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We know you strive to provide benefits that protect your employees’ well-being and financial security. One area that often gets overlooked is the potential need for long-term care (LTC). LTC provides non-medical support for people who need help with daily activities, such as bathing, dressing or eating or those who…

One of the most challenging aspects of running an employee benefits program is finding a balance between quality and cost control. Oftentimes, the two seem to be at odds. However, with the right strategy in place, employers can offer cost-effective solutions without compromising on quality.   The cost of employer-sponsored health benefits continues to escalate, putting greater financial pressure on employers. Annual family…

CLEVELAND – January 28, 2026 – Oswald Companies, one of the country’s largest independent insurance brokerage and risk management firms, is pleased to announce the appointment of Deena Rini and Michael Clark as Co‑Managing Directors of its Health and Benefits Division. Rini joined Oswald in 2007 and has more than 15 years…

Early detection has the power to save lives.   When cancers are caught early, before they spread to other parts of the body, they have a higher likelihood of responding to treatments such as surgery or chemotherapy, research shows. Cancers that are not detected until later stages, on the other hand, are more difficult to treat and have limited…

As hybrid work environments become the norm, ensuring ergonomic safety for employees is more important than ever. A well-designed workspace reduces injury risk, boosts productivity and supports overall well-being. Whether you’re at a corporate desk or working remotely, small adjustments can make a big difference. Setting Up for Success at…

Transparency is about making things easy to understand. For many, the U.S. healthcare system is anything but easy to understand. From high costs to a lack of care continuity, navigating the system can be tricky.        The idea of “healthcare transparency” has been floated in recent years as a potential solution to the confusion. The thought is that making information about healthcare costs and treatment outcomes more accessible will help stakeholders, such as members and employers, make smarter healthcare…

Routine primary care is tied to better health outcomes and lower healthcare costs.    It is a simple idea, but as anyone who has dealt with the U.S. healthcare system knows, the reality is more complex.   Many patients wait weeks or even months to get an appointment with their primary care…

As benefit costs continue to escalate, many employers are searching for ways to gain more control over their expenses. One solution they may consider is using an alternative funding arrangement for their employee benefits.   Alternative funding arrangements can offer flexibility in plan design and opportunities for long-term cost savings. Unlike…

Gene and cell therapies offer the potential to transform the treatment pathway for patients with some of the most debilitating conditions. However, with costs routinely exceeding $1 million per treatment, these therapies can create a significant financial burden for employers. Spark Therapeutics’ Luxturna, a therapy for vision loss, costs $425,000…

A growing category of complex health conditions is contributing to high-cost claims, alongside established drivers such as cardiovascular disease and cancer.  Musculoskeletal disorders (MSK), conditions that affect muscles, bones, tendons, joints, ligaments, cartilage and spinal discs, have become increasingly common, affecting 127.4 million people in the U.S., research shows.    The…