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Most people know that Michigan’s long-held no-fault auto insurance law is changing on July 2, 2020. At the heart of this change is the PIP (Personal Injury Protection) level that Michigan drivers will now be able to choose. PIP is the part of your auto insurance policy that pays claims…

We all need medical care at some point, and navigating the landscape can be confusing. Whether it’s an unplanned illness, emergency, planned procedure or test, health insurance plan members face access and care decisions at multiple entry points. A member’s journey might start with a primary care doctor, emergency room…

The fact Americans are living longer – an average of 78.7 years, nine years longer than in 1960 – is attributed to many factors – healthier lifestyles, better access to medical care, and advances in health care practices and medicines. The use of prescription drug plans has become a staple…

What is Medicare? Medicare is the health insurance program run by the Federal Government. It is available to those 65 and older, those under 65 with certain disabilities, and those with end-stage renal disease. If you don’t sign up when first eligible at age 65 and don’t have qualifying coverage…

CLEVELAND – Oct. 7, 2019 – Oswald Companies, one of the largest independently owned insurance brokerages in the U.S., has announced the acquisition of UROne Benefits®. UROne Benefits® is a health insurance and Medicare benefits brokerage firm, based in Litchfield, Ohio, which specializes in delivering individual and family health insurance,…

Inertia can set in as employers struggle to balance escalating benefits costs with organizational financial targets. For employers, passing along higher costs to employees seems to be the easiest and most traditional way to sustain benefits programs. Meanwhile, employees often passively enroll in same original plan they chose when first…

Since Michigan’s new Paid Medical Leave Act went into effect on March 29, 2019, most employers with at least 50 employees are now required to provide up to 40 hours of paid time off for eligible employees each year. Which Employers and Employees are Exempt from the New Law? Certain employers…

Global mobility has increased in the past 10 years, according to a study by the National Foreign Trade Council. The same study reports that the number of longer-term (six months or more) expatriated employees has decreased and shorter-term assignments of less than six months continue to benefit companies through the…

With a tight labor market and fierce competition for top-end talent, employers are under pressure to develop benefits packages that are both a recruiting asset and an avenue for improving the health and wellness of employees. A recent Wall Street Journal article examined the steps employers are taking to advance…

Since it was signed into law in 1993, the Family and Medical Leave Act (FMLA) has been an on-going challenge for HR professionals.  Simply put, it was designed to prevent employees from losing their jobs when forced to take time off due to their own serious health condition or that…