Oberman Insurance Services

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Financial Wellness and Group Long Term Care

This is a great article written by our friend Steve Cain, a leading authority on long-term care insurance.  Learn more about how Long-term Care insurance and LTC education  fits right into an employer’s financial wellness program.    I like the reference to a 401K plan. Financial Wellness Programs Can Benefit From A Group Long Term Care…

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How One Large Employer is Cutting Healthcare Costs

Healthcare was the problem and he found a solution to cutting costs. Every business owner needs to read this! “The former CEO of GE pinpoints the moment he realized healthcare was his problem” https://www.businessinsider.com/former-ge-ceo-jeff-immelt-on-employer-funded-health-insurance-2018-8?amp;utm_medium

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More Employers Are Offering Long-Term Care Insurance!    

I just returned from visiting my Mom at her residential care facility. She was sitting with her private caregiver in the dining room having lunch, or actually, trying to order it.   My mom has dementia and even a small task like selecting an item on the menu is a monumental undertaking.     Her waitress stood patiently…

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Short-Term Health Insurance: Cheaper is not Always Better!

About a month ago, I received a call from a former client who was between jobs. She let her health insurance policy lapse and said “something” happened over the weekend and she needed to see a doctor right away. She wanted to purchase an individual policy and thought a short-term policy would be the answer.…

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Five Stars for VICA’s May Labor and Employment Committee meeting!

As business owners and decision makers we mostly hear from employment attorneys about labor updates and tools to protect our businesses.    At VICA’s  May Labor and Employment Committee meeting we had the rare opportunity to hear from plaintiff attorney, Eric Kingsley, who presented his “Ten Top Tips for Employers”.   Here are the takeaways  . . .…

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Small Employer Commuter Benefits, Good or Bad?

A.B. 2548 Commuter Benefit Policies?    I was about to fall asleep at the VICA Transportation Committee meeting this week wondering why I was there until this topic came up for discussion.   I had never really thought about it much before.  Hmm, employer sponsored commuter benefit programs.   I knew our larger clients offered employees a commuter…

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Employers Considering Enhancing Benefits Due to the New Tax Law

Are you planning on making changes to your benefits and compensation package as a result of the new tax law? Willis Towers Watson surveyed 333 companies earlier this year and many companies are making changes. Let me know your thoughts . . . https://www.plansponsor.com/employers-considering-enhancing-benefits-due-tax-reform/

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How Long-Term Care Insurance Helped My Mom

Long-Term care Insurance has been on my mind a lot lately. It’s been a financial life saver for my mother so I want to share a bit of her story with you in the hope that it will help you. I am sure some of you Baby Boomers will relate. It all started more than…

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How to Save Money on Your Workers’ Compensation Insurance

Many business owners feel powerless to reduce their workers’ compensation costs. There is no need to feel frustrated; there is something you can do about it! Listed below are six things a business owner can implement to reduce their claim activity. Here are some money saving tips from the California Department of Industrial Relations and…

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