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Watch Roscoe on the Wealth Channel

Listen to Roscoe in an emotional Video for the Wealth Channel where he discusses the moral issues surrounding Persistent Vegetative States. Roscoe Douglas CLU, RHU, is a Partner with UnionServices.com and Presdent of First Benefits, inc.

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Insurance News

  • The QSEHRA: What Is It?

    Health benefits are an essential component of any employee compensation package—but you wouldn’t know that by looking at how small businesses handle them.

  • 2018 Open Enrollment Dates

    November 1 marked the start of the 2018 open enrollment season—the period in which anyone can sign up for individual health insurance.

    Open enrollment is a vital time for anyone shopping for coverage. Those who miss the deadline must either experience a qualifying life event to trigger a special enrollment period or wait another year to enroll in a policy.

    And for those who will be covered by a qualified small employer health reimbursement arrangement (QSEHRA) in 2018, now is the time to purchase a policy and ensure all QSEHRA reimbursements will be tax-free for the year.

    But there are some important changes to this year's open enrollment to bear in mind. Residents in states using the federal exchange, HealthCare.gov, have just 45 days to choose and purchase a policy.

    Residents in some other states may have longer, according to the decisions made by state officials.

    In this post, we'll go over each state's open enrollment dates as well as other information relating to QSEHRAs and alternate enrollment options.

  • Zane Benefits is now part of PeopleKeep

    Today, we are officially launching our new company, PeopleKeep. Read on for more information about PeopleKeep and what this means for you.

    Our story

    While working with small businesses for nearly a decade, our team discovered a big problem: After wages, benefits were the top influencer for where we work, yet every year, fewer and fewer small businesses were offering benefits. We soon realized what small businesspeople have known for years: Offering traditional group benefits sucked because they were too expensive, too complex, and too one-size-fits-all. It wasn’t that small businesses didn’t want to offer benefits. It was that they couldn’t. They needed a new way that was simple, painless, and personal. PeopleKeep was founded in June 2015 to create this new way called personalized benefits. Our personalized benefits automation software helps small businesses save time, save money, and worry less.

  • 2018 HSA Contribution Limits

    A health savings account (HSA) is a tax-advantaged savings account paired with a qualified high-deductible health plan (HDHP). HSAs have an annual contribution limit, which is adjusted every year by the IRS. The IRS also adjusts the definition of HDHPs annually.

  • 2018 QSEHRA Contribution Limits

    A qualified small employer health reimbursement arrangement (QSEHRA), or small business HRA, is a company-funded, tax-free personalized health benefit. It allows small businesses with fewer than 50 full-time employees to reimburse their employees for individual health care expenses.

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