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Insurance News

  • How to recruit and retain a diverse staff

    This article was originally published on Small Biz Daily

    Diversity in hiring is a huge competitive advantage today. Research has consistently shown that a diverse workforce is more productive, innovative, and drives higher levels of employee engagement.

    In fact, Dr. John Sullivan, in an article featured on TLNT, cites a study that shows that every added percent of diversity in hiring can result in a 9% increase in sales revenue. In this way, diverse talent can deeply impact business results. Recruiting and retaining a diverse staff may come with its own set of challenges, but the results are well worth the effort.

    Here are some tips and tricks to attract and retain a diverse workforce.

  • The QSEHRA vs. the HRA: What's the difference?

    For those unfamiliar with health reimbursement arrangements (HRAs), the endless acronyms can be confusing. This is especially true when considering different types of HRAs, such as the qualified small employer HRA (QSEHRA).

    The QSEHRA is merely one type of HRA, just like the New York Yankees are one type of Major League Baseball team. But for those who are just learning about reimbursement-based health benefits, that distinction can be difficult to understand.

    In this post, we’ll define the HRA and the QSEHRA, explore their relationship, and learn about other types of HRAs.

    Let’s get started.

  • FAQ: What is a Special Enrollment Period?

    A special enrollment period is a time when you’re allowed to make changes to your health insurance plan even though it’s not an open enrollment period.

    Special enrollment periods are standard with health insurance you get through an employer. Normally, you’re not allowed to sign up for health insurance or make any health plan changes except during the annual open enrollment period. However, certain qualifying events (including being offered a qualified small employer HRA or an individual coverage HRA) will trigger a special enrollment period allowing you to make changes for a certain period of time after the triggering event. If you don’t make the necessary changes to your health insurance during the special enrollment period, you’ll have to wait until the next open enrollment period to make any changes.

  • 6 tips for putting company policy info in the hands of your employees

    You did it: You’ve created company policies that provide structure without stifling your team. This is no small feat, and you should take a beat to congratulate yourself for creating the backbone to your company culture.

    Nevertheless, the next step—getting these policies in front of your employees—is a whole other, equally important step. If your employees don’t actively take in and consult your company policies, then what’s the use?

    The main trick to actually getting your company policy info into your employees’ hands will be setting up systems to make this policy info something your employees are keen to read—and read regularly.

    Of course, that’s much easier said than done, so consult these six steps to make it happen.

  • The ICHRA and premium tax credits: what are the rules?

    Employees participating in an individual coverage HRA (ICHRA) cannot collect premium tax credits. However, the federal government added some flexibility to the ICHRA rules.

    With an ICHRA, employees have a choice: they can either participate in the HRA and waive their right to premium tax credits, or they can opt out of the ICHRA and (if qualified) collect their premium tax credits.

    In this post, we’ll go over what the ICHRA regulations say about premium tax credits, how premium tax credits are affected by ICHRA availability, and what employees must do to opt in or out of the benefit.

    Let’s get started.

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