When thinking about employee benefits, insurance and the care for an injury or illness often come to mind. However, organizations can shift this mindset to a healthier approach by being more proactive and focusing on wellness. The goal is to urge employees to make healthier lifestyle choices every day, which…

Horses serve many purposes. They can be used to work, race, ride or just to own as pets, but they are a significant investment that should be protected. There are numerous types of insurance that can cover death, medical expenses, loss of use, and liability. Mortality: Most often used for…

In the face of impending market shifts, it’s vital to evaluate your pharmacy benefit manager (PBM) to make sure you’re getting the best value for your money, while also providing for the needs of your employees. Oswald Companies can maximize the value of your spend by evaluating all options available,…

A 2022 U.S. Supreme Court ruling essentially put an end to the use of affirmative action programs in college admissions, opening the door for similar rulings for private employers. Understanding what this could mean for your organization could help you protect it in the long run against claims of discrimination.…

The pharmacy landscape has evolved in recent years and 2024 is expected to bring even more challenges. Employers managing self-funded benefits should brace themselves for the onslaught by asking the following questions. One of the biggest difficulties facing employers is the emergence of new gene therapies. While advanced gene therapies…

The landscape of pharmacy benefits for employers with self-funded plans is undergoing seismic shifts, driven by several major trends that have substantial financial implications. Based on a review from the Kaiser Family Foundation of over 3,911 drugs, over 50% experienced price increases at or above the rate of inflation between…

Employee benefits are a vital component of any organization’s talent management strategy. Done well, they help attract top talent and contribute to employee satisfaction and retention. However, with great benefits come great responsibilities, particularly in the realm of compliance. Here are four reasons your company should make compliance a priority.…

Don’t assume that an athlete’s personal insurance (their general liability from a homeowner’s policy or personal umbrella coverage) or even the league itself will cover a player promoting their celebrity off the field. It’s important to know that this is NEVER the case, but insurance products are available through select…

As fall turns into winter, we lose daylight, and the weather creates challenging road conditions: one of the biggest winter risk and safety concerns. Review the following quick risk management best practices to support safer winter driving for yourself and your employees: Give yourself adequate time to reach your destination. Allow for an…

Losing your home to a fire or severe weather is stressful enough. The last thing you should have to worry about is not having enough insurance to rebuild it or to be fully reimbursed, but such worries are becoming more common as replacement costs have skyrocketed. So, why is it…