The U.S. Supreme Court recently made a significant decision that will impact the structuring of buy-sell agreements for closely held companies. If you’re not familiar with such agreements, they are commonly used by business owners to ensure that, when one owner dies, their interest will be sold to the other…
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Insurance is a mystery to most organizations who go through the same transactional buying cycle each year. Tune in to learn the three key factors that determine a successful renewal outcome.
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With the hard insurance market continuing what may soon be a historical run, manufacturers and distributors across the country are clamoring to gain clarity and control of their terms and premiums. This hard market has many contributing factors, including rising replacement costs, capacity going down as losses pile up, and…
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January health insurance renewals will be here before you know it. As the employer, you can make sure you’re getting the best coverage for your employees and avoid any unexpected costs or gaps in your insurance. Just follow these steps: Review your current group plan: Coverage and benefits: Does your current…
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Premium allocation In a fully insured plan, 100% of the premium dollar goes to the carrier, which pays the claims and manages the plan. In a self-insured plan, up to 87 cents of each dollar covers claims. The remainder covers reinsurance and administrative fees. There are two types of reinsurance…
Read MoreProfessional athletes and coaches are often given vehicles from luxury automobile manufacturers or high-end auto dealerships with the intent of promoting a specific brand. While not expected to make monthly lease payments, the arrangement may come with a non-monetary consideration for the vehicle loan, such as signed merchandise and memorabilia,…
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The news has been full of cyberattacks recently and no organization is safe, regardless of its size. Cybercriminals are targeting for-profit and nonprofit organizations, public and private companies, and government entities. Their attacks are also becoming more sophisticated. Earlier this year, the website of the Pennsylvania courts system shut down…
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At Oswald, we’re committed to fostering growth and driving success for both our team and our valued clients. Hear more from Bill Fisher, managing director, benefits at Oswald Companies and Michael Clark, Pittsburgh market and benefits sales leader at Oswald Companies.
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Approach Could Save Employers Money Medical treatments are moving away from the one-size-fits-all approach to personalize illness prevention and treatment. Implementing this strategy improves the member experience and can help save employees and employers money on medical care. Precision medicine considers the unique differences in a person’s genetic makeup, environment…
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