According to the American Lung Association, smoking kills over 480,000 people every year. Few people would disagree that smoking is hazardous to their health, yet millions continue to take part in this unhealthy habit. The most recent data from the Centers for Disease Control and Prevention (CDC) shows a decline in U.S. adult smokers, but an estimated 34 million still smoke cigarettes. The World Health Organization (WHO) estimates that 1.1 billion adults worldwide smoke cigarettes. The tobacco epidemic is so pervasive that the WHO supports World No Tobacco Day, held annually on May 31. In honor of World No Tobacco Day this year, take some time to learn about the benefits of smoking cess

Whether you receive a W-2 or run your own business, leadership is important and an sought after skill. Leveling up your leadership in 2020 may mean returning to the fundamentals. For those of us in leadership roles, we’re often left pondering the meaning of our leadership and how to bring it to the next level. If you are not in a leadership role, keep reading for your own personal and business benefit! Sometimes the best way to improve is to simply reinforce some basic truths. Here are four that you should keep in mind while leveling up in 2020. 1. Stick to your values An essential way that leaders can get back to basics is by encouraging the best aspects of their team’s values. Empathy, vu

There’s a savings account with a potential advantage over your 401(k) plan — and it just might help you save on taxes. It’s your health savings account, and it’s offered alongside your high-deductible health-care plan. Not sure if you want a high-deductible, HSA compliant health-care plan? Read on before deciding to choose "the least expensive" monthly payment plan. You may be surprised. HSAs come with three main tax benefits: You can contribute to them on a pretax or tax-deductible basis, and your savings grow free of taxes over time. You can also make tax-free withdrawals to cover qualified medical expenses. There’s a fourth less well-known tax advantage: Contributions you make to your HSA

As health savings accounts grow in popularity, this is an opportunity for brokers. Employers are wondering if they should take the leap and offer them to their employees. They’ve heard of the tax advantages, and perhaps know about HSAs’ portability factor, but beyond that they might not even know what questions to ask. The benefits broker they’ve already established a relationship with is in a prime position to help them. For 2021, the annual limit on deductible contributions is $3,600 for individuals with self-only coverage under an HDHP (a $50 increase from 2020) and $7,200 for family coverage (a $100 increase from 2020). The limits on annual deductibles are also subject to annual inflatio

Thank you RCB & Associates, LLC for being a valuable partner in our efforts to combat the spread of coronavirus (COVID-19). Following the announcement of the state's first presumptive positive cases of COVID-19, Gov. Gretchen Whitmer and the (MDHHS) are providing recommendations designed to help prevent the spread of the virus. These recommendations apply at the individual, organizational, and community levels. They apply to businesses, workplaces, schools, community organizations, health care institutions, and individuals of all ages, backgrounds, and health profiles; everyone has an important role to play. Please take a moment to review the Interim Recommendations to Mitigate the Spread of

Starting July 1, 2020, Michigan drivers get a first-ever choice in the amount of medical benefits that they buy with auto insurance. The current no-fault system requires all drivers to buy potentially unlimited, lifetime medical benefits. Michigan has been the only state with such a requirement. People who pick lower levels of no-fault coverage will need to rely more on their health insurance after a bad accident. Overall, the revamped no-fault law is expected to lower Michigan's highest-in-the-nation auto insurance rates, especially in urban areas, and also lower the cost of treating auto accident victims. Because of no-fault's unlimited benefits, some health insurance plans in Michigan hav