When you apply for life insurance or open a retirement account, you'll be asked to name beneficiaries. This is an important step in financial planning.
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​Research consistently points to time away from work as improving productivity, lowering stress, and reducing absenteeism.
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Molyneaux Insurance, Inc. held its 14th Annual Share to Compare event on July 25 in Bettendorf. This annual event showcases trends in healthcare and other employee benefits.
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Molyneaux president, Roger Schemmel, kicked off this year's event, which began with an employer panel discussing workforce development. 

The typical family's income slips by more than $12,000 in the year after a breadwinner suffers a critical illness such as a heart attack, stroke or cancer, according to a study by Metropolitan Life Insurance Company.

An attractive benefits program is vital for your recruiting and retention efforts, but it is also a significant expense. To ensure you are providing a package that is both competitive and economical, you need to know how your offerings compare to others in your industry. Benchmark data can provide valuable insight for evaluating your benefits package, including:

• Where your weaknesses are
• Where your strengths are and how to maintain them
• Which areas you can improve
• Strategies for improvement
• New or different ways to do things

The possibility of becoming disabled is very real for working Americans, and so are the financial consequences and costs associated with employee absence. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage.
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Did you know that millennials have become the nation’s largest living population? Millennials, also known as “Gen Y,” are projected to surpass 75 million this year.  In fact, more than 1 in 3 American workers is a millennial. That means millennials – those workers age 18-34 – have the largest share of the country’s workforce, and this number will only increase as more finish college and enter the workforce.  
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Group life insurance is often offered to employees as an employee benefit. It serves as both an employee retention tool and a way provide employees some peace of mind for their families.
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There are various avenues for funding these group plans, and different underwriting criteria that can either reduce or increase the premium amounts. In most cases, life insurance face amounts will vary from policy to policy and will usually be based in part on each employee's base salary.
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A new study has found that people enrolled in high-deductible health plans (HDHPs) are more likely to consider costs and quality when considering non-emergency care.
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Introduction

On December 19, 2018, the Department of Health and Human Services (HHS) issued proposed regulations to rescind the requirement that employers and plan sponsors obtain and use a unique health plan identifier (HPID).
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