Control Your Company’s Healthcare Costs – Take Them “Captive”

A recent online article by Michael Schroeder recommends what I’ve been advising my clients for years: employers can control an expense that is rising by double digits through self-funded ”captive” employee health insurance. You’d be smart to do it. The average cost of insuring a family is rising past $25,000 annually,...

Social Media & Workers’ Comp Fraud

It’s pretty black and white: if you’re an employer in California, you are required to provide workers’ compensation benefits to your employees. As an agent, I’ve seen more than my fair share of fraud stories. According to the National Insurance Crime Bureau, workers' compensation fraud costs California between $1 billion...

Avoiding the ACA tax penalties

Now in our third year of the Affordable Care Act, the open enrollment period is finishing up for the 2016 plan year. This year we have seen a lot of changes and some increase in provider participation for the individual and family plans. It is still important to...