Working Professionals Don’t Want to Go Back to the Office

The COVID-19 pandemic has had a profound effect on the nation's workforce, and one of the biggest changes is in the amount of people that are now working from home. A new survey has found that the majority of working professionals who were forced to start working remotely due to the pandemic would like to continue to do so after it has subsided, while 29% of professionals said they would quit if their employer decided not to allow telecommuting. The study by LiveCareer.com found that going forward 62% of professionals when looking for jobs in the future would look for companies…

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Why Even Single People Should Consider Life Insurance

Most singles be they in their 20s or even 50s do not carry life insurance. They reason that since they don't have spouses or dependents, there is no reason to purchase life insurance as their death won't leave anybody in a financial bind. But that reasoning is not always sound and there are a number of circumstances when a single person should consider carrying a life policy: They have debt One of the main expenditures of life insurance payout recipients is paying off the debts of the deceased policyholder. Singles may have debt and if anyone has co-signed on any…

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Are Injuries on Commute or in Parking Lot Covered?

When employees are injured on the job, they are eligible for workers' compensation benefits, but not if the accident occurs on their commute to or from work — in most cases, at least.  But how about if an employee is injured in your parking lot, or while running an errand for you after work? There are two rules that govern at which point a worker is eligible for benefits if they sustain an injury: The 'coming and going' rule Typically, workers' comp benefits won't be paid for injuries sustained during a daily commute. This is known as the "coming and…

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Feeling Down? Here Are Eight Natural Ways to Brighten Your Mood

It's normal for our mood and energy levels to fluctuate every now and then. However, it can affect our daily routine, including how we normally function in our everyday lives. This is especially true now, as the COVID-19 pandemic will have long-term effects on our collective mental health. While we can't always control what triggers our stress and mood changes, there are certain steps you can take to controlling them without having to resort to alcohol or other vices. Below are eight ways that you can boost your mood and mindset naturally.   Exercise Physical activity is one of the…

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New Rules Clear Up Workers’ Comp, Medicare Conflicts

A new law will make it easier for insurers to settle workers' compensation claims with older workers who are enrolled in Medicare, in an attempt to resolve an issue that can sometimes drive up premiums for affected employers. The law adds transparency by letting workers' comp insurers inquire about whether Medicare may have been used to pay for any part of the claim. Often this is shrouded in secrecy, requiring the insurer to add reserves to the claim to pay for any potential demands from Medicare to recoup outlays it may have made for treatment of the worker. Medicare is…

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How Rear AEB Technology Reduces Fender Benders

Have you ever been tailgating, and then the driver in front of you suddenly slams on their brakes? That situation requires swift reaction to avoid a collision. Fortunately, advanced safety systems are being unveiled every day in the auto industry that can prevent those types of accidents and make our roads safer for all users. A recent study looked at two types of automatic emergency braking (AEB) systems that have been touted as reducing vehicle collisions. What they found surprised them: Rear AEB systems had a considerably larger effect on reducing fender benders, while front AEB systems had a greater…

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DOL Issues New Definition of Independent Contractor

In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Because independent contractors are typically ineligible for employee benefits, businesses have an incentive to classify workers that way. The new regulation's purpose is to make answering the question easier. The regulation employs an "economic reality test" that courts have developed over the years. It asks "whether, as a matter of economic reality, the workers depend upon someone else's business for the opportunity to render service or are in business for themselves." This test…

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Simple Tips for Seniors to Avoid Medicare Fraud

Experts estimate that about $60 billion is lost annually due to Medicare fraud.  Consumers do not have to be Medicare beneficiaries to be affected by the high cost of fraud. Costs are passed down to all Americans in the form of increased insurance premiums, higher medical care outlays and inflated price tags on medical equipment.  Since Medicare fraud can affect any senior, it is beneficial to be proactive about preventing it. If any questions arise, you can call us to discuss a concern you may have about a potential fraud or scam. We may be able to refer policyholders to…

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