Department of Labor audits of employee benefit plans are on the rise and experts agree benefit advisers should be preparing their employer clients now for that impending knock on the door. The Affordable Care Act’s reporting requirements have brought increased scrutiny of employer-sponsored health care plans and the government is largely expected to respond to […]

Texas is a right to work state and businesses are not required (by law) to carry Workers Compensation Insurance Coverage.  Just because the State of Texas does not require it, does not mean that they are absolved of the liability.   I talk to business owners every day that do not carry workers compensation coverage and they […]

  It isn’t just weather extremes that separate Alaska and Arizona. According to a recent analysis from the Kaiser Family Foundation, the two states also represent extremes in health insurance pricing. While Alaska is the most expensive health insurance market for people who do not get coverage through their employers, Phoenix and Tucson, Arizona—along with […]

A pair of bills filed in the Texas Legislature would prohibit automobile insurers from issuing “named driver” policies in the state, but one would allow named driver exclusion under certain circumstances, HB 318 by Rep. Mark Keogh, who represents part of Montgomery County, and HB 335 by Rep. Ed Thompson, representing part of Brazoria County, would add Subchapter […]

Since our nation’s founding, citizens willing to leave their families and risk everything have stood up for freedom and made this the greatest nation in human history.     While we should always remember these sacrifices, today especially let’s honor all those who have served our country and fought to preserve the values set forth […]