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At TIS, we are committed to keeping you updated with innovative ideas, best practices, and proven strategies crafted by our talented insurance industry specialists.
Protecting your financial future goes beyond just covering immediate needs; it’s about ensuring long-term security for you and your loved ones. While term life insurance provides temporary coverage, permanent life insurance offers lifelong protection, cash value accumulation, and other financial
Running a small business comes with many responsibilities, including attracting and retaining top talent. As a small business owner, you may face unique challenges in offering competitive employee benefits compared to larger companies with more extensive resources. However, providing a
Open enrollment season may be (or almost) over, but it’s just the beginning of an essential phase in employee benefits management: ensuring that employees use and benefit from the coverage they’ve chosen. This is especially important now considering that projections
As we approach 2025, it’s essential for employers to stay informed about the latest shifts in employee benefits. Employee expectations are shifting, economic pressures are mounting, and employers are striving to balance cost-effectiveness and comprehensive benefits. New trends in healthcare,
Remember the days when seeking help for stress, anxiety, or burnout meant whispered phone calls from a secluded office and the stigma of hushed conversations? Thankfully, those days are fading. A quiet revolution is underway in how we approach mental
When the Consolidated Appropriations Act, 2021 (the “CAA”) was enacted on December 27, 2020, it included a provision that prohibits group health plans and health insurance carriers from entering into certain agreements that, either directly or indirectly, restrict the release
As projects grow more complex, contractors, owners and surety companies all have an increased risk stemming from an ongoing industry shift in project coordination. The burden of providing more project coordination, via changes in contractual language, is landing on the
Owning a recreational vehicle (RV) provides the freedom to explore the open road and travel with the comforts of home. But while RVs offer the thrill of adventure, they also come with unique risks that require specialized insurance coverage. RV
On September 9, 2024, the DOL, IRS, and HHS released a final rule for the Requirements Related to the Mental Health Parity and Addiction Equity Act (The “MHPAEA Final Rule”). The MHPAEA Final Rule is similar to the Proposed Rule
As a business owner, one of the biggest challenges is managing the rising costs of healthcare benefits while ensuring your employees receive the coverage they need. Healthcare affordability is a growing concern for employers, especially small businesses that may not
Imagine facing a medical emergency without insurance. It’s not just the stress of the illness or injury but the looming financial burden that could follow. With the cost of treatments skyrocketing and the prevalence of chronic diseases on the rise,
On October 22, 2024, the Internal Revenue Service (IRS) released Revenue Procedure 2024-40, which increases the health flexible spending account (FSA) salary reduction contribution limit to $3,300 for plan years beginning in 2025, an increase of $100 from 2024. Thus,
As a homeowner, unexpected accidents or damages can lead to costly insurance claims, potentially raising your premiums and causing stress. However, many common homeowner’s claims are preventable. With some proactive steps, you can avoid unnecessary headaches and protect your most
Executives drive a company’s strategic vision, manage risks, and steer it through growth and challenges. However, a significant gap exists in how these high-level leaders protect themselves against potential personal risks, specifically the risk of disability. Executive disability insurance is
As a notary public, your role in verifying and authenticating important documents is crucial. This responsibility carries potential legal risks, particularly if mistakes or accusations of misconduct arise during the notarization process. Understanding the significance of notary bond insurance is
Making the most of healthcare analytics is not just a trend—it’s a strategic necessity for organizations looking to optimize their employee benefits programs and overall healthcare strategies. By harnessing data-driven insights, companies can optimize their employee benefits programs, leading to
Establishing a safe workplace is a fundamental responsibility for any business. Not only does it protect employees from injuries and accidents, but it also fosters a culture of well-being that enhances productivity, reduces absenteeism, and boosts team morale. A safe
Your dream home isn’t just a place to live; it embodies your hard work and success. Regardless of your style, a sprawling waterfront estate, meticulously restored historic mansion, or custom-built architectural marvel, a high-value home deserves exceptional protection. Standard homeowners
Employers are increasingly recognizing the importance of offering flexible and comprehensive health benefits to attract and retain top talent. Providing multiple health plan options caters to employees’ diverse needs and enhances overall satisfaction and loyalty. However, offering a variety of
Employee benefits can be intricate and overwhelming, with many choices to consider. Selecting the right insurance broker is vital to creating a benefits program that not only attracts and retains top talent but also aligns with your organization’s objectives and
Employers must stay vigilant about upcoming regulatory updates affecting their employee benefit programs. Several key compliance items are on the horizon, with some that require immediate attention to ensure a smooth transition into the new year. Let’s look at the
This alert is of interest to all applicable large employers (ALEs) – generally, those with at least 50 full-time equivalent employees. The Internal Revenue Service (IRS) has released Rev. Proc. 2024-35, which contains the inflation adjusted amounts for 2025 used
Smart homes are no longer just part of a Jetson episode. Today, homes are equipped with interconnected devices that can be controlled remotely through smartphones, tablets, or voice commands. From thermostats and lighting to security systems and appliances, smart devices
We all have treasured possessions that bring us joy, define our style, or hold sentimental value. Yours could be a collection of vintage handbags, a meticulously curated wine cellar, or a dazzling heirloom diamond necklace; protecting these valuables is crucial.
Planning an event involves a lot of time, effort, and money. Even if you’ve poured your heart and soul into making it a success, one crucial aspect often gets overlooked amidst the whirlwind of budgeting, venue selection, and vendor coordination:
Businesses increasingly use data analytics to boost their wellness programs and enhance population health management. HR departments are teaming up with their employee benefits consultants to drive this shift by utilizing data-driven insights to understand employee health patterns, identify potential
Controlling healthcare costs is a top priority for businesses today, especially as insurance premiums and prescription drug prices continue to climb. Pharmacy benefits account for a significant portion of these expenses, prompting companies to seek effective strategies to manage costs
Homeownership is a significant milestone, often marking a sense of stability and accomplishment. However, protecting this valuable asset through the right home insurance coverage is equally important. Fortunately, here are many options when it comes to buying a homeowners insurance
As healthcare costs continue to rise and market uncertainties persist, a growing number of employers are turning to self-insurance to gain better control over their healthcare expenses. This shift towards self-insurance accompanies a heightened focus on risk management and using
Singlehood is on the rise. According to the U.S. Census Bureau, almost half of adults (48 %) in the United States are unmarried in 2024. While there are many benefits to flying solo, there can also be misconceptions when it
