History of Employee Benefits—Where did it all begin?


Employer sponsored benefits have been a staple in the US since President Roosevelt first introduced the concept in 1942 with the Stabilization Act. Due to World War II, employers could freeze wages, so this Act helped provide health insurance to employees as incentive to stay with the company.  The act gave employers and employees the right to pay premiums out of payroll before taxes. 

Read More

COBRA and Medicare – The Timing of Transition


In 2014, the Affordable Care Act allowed individuals to enroll in health insurance without medical questions, meaning no pre-existing limitations.  At the time, many thought this would, in an essence, ‘repeal’ the COBRA act of 1986 and we would no longer need the transitional option that allowed individuals the opportunity to remain on their employer coverage.  Surprisingly, COBRA is still available and a useful tool for health insurance. Read More