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Watch Roscoe on the Wealth Channel

Listen to Roscoe in an emotional Video for the Wealth Channel where he discusses the moral issues surrounding Persistent Vegetative States. Roscoe Douglas CLU, RHU, is a Partner with UnionServices.com and Presdent of First Benefits, inc.

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Insurance News

  • Best Practices for Employee Retention and Recruitment

    It seems like every week, a new article is published telling you why you should care about employee retention. It's an important topic, and the baseline for employee satisfaction changes continually.

    But if you run a small business with an even smaller human resources department, when would you have the time to create an employee retention program? There is good news for entrepreneurs with growing businesses, it doesn’t have to be rocket science.

    Here are some simple things you can do to provide a meaningful experience for your employees and why you can’t afford not to think about your employee retention strategy.

  • Pros and cons of group health insurance

    Group health insurance is a well-known, popular health benefit option. Most full-time workers have heard of group health insurance if not having been directly enrolled in a policy. Because of its popularity, employers often ask us about the upsides and the downsides of group health insurance. In this post, we’ll discuss what group insurance is, how it works, and it’s pros and cons.

  • HSA vs. FSA - What's the Difference?

    The difference between an HSA and an FSA

    the most important differences between an HSA and an FSA are as follows. An HSA is owned and controlled by the individual, whereas an FSA is owned and controlled by an employer. Therefore, individuals are able to continue their HSA after changing jobs which they cannot do with an FSA. Both accounts allow users to apply their savings funds to out-of-pocket medical expenses, and follow strict regulations enforced by the IRS.

  • Causes of Employee Turnover

    Turnover is influenced by many factors that generally come from two directions: external forces and internal forces. We have a bigger impact focusing on internal forces within the company’s control.

  • Health insurance for companies with employees in multiple states

    If you have workers spread across multiple states, you likely face unique challenges when it comes to providing health insurance to your employees.

    State-specific insurance requirements often make it difficult to cover every employee under a single plan. Fortunately, there are several ways to address this problem, which we list below.

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