Sentences with phrase «insurance benefits without»

This makes it challenging for small - business owners to offer employees health and life insurance benefits without depleting the company budget.

Many people choose to purchase split life insurance because it allows them to access some life insurance benefits without having to pay for the entire policy themselves.

Trip Assured has been clever to design a site and brochures that imply insurance benefits without using insurance terms.

Filing a claim correctly can ensure that you can start receiving disability insurance benefits without delay, provided your claim gets approved.

Now more people can reap the insurance benefits without having to take time off work, lose a weekend, or simply waste time and gas.

Many employers are unaware that because a dismissed employee is entitled to be made whole during the reasonable notice period the employer risks becoming the dismissed employee's de facto insurance provider if the employer unilaterally cancels the dismissed employee's insurance benefits without the employee's consent during the employee's reasonable notice period.

insurance provider if the employer unilaterally cancels the dismissed employee's insurance benefits without the employee's consent during the

It can be bought at a net - zero cost, minimum - funded, over-funded, gifted, financed, 1035 exchanged, collateralized, generation skipped, and held until death, when the heirs can collect the insurance benefit without sky - high income and estate taxes.»

It can be bought at a net - zero cost, minimum - funded, over-funded, gifted, financed, 1035 exchanged, collateralized, generation skipped, and held until death, when the heirs can collect the insurance benefit without sky - high income and estate taxes.»

A Chronic Illness Rider — This lets you access your life insurance benefit without a diagnosis of terminal illness.

Not exact matches

Common employee perks include health insurance, reduced gym memberships, bonuses, stock options, or commission, and they often inspire employees to accept less than they would without such benefits.

A whopping 96 % of Inner City 100 winners offer health insurance, showing that businesses can grow without compromising competitive benefits for employees.

Without significant increases in corporate taxes and taxes on the wealthy, it is now a virtual certainty that ordinary Canadian families will never enjoy the generous social programs enjoyed by most European families: enhanced maternity leave benefits, livable minimum wages, legislated paid vacation time of up to six weeks a year, genuine unemployment insurance, home care, pharmacare and more.

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

We believe that our named executives» compensation program, including competitive annual and long - term incentive pay along with comprehensive team member retirement, health care, disability, group life insurance plans, and other welfare benefits offered to team members, provides adequate reward to our executives without the need for significant additional perquisites.

Because your life insurance premiums are paid with after tax dollars, the death benefit is able to be paid out in lump sum without any state or federal taxes being withheld.

The benefit of using a California VA loan is that borrowers can typically qualify for 100 % financing without mortgage insurance.

Because unemployed individuals who have been without a job for a year or more are automatically ineligible for Employment Insurance, their higher proportion since the «90s, and particularly since 2011, has directly contributed to the decline in the number of the unemployed receiving benefits.

As additional evidence that freelancers aren't living on the margins without extra resources or benefits, the researchers discovered that more than half of this group (54 %) set aside money for savings, and more than 60 % have life insurance.

Who are you to require them to pay their insurance premiums without receiving any benefits from them while you get your insurance to pay for your medication?

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

Any qualified young widow received 75 percent of the worker's primary insurance benefit and surviving children received 50 percent of the worker's primary insurance amount.59 For both survivors» and dependents» benefits, eligibility was based solely on marriage to a covered worker and without account for actual need.60

While about 33 % of beneficiaries are part of this system where insurance can negotiate, known as «Medicare Advantage», most Medicare beneficiaries receive benefits directly from the government agency involved which pays 106 % of the «standard price» for prescription drugs without negotiation.

While technically the money side of social welfare is indeed not payable to illegal aliens, (1) They still get an incredibly costly (to taxpayers) set of benefits such as free public school education for their kids; law - and - order which is a public good; and medical care in ER facilities who have to treat everyone, with or without insurance.

In her decision, dated July 29, 2008, Westchester State Supreme Court Judge Joan Lefkowitz agreed with the union, ruling, «plaintiffs» health insurance benefits in the prior collective bargaining agreements survived those agreements and may not be diminished without their consent.»

The legislation allows businesses to hire veterans without having them count as full - time employees under the Affordable Care Act, currently companies with 50 or more full - time workers must provide health insurance for their employees, but Veterans already receive health benefits through the Department of Veterans Affairs or Department of Defense.

WASHINGTON — Congresswoman Nita Lowey (D, NY17) blasted the Republican majority in the House on Tuesday for adjourning for the holidays without approving an extension to the federal unemployment insurance benefits.

Just remember not to shoot a salary figure to anyone without disclosing the fact that you also get benefits such as travel to meetings or insurance of one kind or another.

You have the right to 100 % parental leave until your child turns 18 months, with or without parental benefit from the Social Insurance Agency.

Despite these hardships and gaps, U.S. youth have benefitted from significant academic and health improvements over the past seven years, including a 20 percent decrease in the number of kids without health insurance and an 11 percent reduction in the high school dropout rate.

Patients disputing medical bills without the benefit of insurance coverage must engage an entirely different strategy.

The more I think about it the more I believe that this is a smoke screen used by a government agency to rally public discord away from their own bureaucracies which via their HST, land transfer taxes and mortgage insurance rules — all percentages calculated on the sale price of the home by the way — do more to inflate house prices without providing any evidentiary benefit to the homeowner.

Charging your co-pays, deductibles, or the portion of services that isn't covered under your insurance plan gets you one step closer to satisfying the spending requirement without diminishing the tax benefit.

Certainly it would not likely occur to a reasonably prudent tenant that the premises were without fire insurance protection or if there was such protection it did not inure to his benefit and that he would need to take out another fire policy to protect himself...»

Limited pay life insurance is a great tool to provide all the benefits of whole life but without the ongoing premium requirement.

Since life insurance benefits are free from income taxes, they can be a way to accumulate savings without paying taxes.

The quick answer was that they didn't need to; many already had the benefits that come from distribution of insurance products, without the additional risk of underwriting, the additional hassle of state regulation, and the complexities of managing two disparate businesses.

Whole life insurance is a complex product with many features and potential benefits, but these can be challenging to take full advantage of without a professional

The advantage of convertible term insurance is you can convert all or a portion of your death benefit to permanent coverage without having to prove your insurability, in other words, you don't need to take an exam or answer health questions.

The benefit of this structure is that you get all the benefits of a LIRP without paying the more typical higher cost of insurance associated with the product.

It allows the policyholder to increase the benefit amount at specific birthdays, at the time of a marriage, or at the birth of a child, without having to provide evidence of insurability (i.e. you don't need to submit to life insurance blood testing).

Without recapping our many articles highlighting the amazing benefits of cash value life insurance, we will provide 6 benefits to converting your term policy.

The benefit is the non-participating policy offers the guarantees of a whole life policy, but without the additional benefit of a return of premium in the form of an annual whole life insurance dividend.

Thanks to the acceleration of death benefit rider on his life insurance policy, however, Richard was able to get money to cover his huge medical expenses, allowing his wife and family to say goodbye without the specter of debt hanging over their heads.

The benefits of renters insurance include being able to file a claim and knowing that someone will pay you the replacement cost of your lost personal property, as well as the additional living expenses that arise from a fire, without having to worry about how many other people are looking to the same source of money.

One of the benefits of renters insurance is that medical payments coverage is without admission of fault.

Additional Purchase Benefit: purchase additional insurance at future dates without evidence of insurability.

And one huge benefit of paid up additions is you can buy paid up additional insurance without having to go through medical underwriting.

Items that are not Qualifying Credit Card Transactions include, without limitation, cash advances, special check transactions, balance transfers, charges for products, services or benefits we provide (such as credit insurance or debt cancellation programs), and all other finance charges and other charges that post to your Card Account.

The term insurance products that are offered by Foresters offer death benefit only, without any cash value build up.