Reasons Small Business Owners Need to Hire Benefits Consultants

Posted by on Feb 5, 2017 in Business, Insurance, Law | Comments Off on Reasons Small Business Owners Need to Hire Benefits Consultants

You have great employees in your company and you hate training new people over and over again. So what should you do to prevent fast turnover of employees? How do you stop them from jumping to another company or competitor? For you to be competitive it is important that you provide them with strong competitive benefits.

Employee benefits are non-wage compensation which offers additional economic security to them like health insurance, retirement capital, disability benefits, educational funding and other specialized benefits. According to the law, as a small or big business owner, you are required to provide certain essential mandated benefits.

These Benefits Are Mandatory by Law:

Abiding with employee compensation requirements; withholding taxes from employees to pay and remit your own portion of taxes as well; pay state and federal unemployment taxes; contribute to short-term disability programs; adhere with the Federal Family and Medical leave Act; allow employees time off to exercise their right to vote, serve jury duty and perform military service.

These Benefits Are Not Mandatory:

Retirement plans; dental or vision plans; life insurance plans; profit sharing; sick leave and vacation time; day care and other specialized benefits. In reality, however, the majority of companies provide some of these benefits in order to be competitive in their market. It would be wise to offer similar if not better packages than your competitor offers.

Affordable care mandate of employer provided insuranceWhere Can You Get Competitive Employee Perks?

You should reach out to a licensed employee benefit management services company, in order to get the best plan for your business. They will
help you find an insurance carrier that will offer you and your employees the best plans. You can either sign up your employees individually with the consultant or you can sign up as a company for a  group health insurance collective coverage plan.

Collective coverage leads to a lower insurance premium because the peril or risk is distributed among the employees. Another advantage is there is no health examination needed. All pre-existing conditions will be waived and included in the coverage. Some employers even provide health insurance to the immediate family members of their employees.

If an employer doesn’t provide health insurance or you are self-employed and you decide to buy your own insurance, most often you will be subjected to a medical examination before approval and depending on the coverage, many pre-existing illnesses will not be covered. These premiums are also more costly because you will be paying them from your own pocket.

Employee benefits management service providers also offer other services to employees. If a company doesn’t cover other benefits like retirement capital, educational funding or life insurance, a benefits services specialist can help you find individual coverage. Though, it is advised that you get group coverage with your company if available since the rates will be lower.

If you are in need of a new health insurance plan for yourself, family or employees, contact a specialist today.

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How Slip And Fall Settlements Work

Posted by on Dec 21, 2016 in Business, Law | Comments Off on How Slip And Fall Settlements Work

Slip and fall injuries can sometimes be embarrassing while it can sometimes lead people to keep the injuries to themselves. This can often cause serious problem with your financial matters and so it is important that you consider seeking damages from person who was responsible to cause the accident or negligence. In case you happen to slip and fall at may be a grocery store parking lot that wasn’t snow plowed and get injured due to the unattended cable wire on the floor then you can gain compensation for the injury. In this case a slip and fall attorney can help you in filling up the personal injury lawsuit.

The attorney would help you in proving that the fall was not due to your fault. They would also help you in getting the right settlements to cover medical bills and also other expenses related to the injury. In case you already know someone who has worked with slip and fall attorney or a person who is well-informed with the ups and downs of slip and fall laws then they could be of great help.

You can even meet them and ask if they could recommend an attorney for your case. However if you cannot find anything right then you can probably get in touch with your local liability attorney.

The first meeting with the slip and fall attorney is important as it would be your first consultation. Make sure you bring all the documents with evidences so that the lawyer gets something to review on the case. This meeting would be your opportunity to evaluate and to learn about your slip and fall accident. It is also the chance where the attorney gets a chance to ask you initial questions about the accident and also take a look on how high are your chances of winning the case. If you are thinking about the charges, then there are usually no consultation meeting charges, but it is often good to ask the attorney in advance so that you don’t get surprised.

Similarly you can meet other lawyers and find out who can handle your case better through the first consultation meeting. Finding a slip and fall attorney is also very simple as you can just visit your local liability court in your locality to find several lawyers to help you with your case. Moreover there are also several lawyers available online so that you can choose the best and professional lawyer.

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A Guide On How To File Slip and Fall Lawsuits

Posted by on Dec 11, 2016 in Business, Law, Main | Comments Off on A Guide On How To File Slip and Fall Lawsuits

Although they are a typical occurrence, slip and fall accidents can prompt to lawsuits with the casualty looking for compensation from a property owner. This happens when such a man is harmed. Ordinarily injuries happen when there are issues on the walking surface, for example, oil, water, ice and snow or some other slippery substance.

They can likewise happen when there is a sudden change on the floor, for example, hidden dangers, poor lighting and hidden gaps on the ground. If any of these transpires when you are in another people property, then you can file a lawsuit for remuneration on the injury sustained. Along these lines, it can be critical for a man to understand how to file slip and fall lawsuit.

Complete Accident report
To begin with you ought to finish an accident report at the time. This ought to detail what happened precisely and any individual who saw the accident. If the accident happened outside, it is critical to detail other pertinent data including the climate, lighting and shrouded risks.

Keep in mind opportune reporting is not mandated by the law rather it is a store policy. However, it will be exceptionally useful to all parties included.

Find a lawyer who specializes in slip and fall cases
Don’t simply visit any law office; ensure that it can prescribe you to a lawyer who is a specialized in what they do. To make sense of this, make sure you get references from others within the law community. If the organization can supply you with the contact quantities of a few of its past customers, it implies it is calm with its lawful administration. If not, locate another firm that can.

File a legal case in timely fashion
Soon as you consider filing a case for your damage, know until when you can do this. Statute of constraints differs from state to state however the run of the mill day and age is one to two years.

Prepare imperative documents
Regardless of whether you have found the slip and fall damage lawyer with whom you will search for legal help, you need to set up all the significant papers. These incorporate medicinal information, healing center and medication store solicitations, police report and others.

You ought to likewise get the name and contact data of conceivable witnesses. If you have taken pictures of yourself directly after the harm and of where you fall, set them up also since these will verify your claim.

Get statements from witnesses
Your lawyer can help you do this. Give him the contact details of the witnesses and he will reach them. He will ask for them to issue explanations to once more, affirm the presence of the accident, and the area and the situation of the zone where you fell. It is because of this that you need to work with a lawyer immediately so he can speedily reach the witnesses.

Proof the fault
Once more, this will very depend upon the help of the lawyer you will contract. However, you can contribute by reviewing every one of the states of the spot where you fell and by supplementing your cases with pictures and witnesses. You and your lawful expert must have the capacity to demonstrate that the territory is not exceptionally safe because of jumble, spilling and others.

Your immediate worry after the slip and fall accident ought to be to look for medical assistance. Your life is in question, obviously. After this, you have to prepare to file a claim. In that case, its best that you consult with an experienced personal injury case attorney.

Hutchison & Stoy, PLLC

509 Pecan St #201
Fort Worth


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