Many business owners are unaware that one minor change to their employee benefit plan can result in happier, less stressed, more productive and engaged employees.   Here’s what financial stress sounds like.   “I just lost my glasses. They cost $600 but the plan only covers $150 every two years.” “I broke a tooth on…

What is a “hybrid” group benefit plan? Many organizations are looking at a new group benefit plan design that not only is better at engaging their employees but also saves money, money that can be re-directed into their bottom line. The plan design, called a “hybrid” group benefit plan, is a combination of traditional insured…