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We stay on top of the changes in the insurance landscape so that you don't have to.

Wednesday, May 24, 2023

On May 16, 2023, the Internal Revenue Service (IRS) announced the new limits for high-deductible health plans (HDHPs), health savings accounts (HSAs), and excepted benefit health reimbursement arrangements (EBHRAs) in Revenue Procedure...

Monday, May 15, 2023

UBA Compliance Recap | April 2023While the compliance focus for April continues to be on the Prescription Drug Data Collection (RxDC) of the Consolidated Appropriations Act, 2021, the Centers for Medicare and Medicaid Services (CMS)...

Monday, May 8, 2023

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, May 1, 2023

Q1: What plans does the PCORI fee apply to?A1: All plans that provide medical coverage to employees owe this fee. Medical coverage includes preferred provider (PPO) plans, health maintenance organization (HMO) plans, point-of-service...

Sunday, April 23, 2023

The Biden administration has announced its intent to end the COVID-19 National Emergency (National Emergency) and the COVID-19 Public Health Emergency (PHE) effective May 11, 2023. As a result, group health plans will no longer be...

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Monday, April 17, 2023

The Department of Health and Human Services (HHS) has released revised instructions for group health plans to report prescription drug and health care spending data, as required by the Consolidated Appropriations Act, 2021 (CAA). This data

Thursday, April 13, 2023

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond the ca

Friday, April 7, 2023

After a slow start to the year in compliance, March ramped up with FAQs from the Department of Labor (DOL), the Department of Health and Human Services (HHS), and the Internal Revenue Service (IRS) (the “Agencies”) on the gag clause provisi

Tuesday, March 28, 2023

Gain knowledge about ever-evolving employee benefits from industry leaders. Join us for the UBA Employee Benefits Webinar series on the third Tuesday of every month. UBA hosts a live 45-minute intermediate-level employee benefits webinar

Tuesday, March 21, 2023

On February 23, 2023, the Department of Labor (DOL), the Department of Health and Human Services (HHS), and the Internal Revenue Service (IRS) (the “Agencies”) released FAQs addressing the implementation of certain transparency requirements

Monday, March 13, 2023

February saw the start of Affordable Care Act (ACA) reporting for health coverage provided in 2022. The ACA reporting deadlines range from February 28 to March 31, 2023, and the state deadlines range from January 31,2023 to April 30, 2023.

Tuesday, March 7, 2023

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond the ca

Monday, February 20, 2023

President Biden Reveals Plan to End National COVID-19 EmergencyOn January 30 President Biden issued a statement of policy to Congress in which he announced that the administration plans to end both the National Emergency related to...

Wednesday, February 15, 2023

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, February 7, 2023

2023 began quietly as the dust settles around open enrollment and the plan changes that can come with it. Proposed End to the Public Health Emergency and the COVID-19 National Emergency. In a statement made through the Office of...

Thursday, January 26, 2023

Since 2015, federal agencies have been required to annually review the laws and regulations they enforce to adjust applicable penalties for inflation. These adjustments, or so the theory goes, provide higher incentives for plan...

Tuesday, January 24, 2023

‘Tis the season for applicable large employers (ALEs) to scramble to meet their Affordable Care Act (ACA) obligation to provide full-time employees with individual statements that provide group health coverage information...

Tuesday, January 17, 2023

US Department of Labor Releases Informational Copies of 2022 Form 5500 Series Annual Return and Report Informational copies of the 2022 Form 5500, Form 5500-SF, and their related instructions were released by the U.S. Department of...

Tuesday, January 10, 2023

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Friday, January 6, 2023

Continuing Appropriations Act Extends HDHP Relief for Telehealth Services President Biden last week signed the Continuing Appropriations Act, 2023 (CAA 23) to provide funding for the federal government through the current fiscal year....

Friday, December 23, 2022

The IRS recently released revised guidance to permit employers to amend their cafeteria plans to allow mid-year election changes when an individual related to a plan participant is eligible to elect a qualified health plan on the...

Thursday, December 15, 2022

In November, the IRS released revised guidance to address the so-called "family glitch," permitting employers to allow mid-year election changes when someone related to a plan participant is eligible to elect a qualified health plan on...

Friday, December 9, 2022

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, November 29, 2022

Cafeteria Plans: Change in Status Events and Permissible Employee Election Changes Cafeteria plans are governed by IRS Code Section 125 and allow employers to help employees pay for expenses such as health insurance with pre-tax dollars...

Thursday, November 10, 2022

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, November 7, 2022

IRS Announces Increased Limits for Certain Employee Benefits, Higher Fines for ACA Reporting Failures Each year, just as the leaves turn to the fiery shades of autumn, the Internal Revenue Service (IRS) announces how much more...

Tuesday, October 25, 2022

Final Rule Resolves “Family Glitch” for ACA Marketplace CoverageThe Department of the Treasury recently issued final regulations to make the premium tax credit (PTC) for Marketplace health coverage available to more...

Tuesday, October 18, 2022

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, October 13, 2022

September was a relatively quiet month in compliance as employers continue the ramp-up to open enrollment.Prescription Drug Cost ReportingWith a due date of December 27, 2022, prescription drug cost reporting is looming large in...

Thursday, October 6, 2022

After you see a doctor and receive your insurance statement, also called an Explanation of Benefits (EOB), trying to decipher the money you spent, the money you are due, and the money you owe can be very confusing. An EOB is not a bill...

Monday, September 26, 2022

Sept. 2, 2022 The Affordable Care Act (ACA) includes numerous requirements for applicable large employers (ALEs) to meet to maintain compliant group health plans. Many of these requirements change annually, so we provide you this...

Wednesday, September 21, 2022

August was a busy month, with employers buzzing about transparency, reporting, and more. As we wrap up the summer season of the 2022 benefits compliance calendar, be mindful of these important issues.2023 ACA Facts and FiguresThe...

Thursday, September 15, 2022

The Center for Medicare/Medicaid Service (CMS) requires employers to provide an annual “Notice of Creditable Coverage” to all Medicare-eligible employees and their beneficiaries, or ALL employees if you do not track...

Thursday, September 8, 2022

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, September 1, 2022

Departments Issue Final Rules to Clarify Dispute Resolutionand Transparency under No Surprises ActAug. 26, 2022On August 19, the U.S. Departments of Health and Human Services, Labor, and the Treasury (the Departments) released final...

Thursday, August 25, 2022

Health Plan Disclosure Requirements for Prescription DrugsUnder the Affordable Care Act (ACA) transparency-in-coverage (TiC) rules and provisions of the Consolidated Appropriations Act, 2021 (CAA), group health plan sponsors must both...

Monday, August 15, 2022

Compliance Recap I June/July 2022The summer has seen a flurry of compliance-related activity, most notably the landmark decision issued by the U.S. Supreme Court to overturn Roe v. Wade. As we move into the second half of the 2022...

Thursday, August 11, 2022

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond the ca

Sunday, June 26, 2022

What is telemedicine? Imagine never having to leave your couch or workplace to see a doctor. Schwartz Insurance Group can assist with Employee Benefits Insurance and how it fits into your company's insurance coverage.

Sunday, June 26, 2022

There are several common causes of security breaches, and by learning some basic data breach prevention techniques, businesses can often prevent one from occurring.

Monday, January 10, 2022

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, January 6, 2022

Employers are now offering a wide variety of family-friendly benefits in an attempt to attract top talent. Due in part to an increasingly competitive job market, more inclusive options are becoming a necessary trend...

Tuesday, January 4, 2022

It’s a well-known fact that today’s workforce is super-stressed and overwhelmed. Such a problem can lead to serious health issues and cause employees to be unmotivated and perform poorly. It’s a concern for employers,...

Friday, December 31, 2021

A leading cause of compensation claims for contractors is overexertion from common tasks, such as lifting, stooping, kneeling and twisting, reaching overhead and working in awkward positions. All of these motions can cause chronic...

Thursday, December 16, 2021

Companies that don’t have normal business hours generally find many positives with regards to allowing shift work. Healthcare facilities, call centers, and manufacturing warehouses are some of the most common industries that use...

Wednesday, December 8, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, December 6, 2021

Many people have a plan in place for when they are snowed in at home, but what if your place of business is hit by a massive winter storm? Are you ready to do battle? Here are some suggestions to help prepare you for combating the...

Thursday, December 2, 2021

No one wants to be thought of as a “Scrooge,” so even if you, as an employer, have had a bad experience in the past, it is doubtful you would ever decide to ban the holiday office party. However, that doesn’t mean you...

Friday, November 26, 2021

The holiday season has arrived! Here are thirteen home and personal safety tips to keep you, your family, and your property and workplace safe:Turn Off -  Always turn holiday lights off if you leave the house or go to bed....

Monday, November 22, 2021

The violent winds of a tornado, the destruction caused by a sudden fire, the devastation of raging flood waters ... all are common hazards that businesses seek protection from by purchasing insurance, since these risks are clearly...

Tuesday, November 16, 2021

Why do frozen pipes often lead to major problems for home and business owners? Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or...

Wednesday, November 10, 2021

Car accidents can be traumatic, and the last thing you need to worry about after having one is how you’re going to get to and from work every day while your vehicle is being repaired. Trying to arrange alternate transportation...

Monday, November 8, 2021

It’s nice to know someone always has your back. Too often, you hope those around you are willing to help when needed, but you don’t really know for certain until a challenging situation arises.

Thursday, October 28, 2021

Improving your company culture takes time and careful planning. It’s not as simple as merely implementing new procedures and issuing memos to employees. Leaders with integrity need to be appointed who will uphold your...

Thursday, October 21, 2021

Ever wonder why some of your company’s very best employees quit? There are many possible reasons, and oftentimes supervisors bear the blunt of the blame for not managing their teams properly, or for creating a toxic work...

Friday, October 15, 2021

The elements can be hard on that roof over your head. Prolonged exposure to inclement weather and extreme temperatures can cause damage and lead to costly problems inside of your home or business.  An...

Wednesday, October 13, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, October 7, 2021

According to an article in Employee Benefit News, a poll from benefits provider Unum found that the most coveted employee benefits have to do with flexible work options and absence management.The company gave survey...

Friday, October 1, 2021

A health savings account (HSA) is a tax-exempt trust or custodial account set up with a qualified HSA trustee (such as a bank or insurance company) that is used to pay or reimburse certain medical expenses.HSAs were first available as...

Monday, September 27, 2021

Age discrimination – specifically the practice of hiring younger workers in favor of older ones – is a growing problem in the United States and across Europe. Ageism makes less and less economic sense as birth rates go down...

Tuesday, September 21, 2021

Summer is officially over and winter is just around the corner. Now is a good time to prepare your home for cooler temps and unpredictable weather conditions.A Reader’s Digest article (via BobVila.com)...

Wednesday, September 15, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Tuesday, August 24, 2021

As pointed out in an Employee Benefit News article, critical illness insurance has been around for three decades, but it’s still growing and evolving to meet the ever-changing needs of employees.Sales of critical...

Thursday, August 19, 2021

An article on business.org points out that many businesses choose to offer a retirement plan, and not just for their employees’ advantage. With a 401(k), an employee is allowed to deposit a percentage of their...

Monday, August 16, 2021

Insurance jargon can be confusing to those who don’t use it every day (just like in ANY industry). But, with insurance, it’s important that YOU understand what the words on your policies mean so you can...

Thursday, August 12, 2021

While it’s true that many car fires are caused by collisions, they are also often caused by problems with electrical wiring, the fuel system, or lit cigarettes that have been left in the vehicle.It goes without saying that...

Tuesday, August 10, 2021

Individuals born after 1996 are undeniably tech-savvy. More than any other generation, they realize how a workplace can be transformed by utilizing technology. According to a recent article in Employee Benefit News, an...

Friday, July 23, 2021

According to an article on webmd.com, hundreds of road-rage incidents are reported every year in the United States.Road rage, defined by the AAA Foundation for Traffic Safety as "any unsafe driving maneuver performed...

Thursday, July 15, 2021

Today’s workforce can consist of employees from three to five generations, with each group having different needs. That’s why it’s important to build a multi-generational benefits strategy.While Baby Boomers who are...

Tuesday, July 13, 2021

According to a study by Princeton Survey Research Associates International, Millennials are widely regarded as the most underinsured generation. This could be because so many people believe that having a financial security net is a...

Friday, July 9, 2021

So, you’ve decided to strike out on your own and start a home-based business. Congratulations on pursuing your passion! Whether you’re operating a few hours a day or 24/7, you need to be certain you have the proper...

Wednesday, July 7, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, July 5, 2021

Everyone seems to be in a hurry these days, both on and off the roads. Add a normal dose of distractions to the mix and this can lead to problems on the highway as well as in parking lots."A study done a few years ago by the Insurance...

Wednesday, June 23, 2021

What would happen if your business suffered a fire or flood, or if a defective product produced by your company generated bad publicity? If you haven’t already, right now is definitely the time for your organization to create a...

Thursday, June 17, 2021

As noted in an informative HomeAdvisor.com article, a burglary takes place about every 18 seconds in the United States. That adds up to nearly 200 per hour and approximately 4,800 every day. These are startling...

Sunday, June 6, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, June 3, 2021

Attached garage fires accounted for about 2% of all residential building fires reported to the National Fire Incident Reporting System from 2009 to 2011. Overall, 2% might not seem like a lot, but it equates to 6,600 individual fires...

Thursday, May 27, 2021

'Tis the season for enjoying the outdoors and grilling out - and homeadvisor.com has shared a safety tip sheet that everyone would be wise to follow. Cooking appliances caused roughly 156,000 house fires from 2007...

Thursday, May 13, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, April 29, 2021

Worksite wellness programs continue to increase in popularity, in good part because employers are hoping to encourage improvement in their employees’ health and reduce health insurance spending. Benefit managers must decide on...

Tuesday, April 27, 2021

There is a good chance that you may be paying too much for your personal automobile insurance. This is particularly true if you are unaware of the numerous auto insurance discounts out there in the marketplace. The following are...

Wednesday, April 21, 2021

Every year, southern states are usually hit the hardest when it comes to spring storms and tornadoes. But severe (unpredictable) weather can strike in any area of the country.  According to www.weather.gov, an average of 21...

Tuesday, April 13, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Friday, March 26, 2021

Most people look forward to the arrival of spring, but many of us have a good (or bad) reason to dread the season: allergies. Irritating symptoms like itchy, swollen eyes, a runny nose and sore throat can make those warm, sunny days...

Tuesday, March 16, 2021

It’s March, and you’re probably intending to reserve a weekend soon for the annual task of spring cleaning. Don’t forget that home maintenance – both indoors and out – should be a big part of the plan...

Monday, March 8, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Tuesday, March 2, 2021

Everybody knows that you shouldn’t drink and get behind the wheel of a car. However, not everyone realizes that prescription drugs can also impair a person’s ability to drive or operate machinery.Even if a person does know,...

Wednesday, February 24, 2021

Creating an awards system for workers or celebrating an employee’s birthday are positive examples of company culture. The larger the company, the more perks a business will usually offer.As pointed out in an Employee Benefit...

Monday, February 8, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Monday, January 11, 2021

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Tuesday, December 15, 2020

Many people have a plan in place for when they are snowed in at home, but what if your place of business is hit by a massive winter storm? Are you ready to do battle? Here are some suggestions to help prepare you for combating the...

Monday, December 7, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, December 3, 2020

Why do frozen pipes often lead to major problems for home and business owners? Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or...

Tuesday, December 1, 2020

House fires become more common as the weather gets colder. Each year, over 3,000 people are killed in home fires or die as a result of burn injuries, and eight out of ten fire-related deaths occur at home.In an informative U...

Friday, November 27, 2020

The holiday season has arrived! Here are thirteen home and personal safety tips to keep you, your family, and your property and workplace safe:Turn Off -  Always turn holiday lights off if you leave the house or go to bed....

Wednesday, November 11, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Tuesday, November 3, 2020

Companies are well aware that in today’s competitive job market, it is necessary to offer employees healthcare and voluntary benefits to attract and retain talent. Not surprisingly, more and more employers over the last five...

Tuesday, October 20, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Wednesday, October 14, 2020

Schwartz Insurance Group is proud to have hard-working employees who are second to none when it comes to dedication in their respective fields, and team member Charlie Stoddard is no exception.In 2016, he was recognized by the Centers...

Monday, September 28, 2020

After you see a doctor and receive your insurance statement, also called an Explanation of Benefits (EOB), trying to decipher the money you spent, the money you are due, and the money you owe can be very confusing.Instead of tossing...

Tuesday, September 22, 2020

Summer is officially over and winter is just around the corner. Now is a good time to prepare your home for cooler temps and unpredictable weather conditions.A Reader’s Digest article (via BobVila.com)...

Monday, September 14, 2020

Whether your property’s been damaged by a flood or fire or you simply need your roof repaired after a hail storm, hiring the right restoration company is key. To find a reputable business, you need to do more than search for...

Tuesday, September 8, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Friday, September 4, 2020

Everyone seems to be in a hurry these days, both on and off the roads. Add a normal dose of distractions to the mix and this can lead to problems on the highway as well as in parking lots."A study done a few years ago by the Insurance...

Tuesday, September 1, 2020

Younger employees have a tendency to believe they will always be healthy. They don’t worry about the future and the possibility that they could become disabled. As the years go by, it becomes more and more likely that a person...

Thursday, August 20, 2020

Companies that don’t have normal business hours generally find many positives with regards to allowing shift work. Healthcare facilities, call centers, and manufacturing warehouses are some of the most common industries that use...

Tuesday, August 18, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Friday, August 14, 2020

The violent winds of a tornado, the destruction caused by a sudden fire, the devastation of raging flood waters ... all are common hazards that businesses seek protection from by purchasing insurance, since these risks are clearly...

Wednesday, August 12, 2020

Car accidents can be traumatic, and the last thing you need to worry about after having one is how you’re going to get to and from work every day while your vehicle is being repaired. Trying to arrange alternate transportation...

Tuesday, July 21, 2020

The elements can be hard on that roof over your head. Prolonged exposure to inclement weather and extreme temperatures can cause damage and lead to costly problems inside of your home or business.An informative article on...

Wednesday, July 15, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, July 2, 2020

As pointed out in an Employee Benefit News article, critical illness insurance has been around for three decades, but it’s still growing and evolving to meet the ever-changing needs of employees.Sales of critical...

Thursday, June 25, 2020

Summer is finally here, and odds are many of your employees are planning their vacations. As pointed out in an article in Employee Benefit News, in recent years employers came to the realization that they need to offer...

Monday, June 15, 2020

It’s a fact that small companies need to compete for talented workers just like the big ones do – but they don’t have the necessary funds to provide employees with lavish benefits. However, if you own a small business...

Thursday, June 11, 2020

'Tis the season for enjoying the outdoors and grilling out - and homeadvisor.com has shared a safety tip sheet that everyone would be wise to follow.Cooking appliances caused roughly 156,000 house fires from 2007 to 2011...

Friday, May 15, 2020

Individuals born after 1996 are undeniably tech-savvy. More than any other generation, they realize how a workplace can be transformed by utilizing technology.According to a recent article in Employee Benefit News, an...

Wednesday, May 13, 2020

Work-Life balance continues to be a challenge for many employees; consequently, more and more of them are looking to their employers for help with personal needs – especially when it comes to caregiving.Companies today should be...

Thursday, May 7, 2020

According to a study by Princeton Survey Research Associates International, Millennials are widely regarded as the most underinsured generation. This could be because so many people believe that having a financial security net is a...

Tuesday, May 5, 2020

Age discrimination – specifically the practice of hiring younger workers in favor of older ones – is a growing problem in the United States and across Europe. Ageism makes less and less economic sense as birth rates go down...

Friday, May 1, 2020

Worksite wellness programs continue to increase in popularity, in good part because employers are hoping to encourage improvement in their employees’ health and reduce health insurance spending. Benefit managers must decide on...

Thursday, April 23, 2020

There is a good chance that you may be paying too much for your personal automobile insurance. This is particularly true if you are unaware of the numerous auto insurance discounts out there in the marketplace. The following are...

Tuesday, April 21, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Monday, April 13, 2020

Attached garage fires accounted for about 2% of all residential building fires reported to the National Fire Incident Reporting System from 2009 to 2011. Overall, 2% might not seem like a lot, but it equates to 6,600 individual fires...

Tuesday, April 7, 2020

What would happen if your business suffered a fire or flood, or if a defective product produced by your company generated bad publicity? If you haven’t already, right now is definitely the time for your organization to create a...

Friday, April 3, 2020

As noted in an informative HomeAdvisor.com article, a burglary takes place about every 18 seconds in the United States. That adds up to nearly 200 per hour and approximately 4,800 every day. These are startling...

Monday, March 30, 2020

Most people look forward to the arrival of spring, but many of us have a good (or bad) reason to dread the season: allergies. Irritating symptoms like itchy, swollen eyes, a runny nose and sore throat can make those warm, sunny days...

Thursday, March 26, 2020

Today’s workforce can consist of employees from three to five generations, with each group having different needs. That’s why it’s important to build a multi-generational benefits strategy.While Baby Boomers who are...

Wednesday, March 25, 2020

An article on business.org points out that many businesses choose to offer a retirement plan, and not just for their employees’ advantage. With a 401(k), an employee is allowed to deposit a percentage of their...

Tuesday, March 24, 2020

The outbreak of COVID-19 raises issues of personal and business safety, including its impact on benefits.  To address the most common, pressing issues, we have compiled actionable information to help you make business decisions,...

Friday, March 20, 2020

It’s March, and you’re probably intending to reserve a weekend soon for the annual task of spring cleaning. Don’t forget that home maintenance – both indoors and out – should be a big part of the plan...

Wednesday, March 18, 2020

Every year, southern states are usually hit the hardest when it comes to spring storms and tornadoes. But severe (unpredictable) weather can strike in any area of the country.  According to www.weather.gov, an average of 21...

Thursday, March 12, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, February 25, 2020

Insurance jargon can be confusing to those who don’t use it every day (just like in ANY industry). But, with insurance, it’s important that YOU understand what the words on your policies mean so you can...

Friday, February 21, 2020

We often get phone calls, emails, voicemails and letters from clients and colleagues telling us about the outstanding service they received from one of our associates. Recently, Schwartz Insurance Group received a letter from a medical...

Monday, February 17, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Friday, February 7, 2020

House fires become more common as the weather gets colder. Each year, over 3,000 people are killed in home fires or die as a result of burn injuries, and eight out of ten fire-related deaths occur at home.In an informative U...

Wednesday, February 5, 2020

Unfortunately, we live in a litigious society. And some individuals, particularly those with greater wealth, have a higher-than-normal loss exposure to lawsuits (International Risk Management Institute). This tendency is often referred...

Tuesday, January 28, 2020

Companies are well aware that in today’s competitive job market, it is necessary to offer employees healthcare and voluntary benefits to attract and retain talent. Not surprisingly, more and more employers over the last five...

Thursday, January 16, 2020

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Tuesday, January 14, 2020

Social Security numbers (or SSNs) used to be tied just to your Social Security benefits. Now, that number is tied to just about everything used to identify you. In this age of identity theft, your Social Security number is one of the...

Friday, January 10, 2020

Everybody knows that you shouldn’t drink and get behind the wheel of a car. However, not everyone realizes that prescription drugs can also impair a person’s ability to drive or operate machinery.Even if a person does know,...

Monday, December 30, 2019

Creating an awards system for workers or celebrating an employee’s birthday are positive examples of company culture. The larger the company, the more perks a business will usually offer.As pointed out in an Employee Benefit...

Monday, December 23, 2019

It is important to employers to make sure their employees are covered by disability insurance and that plan members can access the coverage easily. However, if you are an HR professional, you need to be aware that there are some...

Tuesday, December 17, 2019

For quite some time now, people have been joking that technology might eventually steal away their jobs. For certain employees these days, that fear rings especially true. As mentioned in an Employee Benefit News article...

Monday, December 16, 2019

Schwartz Insurance Group is proud to have hard-working employees who are second to none when it comes to dedication in their respective fields, and team member Charlie Stoddard is no exception. He was recently recognized by the Centers...

Wednesday, December 11, 2019

The number of employees working from home has increased by 11% since 2014 (according to SHRM). But when the reason for telecommuting is a medical one, it can pose challenges for HR managers.As pointed out in...

Thursday, December 5, 2019

No one wants to be thought of as a “Scrooge,” so even if you, as an employer, have had a bad experience in the past, it is doubtful you would ever decide to ban the holiday office party. However, that doesn’t mean you...

Tuesday, December 3, 2019

If you’ve been forced into early retirement, you may be wise to heed the following advice detailed in an informative article in Employee Benefit News.Seniors should weigh their options carefully before making any...

Friday, November 29, 2019

The holiday season has arrived! Here are thirteen home and personal safety tips to keep you, your family, and your property and workplace safe:Turn Off -  Always turn holiday lights off if you leave the house or go to bed....

Friday, November 22, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Wednesday, November 20, 2019

Many people have a plan in place for when they are snowed in at home, but what if your place of business is hit by a massive winter storm? Are you ready to do battle? Here are some suggestions to help prepare you for combating the...

Friday, November 8, 2019

Why do frozen pipes often lead to major problems for home and business owners? Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or...

Wednesday, November 6, 2019

Employers are now offering a wide variety of family-friendly benefits in an attempt to attract top talent. Due in part to an increasingly competitive job market, more inclusive options are becoming a necessary trend...

Wednesday, October 23, 2019

After you see a doctor and receive your insurance statement, also called an Explanation of Benefits (EOB), trying to decipher the money you spent, the money you are due, and the money you owe can be very confusing.Instead of tossing...

Tuesday, October 22, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, October 3, 2019

If you were to ask one of your employees if they were ready for open enrollment, they would probably say yes – but chances are they’ve spent very little time getting prepared.According to an Employee Benefit...

Friday, September 20, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Wednesday, September 18, 2019

If your company manages any type of personal consumer data, you are undoubtedly aware that there is great cause for concern these days. Cyberattacks are on the rise, as evidenced by the breach last year that put millions of Facebook...

Monday, September 9, 2019

One morning your employee calls in sick, claiming his gout has flared up. Later that day, you notice a photo online showing the same worker who’s using intermittent medical leave sliding into home base on a ball field. How can...

Tuesday, September 3, 2019

Younger employees have a tendency to believe they will always be healthy. They don’t worry about the future and the possibility that they could become disabled. As the years go by, it becomes more and more likely that a person...

Monday, August 26, 2019

A big part of financial wellness is having an emergency savings account. However, according to a 2018 survey, 5.5 million Americans reported they had no money saved at all. As a result, many employees end up borrowing from their 401(k)...

Thursday, August 22, 2019

Unsurprisingly, employees tend to be more distracted during the summer months. It stands to reason that providing them with a perk that allows them more time off to enjoy the long days and warm weather would boost morale and lead to a...

Tuesday, August 20, 2019

The opioid crisis in the U.S. has reached epidemic proportions. There’s little doubt that most companies will feel its effect on their workforce sooner rather than later – whether they wish to admit it or not...

Monday, August 19, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, August 16, 2019

Whether your property’s been damaged by a flood or fire or you simply need your roof repaired after a hail storm, hiring the right restoration company is key. To find a reputable business, you need to do more than search for...

Wednesday, August 14, 2019

Each year in the U.S., thousands of people are left traumatized by a tragedy they didn’t see coming. One example is the mass shooting that took place at a Las Vegas music festival in October of 2017, leaving 58 dead and 851...

Monday, August 12, 2019

While it’s true that many car fires are caused by collisions, they are also often caused by problems with electrical wiring, the fuel system, or lit cigarettes that have been left in the vehicle.It goes without saying that...

Thursday, August 8, 2019

Protecting your jewelry, whether it was bought or handed down to you, should be an important part of your personal insurance process. Most people believe that homeowners insurance policies automatically cover jewelry in the case of...

Tuesday, August 6, 2019

Business owners are faced with a wide variety of unforeseen circumstances that create risk. Most try to insulate themselves in some way by securing different types of insurance policies. General liability insurance covers accidents and...

Wednesday, July 31, 2019

Over the last few years, benefits that support working parents have become increasingly popular. Options in the way of financial wellness, paid parental leave and flexible scheduling can help parents balance their work and home life...

Monday, July 29, 2019

According to an article in Employee Benefit News, a poll from benefits provider Unum found that the most coveted employee benefits have to do with flexible work options and absence management.The company gave survey...

Tuesday, July 23, 2019

Companies these days are more focused on their younger generations of employees – Millennials and Generation Z. Baby Boomers also get a lot of attention when it comes to their retirement plans. So it’s unsurprising that...

Wednesday, July 17, 2019

The violent winds of a tornado, the destruction caused by a sudden fire, the devastation of raging flood waters ... all are common hazards that businesses seek protection from by purchasing insurance, since these risks are clearly...

Tuesday, July 16, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment above and beyond...

Thursday, June 13, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, May 15, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, April 16, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, March 8, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, February 18, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Saturday, January 12, 2019

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, December 24, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, November 16, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, October 11, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, September 19, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, August 22, 2018

One would think that workers of any age would be concerned about the possibility of an unexpected injury or health issue, and would therefore take advantage of voluntary benefits offered by their employers – such as critical...

Thursday, August 16, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, June 29, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, May 14, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, April 16, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, March 27, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, February 14, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, January 11, 2018

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, December 29, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, December 20, 2017

According to a recent Gallup poll, at least half of American workers are disengaged at their jobs. When a business has an employee engagement problem, it can negatively affect their company culture and the organization’s bottom...

Friday, November 10, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, October 13, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, September 6, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, August 7, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, June 12, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, May 11, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, April 7, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, March 10, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, February 10, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, January 6, 2017

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, December 8, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, November 29, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Monday, October 17, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Friday, September 23, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Thursday, August 25, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Wednesday, July 20, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values - typically an event or accomplishment...

Tuesday, June 14, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, May 6, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Tuesday, April 12, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, March 4, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, February 5, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Thursday, January 14, 2016

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Thursday, December 10, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, November 13, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, October 2, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Wednesday, September 9, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, July 3, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, May 8, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, April 3, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, March 6, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...

Friday, February 6, 2015

Every month, Schwartz Insurance Group selects a peer-nominated associate to receive a Core Value Award. The winner is chosen because they "lived" one of our agency's core values ... typically an event or accomplishment...