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Health Insurance

Managing Employee Stress in Difficult Times

It’s been a year like no other for all of us, and your team of employees has no doubt been feeling the stress. Besides working remotely, maybe for the first time ever, many are simultaneously trying to handle a full-time job and supervise online learning for their children, or caring for preschoolers or older relatives.…

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Making Your Day Easier with our Client Portal!

At Consolidated Insurance, our belief has always been that we best serve our clients as not just a broker, but as a partner in helping their businesses better manage their risk. To that end, we’re proud to re-introduce the HR and Compliance Client Portal (formerly MyWave Connect), a time-saving online resource that puts clients in…

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Looking Ahead: HSA and HDHP Limits for 2021

The Internal Revenue Service recently announced the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2021. As always, the limits vary based on whether the coverage is self-only or a family plan. Let’s take a look: Eligible individuals with self-only HDHP coverage will be able to increase their annual…

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The Coronavirus Bill and Employee Leave

As you are no doubt aware, last week Congress passed, and President Trump signed into law, the Families First Coronavirus Response Act, a multi-trillion-dollar relief package aimed to ease the financial burdens of the COVID-19 pandemic. The Act has far-reaching implications for employers. Here are the highlights: Most importantly, the Act requires that companies with…

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Cadillac Tax Repealed and Other ACA Changes

A new spending bill signed into law on December 20, 2019 puts an official end to the so-called “Cadillac Tax,” one of the more controversial provisions of the Affordable Care Act. That same bill brings other changes as well … read on to learn how they affect your business. The Cadillac Tax, a 40 percent…

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FSA Contribution Limits Changing in 2020

As usual, the IRS has announced changes to the contribution limits for flexible spending accounts (FSAs) in the coming calendar year. However, the timing creates a wrinkle that may keep some employees from taking full advantage. Individuals may now contribute up to $2,750 to an FSA in calendar year 2020, a $50 increase from this…

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Coming in 2020: Changes to Your HSA & HDHP Limits

As is typical at this time of year, the IRS has announced changes to the limits for Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs) for calendar year 2020. Here’s what’s happening: The contribution limit for HSAs will increase by $50 for individuals, from $3,500 to $3,550. The family contribution limit will rise…

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Back to School – for Consolidated too!

Nearly 80% of the insurance-licensed staff here at Consolidated hold at least one insurance designation, and many hold more than one. From well-known certifications like CIC (Certified Insurance Counselor), ACSR (Accredited Customer Service Representative), CLCS (Commercial Lines Coverage Specialist), CAWC (Certified Authority on Workers’ Compensation), CISR (Certified Insurance Service Representative), and AAI (Accredited Advisor in …

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Do your employees know the value of their benefits?

Though your benefits package may be quite substantial, your employees may not know it or may not understand some of the benefits you offer. Helping employees understand their total compensation can raise morale and may increase loyalty to your company. To assist your employees in fully comprehending their benefits package, consider providing a total compensation…

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Employee Benefits: Your Secret Weapon

Probably the top concern we hear from our business clients these days is how hard it’s become to find and hire great new employees. With unemployment running at record lows thanks to a ten-year run of uninterrupted economic growth, there’s no shortage of opportunities out there for qualified candidates in nearly any field. Combine that…

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