S. Claus offers top-notch benefits advice
Every company needs strong benefits to retain and attract top employees, and Santa’s Workshop Inc. is no different. S. Claus takes time out of his busy holiday schedule to share the secrets of his top-rated Elf Care Benefits Plan. You’ll learn about the key benefits offered by his Workshop, as well as about some of the perks offered to his diverse workforce of elves, reindeer and abominable snowmen. You’ll also get insight into the North Pole’s top competitors for first-class talent (psst, Keebler) and find out the shocking reason Santa recently added a wellness plan to his Workshop’s benefits portfolio. Don’t miss this exclusive message from one of the world’s most experienced employers. Read more.
Hospitals: The “in” spots for holiday gatherings
There may be no place like home for the holidays, but many Americans spend the most festive days of the year in the very un-homelike atmosphere of a hospital room. You may laugh later about the time Dad fell through the attic ceiling and crash-landed in the cranberry sauce, but it’s not so funny when the family’s trooping en masse to the ER.
Accidents happen; that’s why they’re called accidents. Access to insurance that helps protect employees’ with unexpected out-of-pocket medical costs may not be the most exciting gift, but it’s something that’s valued by workers and their families throughout the year. Read more.
Health care in America: desperate measures
As health care costs continue to rise, Americans are taking desperate measures to pay off medical bills and gain access to treatment. Tactics have gone far beyond payday loans and borrowing from family and friends. They now include online pleas for strangers to send cash, selling off family heirlooms and, for some who urgently need care, even petty crime.
One way many employers help employees cope with spiraling medical costs is by adding an array of voluntary health insurance policies to their benefits options. Voluntary insurance allows workers to make their own decisions about what types of supplementary coverage they need and can afford. Read the full story.
Talk more than turkey this holiday season
The holiday season is here, and for most Americans it brings a rush of good cheer, the fun of choosing just the right gifts and wrapping paper, the bracing chill of winter air and – perhaps best of all – the joy of breaking bread (or wishbones) with friends and family from near and far.
Unfortunately, many of us don’t get to spend time in conversation with our loved ones as often as we’d like. That’s why when the celebrations die down and there’s a moment to talk more than turkey, the discussion should turn to key healthcare and financial-planning decisions.
Smoking out a Killer
Most people have survival instincts that set off alarm bells when danger is at hand. How, then, to explain the fact that despite years of warnings, lung cancer remains one of the nation’s biggest killers? Even famous smokers aren’t immune: Two stars of the Marlboro Man advertising campaign succumbed to lung cancer.
Tamping out cigarettes for good isn’t easy, but what better time than October to coincide with The Great American Smokeout? Employers and brokers should also consider the value of cancer/specified-disease insurance, which helps workers guard their incomes from the high cost of lung cancer treatment, as well as other cancers. Read more.
Diabetes: What Workers Should Know and Employers Should Tell Them
For most Americans, deciding what to eat is no big deal. But for adults and children with diabetes, choosing a meal is a serious matter. Diabetes complications can be serious and include diseases affecting the heart and blood vessels, eyes, kidneys, nerves and teeth. November is Diabetes Awareness Month, so why not use it to find out more about diabetes and commit yourself to not only employee raising awareness, but also to providing workers with access to voluntary coverage that can help protect their families’ financial well-being. Read more.
Scary Stuff: The Conversation Too Many Americans are Afraid to Have
Halloween revelers and scary-movie fans enjoy brushes with imaginary death in the form of vampires, zombies, mummies, ghostly specters and other shiver-inducing creatures, but they’re not so keen on confronting the real thing. Discussions about end-of-life medical care, wills and life insurance are uncomfortable and, for some people, downright scary. But employees who face their fears help ensure that if the worst happens, their loved ones won’t have to cope with the truly terrifying prospect of scraping by on a sharply reduced income or, in the worst-case scenario, no income at all. Read the full story.
When Halloween Becomes Hallow-Whoa!
In southern parts of the United States, you often hear adults asking young children for sweet kisses with the phrase, “Give me some sugar.” Every October, the tables are turned as kids go from house to house seeking a different kind of sugar: Halloween candy. The folks at My Science Project have determined that those cute Halloween candy buckets hold 9 pounds of sugary goodness and that the old standby, a pillowcase, holds 48. Smart parents will have a toothbrush at the ready – and smart employers will offer voluntary dental insurance. Read more.
What’s Cooking: Voluntary Policies for Women
Today’s woman may bring home the bacon, but don’t count on her to fry it up in the pan: Married Gen X males are more involved in grocery shopping and cooking than their Baby Boomer dads. While men are heating things up in the kitchen, what are women doing? Forty percent are sole or primary breadwinners, yet they do three times more housework and twice as much child care as men. Since women remain our nation’s primary caregivers even as they increasingly become primary breadwinners, take time to stress the importance of voluntary health insurance for women. Read more.
Breast cancer: Survival isn’t a woman’s only concern
October is Breast Cancer Awareness Month, a time when people wear pink ribbons in honor of the women – and men – fighting breast cancer and those who have gone before them. It’s also a month in which individuals and corporations participate in fundraisers, with money earmarked for breast cancer detection, treatment and research. Just as important, though, are efforts to drum home the facts about breast cancer, including the effect it can have on a woman’s self-worth and the negative impact of stress on her recovery. Read more.
Gridiron Madness! Touchdowns, Tailgating and Disability Insurance for the Win
Another summer is drawing to a close. For some, the passage of time is marked by multi-hued autumn leaves and bright yellow school buses. For others, fall means just one thing … It’s football season, people!
This year, two players dominate sporting news: Johnny Manziel, the Heisman-winning Texas A&M quarterback, and Jadeveon Clowney, the University of South Carolina defensive end and consensus No. 1 NFL draft pick. Manziel and Clowney have more in common than gridiron talent. They both recently purchased disability insurance, and the average worker should consider coverage too. Get the full story.
Workers need coverage for accidents both straightforward and strange
Accidents occur every second and affect all sorts of people. Whether it’s falling off the roof while stringing Christmas lights or slipping on a freshly mopped floor, stuff just happens. Google “freak accidents” and you’ll get thousands of examples, some chuckle-worthy in a “you’ve got to be kidding me” kind of way and others downright sad.
As an employer or broker, you have a vested interest in helping workers understand just how common accidents really are – and in ensuring they have access to disability insurance that goes to work in those unlucky moments. Get the full story.
As School Bells Ring, Workers Should Study Up On Insurance Benefits
The lazy days of summer are drawing to a close and kids are heading back to school. While many parents are waving goodbye at bus stops, others are fighting back tears as older kids move into college dorms and off-campus apartments.
Back-to-school is a natural time to help workers ensure they have the right amounts and types of insurance coverage. While their kids are settling into the new school year, parents should make sure their health, life, homeowner’s and auto coverage get passing grades. Get the full story.
Two Thrifty Ways to Make Every Day Labor Day
At many companies, Labor Day is simply a one-day work break marking the transition from summer to fall. This year, why not use the holiday as it was intended by celebrating the contributions of workers whose dedication keeps businesses running every season of the year?
Many employers continue to dig their way out of the recessionary environment and don’t have funds on hand to honor workers with bonuses or expensive Labor Day events. That’s no problem, though, because two gestures most coveted by workers – employer gratitude and better benefits – can cost businesses nothing at all. Get the full story.
Step Off the Health Insurance Merry-Go-Round with Six Key Voluntary Benefits
Employers, workers and benefits experts are dizzy from the merry-go-round of changes to the way health care benefits are purchased, delivered and paid for. Many companies are seeking ways to control their benefits-related spending. Employee-paid voluntary health insurance policies are one way businesses can trim expenses while providing workers with access to needed coverage. Take a look at six key voluntary options. Read the story.
The Times of their Lives: Why Change Should Trigger Employee Life Insurance Reviews
Summer means fun in the sun for kids, but it’s often a time of change for adults: new college graduates settle into their first “real” jobs, wedding bells ring, babies arrive and families move to new homes. All of this life-altering activity makes summer a good time for employers to communicate with employees about the importance of regular life and health insurance reviews. Read the story.
The Big Breakup: Handling a Worker’s Departure with Grace and Professionalism
Employees today aren’t like those of yesteryear – they don’t take jobs and remain in place until it’s time to collect a pension and a gold watch. Companies have changed too, making the promise of a pension and a fancy timepiece rare. Although savvy human resources professionals will do all they can to retain their companies’ best and brightest, including putting great benefits packages in place, breakups are sometimes inevitable. The key is handling them with professionalism and respect. Read the story.
A Shot in the Arm for American Businesses: Worker Vaccinations
When you think about vaccines, you probably envision a child cringing at the sight of a needle. But adults should get their fair share of needling too. Vaccinations protect against illness, hospitalization and death. Employers should provide coverage for recommended vaccinations as part of their benefits plans. July is National Immunization Awareness month, so it’s a good time to ensure employer benefit plans cover immunizations. Read the article.
Voluntary Insurance 101
Voluntary insurance offers the workforce a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury or illness. This booklet addresses commonly asked questions regarding the relevance of voluntary insurance, as well as who needs these policies, what is covered in them and a quick look at four popular policies.
Vacation Reading For Those Who Can’t Leave the Office Behind
If you’re one of those people for whom a lounge chair and umbrella is merely an office with a better view, you’re probably not going to spend much vacation time engrossed in escapist beach reading. In fact, you’re likely to be surreptitiously answering emails and reading work communications when you think your family members aren’t looking. Good news: We have some vacation reading ideas for you. Read the article.
Safety Awareness Month: Danger On and Off the Job
Workload issues, boredom, interoffice squabbles – all are common at workplaces. But those issues are mundane compared to the challenges facing fishermen: The Bureau of Labor Statistics says fishing is the most dangerous job in America.
Even if workers aren’t headed for the high seas, smart business leaders keep employee well-being in mind. And June is National Safety Awareness Month – a good time for employers to consider whether their workplaces are safe and to consider adding short-term disability and accident insurance to their benefits packages. Read the article.
Summer’s Here – Make Sure Workers Don’t Get Burned
With the hot summer months upon us, Americans are soaking up the sun as they embark on beach vacations, host backyard barbecues and engage in outdoor activities with kids who’ve been sprung from their classrooms.
Many are slathering on sunscreen to avoid the hot, stinging sensation that accompanies sunburn, as well as to protect themselves from harmful ultraviolet rays that lead to skin cancer. After all, the American Cancer Society reports that a whopping 3.5 million skin cancers are diagnosed in the United States each year, more than all other types of cancer combined. Read the article.
Disability Insurance: Protecting Your Employees Means Protecting Your Business
As an employer, you have procedures in place to help employees overcome workplace concerns, but you may sometimes wonder what you can do to help them overcome personal challenges. Did you know that one of the most meaningful things you can do for your workers is provide a robust benefits package that includes disability insurance? It's true: 38 percent of workers surveyed as part of Aflac's 2013 WorkForces Report said that by offering strong benefits, employers signal they care about their employees' well-being. And workers who believe their employers care about them stay in their jobs longer and are more loyal and productive. Read the article.
Secrets to Building a Loyal Small Business Workforce
Small businesses are often at a disadvantage when it comes to providing competitive benefits. Larger companies have greater purchasing power and can buy employee coverage at more competitive rates. With the opening of health care exchanges, you may be wondering how much value employee benefits can bring to your company’s success. A recent Aflac survey discovered key HR and benefits best practices revered by best-in-class companies that can help small businesses better compete. Read the article.
Voluntary Insurance: Go with the Group or Go it Alone?
Most employer-paid health insurance benefits, including major medical coverage, fall into “the more the merrier” category, with employees enrolling in group plans. But when it comes to voluntary coverage, both group and individual policies have distinct advantages, and employers can choose to provide workers with access to one or the other – or even both. The advantages of voluntary insurance are clear, but it’s up to employers to decide what type of coverage they’ll make available to workers. Read the article.
Critical Illness Coverage Lets Employees Concentrate on Recovery
As a benefits decision-maker, you understand the importance of critical illness coverage. However, most people arguably do not. Americans are well-versed about the availability of, and need for, major medical, home and vehicle insurances. But many simply don't know that critical illness coverage exists, never mind the financial relief it can offer to those who suffer a critical illness. Read the article.
Supplemental Insurance Helps Manage Costs of Cancer
Cancer affects millions of Americans nationwide, and for many, the diagnosis brings potentially devastating financial burdens – even if they have major medical insurance. It is for these reasons and more that voluntary cancer insurance is becoming increasingly important in helping consumers combat the high costs associated with a cancer diagnosis. Learn more about voluntary cancer insurance, what it is and how it can help cover costs major medical doesn’t. Read the article.
Short-Term Disability Insurance Key Component to Financial Protection
As Americans strive to safeguard their finances, one area gets little attention is disability insurance. Most workers underestimate their risk of experiencing a disability and overestimate the resources available to them. Voluntary disability insurance plays an important role in financial planning and safeguarding financial futures. Read the article.
Hospital Indemnity Plans Take the Sting Out of Hospital Bills
The high cost of hospital stays combined with the likelihood for any individual to require one in their lifetime, is driving a growing need for supplemental hospital indemnity insurance. Learn more about hospital indemnity insurance, what it is and how it can help cover costs major medical doesn’t. Read the article.
4 Important Ways to Protect Workforce Heart Health
Heart disease and stroke are among the nation’s leading causes of death and disability, as well as the most expensive medical conditions for businesses. Consider four important ways to protect heart health at your company. Read the article.
Accident Insurance Helps Provide a Financial Safety Net
Accidents happen. A common phrase tossed around, but a reality that can happen to anyone at any time. While major medical insurance may pay some costs, most people have expenses after an accident they never thought about before. From out-of-pocket medical costs to a temporary loss of income, a wide range of expenses can put a strain on your finances. Read the article.
5 Workforce Resolutions for a Happy, Healthy and Successful Year
Keeping resolutions can be difficult. Whether lack of motivation, busyness, or too many obstacles in the way, many Americans will make a New Year’s resolution this year, but only about 8 percent will keep and achieve their goal. As workers have health and wellness top of mind, here are a few simple ways your business can help empower a happy, healthy, and successful workforce. Read the article.
5 HR and Benefits Trends to Watch in 2013
Every year begins with expectations. This year employers must get down to business with health care planning and tackle new regulations associated with health care reform. With so many changes in sight, this year is sure to buzz with five important health care trends to watch in 2013. Read the article.
Is Your Organization a Talent Attractor or a Benefits Skeptic?
As your business strives to meet the challenges of today’s environment, how do your benefits options compare to those of your competitors? Does your benefits package demonstrate that you care about the welfare and satisfaction of your workforce? Learn more about the Aflac Benefits Assessment and common employer profiles to help your business recruit and retain a talented workforce. Read the article.
Are You an Active Protector or a Benefits Gambler?
The new online Wellbeing Assessment Tool from Aflac uses extensive data and an exhaustive analysis of benefits for employees across a wide range of industries and employer size. The result is one of five profiles that offer users realistic advice and actions to consider. Read the article.
Kick the Habit with 4 Smoking Cessation Workplace Options
Lung cancer is alarmingly common, but many cases are completely preventable. Workplace smoking cessation programs can help to decrease worker exposure to second-hand smoke and encourage tobacco users to quit. Read the article.
Designing Benefit Programs for Different Generations
When designing benefits programs for the generations, it is imperative to take a holistic look at each age cohort, including varying education levels, experiences, life factors and even personality characteristics. Each of these aspects plays a role in what options are best suited to a generation, and more importantly, that appeal to those workers enough to drive participation and enrollment. Read the article.
Why You May Want to Consider a Benefits Broker
Savvy employers have turned to benefits advisors for guidance, recommendations and resources to deliver world-class benefits for decades. However, an increasingly complex health insurance landscape has made benefits advisors and brokers even more valuable to organizations in recent years. Read the article.
Deciphering Life Insurance: What’s the Difference Between Term and Whole Life?
When deciding between term life and whole life insurance, the plan for you and your loved ones depends on your unique situation and what you want from your policy. A little information and making some basic decisions about your top priorities can quickly clarify which plan is best for you. Read the article.
Maximize Open Enrollment to Avoid Costly Financial and Health Outcomes
Over half (56 percent) of U.S. workers estimate they waste up to $750 a year because of mistakes they make with their insurance benefits. This article highlights common pitfalls and HR best practices, to prepare and educate your workforce during open enrollment and throughout the year. Read the article.
8 Health Care Reform Dates Every Small Business Needs to Know
While several provisions of the new Affordable Care Act (ACA) have already gone into effect, there are several key dates small business owners need to be aware of in the coming months and years. We’ve compiled a list, as well as several useful resources, to help you navigate important health care reform milestones. Read the article.
Group Plans in Demand: Advantages for Today's Workplace
Many organizations recognize that by making group voluntary insurance plans available, they can benefit from lower premium costs while also enhancing their core plan offerings. According to the 2012 Aflac WorkForces Report, offering group voluntary options can also increase worker satisfaction, better protect employees and increase employee productivity. Read the article.
2012 Industry Insights
New results from the 2012 Aflac Workforces Report reveal workforce trends that have a significant impact on U.S. Industries in 2012 and beyond. Read the articles:
HR Strategies that Drive C-Suite Results
HR leaders are strategically poised to influence, support and engage a company's workforce to impact business results. Recent HR and benefits trends from the 2012 Aflac WorkForces Report reveal strategies to help HR leaders build strong objectives and tactics to have a positive impact on their companies' bottom lines. Read the article.
Top Nine Benefits Enrollment Tips for Small Businesses
To help make this year’s open enrollment a success, our experts have compiled a list of the top nine benefits enrollment tips for you and your employees. Read the article.
Why Do Workers Leave?
For employers, curbing turnover costs has been a daunting task for decades, and now the ongoing war for talent is accelerating. The second annual Aflac WorkForces Report provides important insight into the workers who decide to quit and reasons behind why they do. Read the article.
Whats So Critical About Critical Illness Coverage?
Americans are well-versed about the availability of and need for major medical, home and vehicle insurances. But many simply don’t know that critical illness coverage exists, never mind the financial relief it can offer to those who suffer a critical illness. With new statistics and projections about the likelihood of suffering from a critical illness, it is important to convey the potential financial impact of being diagnosed with a critical illness without adequate voluntary insurance in place. Read the article.
The Wellness Movement: Examining the Role of Wellness Programs and Their Impact on America’s Workforce
Increasingly, companies embrace wellness programs and preventive care because of rising health care costs. Insights from the 2012 Aflac WorkForces Report delve into the current practices surrounding wellness programs, including return-on-investment (ROI), success rates, employee attitudes and best practices of effective programs. Read the article.
The Voluntary Advantage
The Aflac WorkForces Report reveals quantifiable advantages for companies that offer voluntary benefits options and whose workers opt-in to such policies. Read the article.
Executive Summary: Bringing Benefits to Bear for Business Performance and Profitability
The 2012 Aflac WorkForces Report, conducted in partnership with national polling firm Research Now, reveals insights to help companies rethink their approach to benefits use and delivery. This year’s groundbreaking study uncovers quantifiable connections between a variety of benefits aspects and their bearing on business performance. Read the article.
FIVE Trends to Help Brokers and Agents Adapt to a New Voluntary Insurance Market
There is no doubt that healthcare reform will change the health insurance business landscape. It will not only influence how brokers and agents market and sell to customers, but the role brokers and agents will play in the industry. Aflac has identified and uncovered five trends that stand to greatly influence the voluntary market, and that represent opportunities for agents and brokers to demonstrate resiliency and inventiveness. Read the article.
Supplemental Insurance Policies Can Help Increase Consumer-Driven Health Plan Participation
Consumer-driven health plans are becoming more popular coverage options for employees. But there are several factors that may deter the growth of HSAs/HDHPs. Education, communication and providing supplemental benefits options could potentially quell concerns and encourage enrollment. Read the article.
Group or Individual Insurance?
Now that some voluntary insurance providers, such as Aflac, offer group platforms to businesses with as few as 100 eligible employees, the decision to offer group plans over individual policies may become a bit of a guessing game for benefits managers. Read the article.
Aflac Helps IT Business "Accent" Its Employees' Affordable Benefits Coverage
Voluntary insurance approach extends creative and affordable solutions. Read the article.
Aflac Helps Ketcham Fencing Construct More Competitive Benefits Packages
Trusted voluntary insurance aids employee recruitment and retention. Read the article.
Indiana Furniture Partners with Aflac to Craft State-of-the-Art Employee Benefits
Furniture company receives "overwhelming" response to voluntary insurance options. Read the article.
3 Ways to Make Tax Time Part of Your Benefits Strategy
Tax time is just around the corner and, this year, many employees will see a new number on their W-2 statement: the dollar amount paid towards their health benefits. The new requirement, along with employees’ heightened focus on tax season offers a unique opportunity to boost benefits communications and highlight your company’s investment to attract, protect and retain a talented workforce. Read the article.
Protecting Your Assets: 5 Steps to Financial Health
In uncertain economic times, people are more focused than ever on protecting their assets. When you've worked long and hard to earn what you have, prudent planning can help make sure you're insured against unforeseen life events that could cost you your savings. Here are five steps consumers should take in order to help protect their financial health.
Read the article.
7 Key Facts Small Businesses Need to Know About Public Health Care Exchanges
As a small business leader, a SHOP exchange offers you new opportunities in the benefits marketplace, as well as with workforce recruitment and retention. This article covers common questions and answers to help you understand the details of these programs to make better informed decisions for your workforce. Read the article.
3 Important Reasons to Promote Breast Cancer Screenings to Your Workforce
When it comes to breast cancer, early detection is one of the best forms of prevention. Whether your business hosts a screening or encourages employees to schedule one with their physician, here are three important reasons to promote breast cancer screenings to your workforce. Read the article.