The COVID-19 crisis has not only stolen the health and well-being of people all over the world, but now, it seems, it has opened the door to criminals who want to steal your money and your identity. Historically, when there are times of crisis, the crime rate increases. We see this with natural disasters when…
Many people falsely believe that life insurance for diabetics doesn’t exist. In reality, there are quite a few life insurance options for the 34.2 million Americans who have diabetes. While diabetes remains a health challenge for many, it is still very possible to secure good life insurance as a diabetic. Here are some key things to know…
According to Gallup, the number of days employees are working remotely has doubled during the pandemic. Some companies are even considering making a remote work arrangement permanent. While there are no laws that exclusively apply to remote workplaces, remote work does come with additional compliance risks. Below is our general guidance for employers. Logging Hours…
by Bill Kite, Owner, D&S Agency We were excited when we first heard of the joint venture of Amazon, JP Morgan and Berkshire Hathaway with their combined employee population of 1.2 million to “disrupt” healthcare costs. That excitement was further enhanced knowing leaders such as Dimon, Buffett and Bezos, with their midas touch, could potentially…
Disability insurance is a type of insurance coverage that replaces a portion of your monthly income in the event you are unable to perform your work functions due to illness or injury. This insurance gives both yourself, and those who are dependent on you and your paycheck, a sense of financial security while you are…
There is never a better time to look towards the future than right now. Goal setting does not need to be constrained to the start of a new year. So, let’s look at three helpful tips for effective goal setting. First, what is a goal? A goal is defined as “the object of a person’s…
We have been trying to learn, throughout this past year, what works best to provide additional protection for you, your employees and your family members from the airborne spread of COVID-19. During 2020, as a number of different experimentations were occurring, the following showed some promising results: If you are heating or cooling with a…
