling accidents and illnesses are not work related, so Worker’s Compensation doesn’t cover them.
Having Disability Insurance can add peace of mind during distressing times. Contact Alper for information on Short- and Long-Term Disability products or for a personalized product proposal for your company.
Alper Employee Benefits Team
Excepted Benefits are benefit products that are designed to supplement comprehensive medical coverage. The Departments of Labor, Health and Human Services and the Treasury have made important changes to the regulation of excepted benefits including new rules governing Employee Assistance Plans (EAP).
Please click on the brief to the right for greater details on the four categories of excepted benefits under the ACA.
Fireman’s Fund sold its Personal Insurance renewal rights to the ACE Group, effective April 1, 2015. The Alper Services Personal Lines Team continues to provide our Clients with updated information regarding the transition to ACE Private Risk Services. For the latest news from ACE on the subject, please see their Press Release.
The April issue of our Benefits Focus newsletter is hot off the press! April Benefits Focus. Please contact us with any questions or if you’d like to continue the conversation further: EBTeam@AlperServices.com
We’re happy to announce a new partnership with unisonBrokers to expand our servicing of Clients in foreign countries. Please see the press release for full details. AlperServicesLLC-UNISON
Data breaches, privacy violations and network security invasions are no longer just the problem of big business. It is estimated that 1 in 3 mid-sized businesses—of all types, including offices, service firms, distributors and manufacturers—will be victims of targeted cyber-attacks.
Some of the most notorious cyber scams start with one of your employees opening an innocent-looking email under the guise that it’s from your bank or another trusted source.
Too many mid-sized businesses do not recognize how much cyber risk they have, or they mistakenly believe their IT provider will protect them in the event of an attack. If you conduct any business online, store sensitive data on a network, or as we saw, just open an email, you are vulnerable to a cyber-attack. Unfortunately, it is that simple.
Cyber Insurance should be part of your overall risk management and security practices in 2015.
If you’re a victim of an attack, Cyber Insurance can protect you from liability when your customer’s sensitive data is exposed. Cyber Insurance can cover the significant costs you will suffer as a victim of cyber extortion or data loss. More importantly, most Cyber Insurance programs are affordable and will provide you with resources to enhance your businesses overall cyber security.
Please contact us for a complete analysis of your cyber exposure and to learn more about how Cyber Insurance can reduce the impact of an attack and keep you in business: 312.642.1000 or DMacknin@AlperServices.com