Sentences with phrase «insurance than your employer»

A 2015 study by the Life Insurance and Market Research Association (LIMRA) found that 65 % of employees with employer sponsored group life insurance believe they need more insurance than the employer - sponsored group life insurance believe that they need more insurance than the employer provides.

Not exact matches

Add to that, the cost of health insurance premiums growing at four times inflation and workers changing employers far more often than they did 60 years ago, and you have a system that's going to break.

Because these bare - bones plans do not limit insurance payouts to workers, they meet the letter of the law's requirements that employers provide «affordable» health care coverage to their workers at a far lower cost than more comprehensive plans.

Through employer plans, employees can access group discounts on life and disability insurance that can make it more affordable than if they'd pursued these options on their own.

Rowen, the glass business owner, says his health insurance decisions had less to do with the employer mandate than with cost and employee retention.

Employer - based insurance still provides the bedrock in Romney's vision, and anybody who has a choice between employer insurance or private insurance would be wise to choose the former — we've discussed elsewhere how the negotiating strength of large employers offers a lot more protection than being on yEmployer - based insurance still provides the bedrock in Romney's vision, and anybody who has a choice between employer insurance or private insurance would be wise to choose the former — we've discussed elsewhere how the negotiating strength of large employers offers a lot more protection than being on yemployer insurance or private insurance would be wise to choose the former — we've discussed elsewhere how the negotiating strength of large employers offers a lot more protection than being on your own.

With the GOP crusade to repeal and replace «Obamacare» failing, the federal mandates that people have insurance and that employers with more than 50 workers provide it seem likely to stay in place in the foreseeable future.

Theoretically, it's good for small business: The Wall Street Journal reports that Giuliani hopes at least 13 million people will trade their employer - based insurance for a private plan, bringing the number of Americans who buy their own policies to more than 30 million.

People who enrolled in individual health insurance plans after 2014 were less healthy and used more healthcare in 2014 and 2015 than those who were already enrolled in individual plans and those who receive insurance through their employers, according to a Blue Cross Blue Shield Association report.

Large employers, which help provide the vast majority of Americans» private health insurance, paid for more than $ 2.6 billion worth of opioid addiction and overdose treatment services in 2016, KFF finds.

However, as these higher expenses are financed by employee - employer premium rates, employment insurance premiums are higher than in the March 2011 Budget, especially in 2015 - 16.

Instead, they put forward an employment insurance plan that gives a greater incentive for employers to fire workers than to hire new ones.

The changes wrought by the proposed legislation will have a much bigger effect on some groups — especially those who get insurance through their employers and those on Medicaid — than estimated by recent analysis from independent healthcare policy experts such as the Brookings Institution and credit rating agency S&P Global Ratings

Group disability insurance offered via your employer is generally cheaper than buying it privately, and there are no health questions to be answered.

This list reviewed 401 (k) plans, health insurance, phased retirement offerings, defined pension benefits, and internal promotion rates at more than 600 employers to come up with the Top 30.

You may get life insurance policies through your employer, but the coverage is usually lower than individual policies and is only in place while you're employed.

Big, national employers are currently subject to only one set of health insurance regulations (federal), while small firms» plans are regulated at both the federal and state level (this is one of many reasons why individual and small group plans are so much more expensive than corporate plans).

It can be a win - win situation for both — providing the employer with a low - cost benefit to attract and retain desirable employees and enabling the employee to procure more insurance than he or she otherwise could afford (thereby providing more security for the employee and his or her family).

By 2016, a lot fewer people will have employer - provided health insurance than in 2010.

Employers are no more morally responsible for how an employee uses heath insurance than how he or she uses his or her paycheck.

Insurance coverage is a part of an employee's compensation package and should not be restricted by an employer's religious beliefs any more than any other form of compensation.

The blessings she counts include employer - provided health insurance for her children, which makes her better off than 41 million Americans who don't have health insurance.

More than two weeks ago, the Department of Health and Human Service issued a mandate instructing all employers that provide health insurance to their employees include the option for paid birth control, the morning after pill and intrauterine devices.

It should also involve a refundable (meaning it might be larger than your tax liability) tax credit toward insurance for catastrophic healthcare expenses for those without employer - provided plans.

It isn't just the poor and / or homeless harmed in this ObamaCare nightmare, it is anyone earning more than $ 47,000 who is self - employed or does not have employer provided insurance.

Rather than buying insurance or paying the penalty, employers are avoiding employing people at the margins.

Chancellor Alistair Darling announced the one per cent increase in national insurance for employees and employers earning more than # 20,000 would come into effect in April 2011.

The state's unemployment insurance fund was more than $ 3.5 billion in deficit during the recession in 2008 and 2009, but has slowly climbed out of the hole, leading to a drop in the rate paid by employers.

But entities other than employers can contract for group health insurance.

«In March 2014, the percentage of uninsured in Texas had declined only slightly, and the change appears to be attributable to increases in employer - sponsored health insurance rather than the newly implemented Health Insurance Marketplace,» Mainsurance rather than the newly implemented Health Insurance Marketplace,» MaInsurance Marketplace,» Marks said.

According to a recent KFF report, 81 percent of people who get insurance through an employer have an annual deductible of about $ 1,300, and more than two - thirds of them also have co-insurance as part of their coverage.

«If people are getting insurance from places other than their employer, these kinds of insurance tend to be less good,» said Ben Lennox Kail, assistant professor in the Department of Sociology at Georgia State.

The national data from the Bureau of Labor Statistics indicate that annual employer insurance costs are 26 percent higher for teachers than for private - sector professionals; adjusting for higher participation rates among teachers reduces the difference to 16 percent.

Because part - time workers are less likely than full - time workers to have health insurance from their employers, we adjust the private - sector comparison data to match the percentage of teachers who work full time.

«ASCL urges the STRB to press the DfE to fully fund pay rises so that the government meets the additional costs rather than again expecting them to be met from existing school budgets which are already under huge pressure because of unfunded increases to employers» contributions to teacher pensions and National Insurance costs.»

If you are not insured through your employer and your HMO insurance premium is $ 3,360, or $ 280 a month, your actual cost is much more than that.

We relied on others to decide on the coverage they thought suited us best — governments, employers, even my mother, who used life insurance rather than savings to pay for her funeral.

I realized early that individual life insurance policies offer better security than employer - provided group plans.

On average, employer - sponsored insurance costs families 48 % more than exchange policies.

As a rule of thumb, group insurance through an employer can be expected to offer better coverage than privately purchased insurance.

I would doubt that you would be able to save enough money on taxes to make up the difference between $ 1330 / month and $ 600 / month, but it might also be that the private insurance policy covers a lot less than your employer's policy does.

Some employers and professional associations administer group insurance programs that may offer a better deal than you can get elsewhere.

Benefits are also taxable if your employer paid for your disability insurance, rather than if you bought it yourself with your own after - tax dollars.

Studies have shown that college graduates are more likely to have health insurance and a retirement plan through their employer than people who have only a high school diploma.

A growing number of creditors, as well as insurance companies, employers, and landlords, use your credit score together with (or rather than) your credit history to make decisions about you.

But if your company has fewer than 20 employees you should enroll in Medicare Part B when you are first eligible at age 65 because Medicare will be the primary insurer, which means it pays before your employer's insurance pays.

Employer - provided life insurance is priced based on the risk of all the employees combined, so if you are more health conscious than the rest of your co-workers on average, you are overpaying.

Similar to pension plans, where you were able to shift longevity risk onto your employer, longevity annuities shift the risk of living longer than expected to an insurance company.

More than half of SSDI claims are denied, but even if you're approved that money will cut into the benefit amount you get from your employer - sponsored long - term disability insurance.

Employer - sponsored medical benefits are often better than individual insurance policies and have fewer health qualification questions, says group benefits specialist David Patriarche of Mainstay Insurance Brokerage Inc. ininsurance policies and have fewer health qualification questions, says group benefits specialist David Patriarche of Mainstay Insurance Brokerage Inc. inInsurance Brokerage Inc. in Toronto.