Difference Between Basic Insurance & Major Medical Insurance | Nevada Benefit Advisors

Choosing a health care plan often comes down to cost, but don’t forget to compare the monthly premium with the amount of coverage you get. Major medical insurance is designed to cover you during everything from routine check-ups to major catastrophic events. Basic health insurance, by contrast, is a cash reimbursement service that can help … Continued

How to Make the Most Out of Your FSA at Year-End | Nevada Benefit Advisors

As 2017 comes to a close, it’s time to act on the money sitting in your Flexible Spending/Savings Account (FSA). Unlike a Health Savings Account or HSA, pre-taxed funds contributed to an FSA are lost at the end of the year if an employee doesn’t use them, and an employer doesn’t adopt a carryover policy. … Continued

Keeping Your Small Business in Business Through a Disability | Nevada Benefit Advisors

If you own a business, you know how it feels to live for that business. You also rely on it to support you and your family. So, what would happen if you suddenly became ill or injured and could no longer work? You need to think about the what-ifs.The fact is, your loved ones may … Continued

Benefit Plan Design: Charging Employees Different Premiums | Nevada Benefits Advisors

Employers who are designing a health and welfare benefit plan for their employees often wonder about the rules relating to setting premiums for employees. Employers generally have significant flexibility in this part of their plan’s design. Common structures contemplated by employers include, but are not limited to:Charging all employees a flat amount for their health … Continued

Are You Ready to Electronically Report Injuries and Illnesses to OSHA? | Nevada Benefit Advisors

December 1, 2017 is the deadline for certain employers to use the Occupational Safety and Health Agency’s (OSHA) Injury Tracking Application (ITA) portal to report information from their 2016 Form 300A regarding employee illnesses and injuries. We previously reported (Breach Forces OSHA to Shut Down Reporting Portal) that OSHA suspended employer reporting through the ITA … Continued

It’s Open Enrollment Time! | Nevada Benefit Advisors

Fall.  With it comes cooler temperatures’, falling leaves, warm seasonal scents like turkey and pumpkin pie, and Open Enrollment.  It goes without saying; employees who understand the effectiveness of their benefits are much more pleased with those packages, happier with their employers, and more engaged in their work. So, as your company gears up for … Continued

3 Ways Life Insurance Can Help Maximize Your Retirement | Nevada Benefit Advisors

If you’re one of the millions of Americans who owns a permanent life insurance policy (or are thinking about getting one!) you’ve probably done it primarily to protect your loved ones. But over time, many of your financial obligations may have ended. That’s when your policy can take on a new life—as a powerful tool … Continued

October 2017 Executive Order on Healthcare | Nevada Benefit Advisors

On October 12, 2017, the White House released an Executive Order, signed by President Trump, titled “Promoting Healthcare Choice and Competition Across the United States.”It is important to note that the Executive Order (EO) does not implement any new laws or regulations, but instead directs various federal agencies to explore options relating to association health … Continued

Life Insurance Primary Vs. Contingent Beneficiaries | Nevada Benefit Advisors

Life insurance is intended to give financial security to family members or business associates when you die. Your insurance company wants to make sure your policy’s proceeds are delivered to the person or persons designated to receive them. The recipient of your life insurance settlement is called a beneficiary. There are two main types of … Continued

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