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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…

This risk update is a feature presented by Oswald’s Aging Services Specialty Practice.

As Oswald has evolved over years of taking care of our employees and clients, it was evident to me – at the turn of this decade – that the landscape was changing. Clients, our team, the community; they were becoming more diverse. Diverse in the way they interact, diverse in…

As a professional woman, I have many responsibilities to juggle and a busy social life. The need to do more with less at work and home, leaves me, at times, stressed out. I’m sure you can relate to feeling overwhelmed and stressed out as you juggle both worlds. Here are…

As kids pack up and leave for college, they launch the next exciting chapter of their lives. While they celebrate, we parents keep on worrying from afar, a “skill” we’ve been practicing since the day they were born. We know they’re not quite fully grown yet—despite what they tell us…

Does your company need a risk management vehicle that not only protects your company, but also provides financial flexibility and return-on-investment? Oh, did we mention that you would also be the owner of this valuable risk management option. Captive insurance programs are an attractive alternative to high premiums and deductibles…

Cyber crime is a booming business for criminals. Businesses of all sizes are being targeted for scams that range from tech support scams, 401(k) disbursement scams, and phishing attacks. Crime as a Service (CaaS) allows criminals to purchase software and lowers the bar for entry into cyber crime. This offering…

This risk update is a feature presented by Oswald’s Aging Services Specialty Practice.

In today’s global marketplace, diversity and inclusion can set companies apart. Aside from simply being the right thing to do, it can also be a positive for a company’s profitability and innovation success. According to the McKinsey report “Diversity Matters,” companies in the top percentile for racial and ethnic diversity…

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…