The leading cause of death for males in the United States is heart disease—followed closely by cancer. Adhering to a healthy lifestyle can help you avoid becoming part of a statistic. What You Eat What you eat and drink can make a significant difference in your overall health. Eating five or more servings of fruits and vegetables a day, little saturated fat and no trans fats can improve your health and reduce your risk of developing heart disease and other chronic diseases. Know Your Risks Your genetics, environment and lifestyle all contribute to your health. These factors may put you at an increased risk for developing certain diseases or conditions. Since you can’t change some of those fa
Life events such as marriage, buying a house or the birth of a child can make your existing coverage insufficient. In a blink of an eye, you go from strollers to soccer games to graduation ceremonies. During this exciting and exhausting time of your life, it’s more important than ever to think life insurance. Your life is no longer just about you. If something would happen to you, the biggest gift your can give your spouse and children is a secure financial future. As an example, people buy term life insurance to cover their mortgage, expecting to pay it off over the years. However, over the years, as their family becomes larger, they buy a bigger house to suit their new needs. So now, they
Answering health care questions posed by employees can be stressful, especially when they’re unexpected. That’s why it’s best to take the time to fully prepare to address any concerns that may arise when your company renews or changes employee health benefits. Effective communication is crucial to ensuring that your employees understand the health plan options and services that are available to them. According to the International Foundation of Employee Benefits Plans, less than one-fifth of employers think their employees truly understand their benefits. But this is a problem that’s not impossible to reverse. The key to answering your employees’ health questions, whether in one-on-one sessi
Disability insurance is coverage that provides you with income protection should you lose time on the job due to an injury or illness. With disability coverage, you receive partial replacement of lost income. For working-age individuals, disability refers to a medical condition that reduces your ability to perform your job duties. What Is Long-term Disability Insurance (LTD)? LTD is a type of disability insurance coverage that pays employees a set percentage of their regular income after a specified waiting period. For example, if a worker is covered under short-term disability (STD) insurance as well, the LTD insurance would kick in once the STD policy is exhausted, typically after three t
