The Affordable Care Act imposes fees on issuers of specified health insurance policies and plan sponsors of applicable self-insured health plans to help fund the Patient-Centered Outcomes Research Institute (PCORI). PCORI is responsible for conducting research to evaluate and compare the health outcomes and clinical effectiveness, risks, and benefits of medical treatments, services, procedures, and […]
Achieving your financial objectives has a lot to do with how well you plan for your family’s future. It’s important to begin this process sooner rather than later because the demands of work and a busy family life can force long-term planning onto your “to-do” list. Being ready for unexpected expenses and having a plan […]
JD Hostetter – a siding and roofing company in Indianapolis When you own a home, there are always chores and tasks on your “To Do” list. Summer is the perfect time to attend to many outdoor projects and to plan ahead for others. And, if you can’t bear the thought of wasting precious outdoor time […]
Presented by: Christopher F. Hawthorne, CPCU, CIC A new tool has arrived to help business owners in reducing their Commercial Auto exposure risk. A basic for any driver is to have a valid license. Privacy laws and a very cumbersome Registry of Motor Vehicles inquiry system have been hurdles for business owners trying to carefully […]
Wellness Programs Introduction Employers may sponsor wellness programs as a means to promote better health and higher morale among employees, with the hope that helping employees to embrace a culture of health will lead to higher productivity with lower health-related costs. Wellness plans may be included in health insurance programs, or they may stand alone. […]
Self-employment can be rewarding personally and financially, but it comes with some tough challenges including long hours, an uncertain income, and a lack of structured benefits such as health insurance and retirement plans. But this is not the only reason it may be worthwhile to divert a sizable chunk of your earnings into tax-deferred retirement […]