Many smokers have the mistaken belief that they can’t carry life insurance because no company would approve their application. While smokers can expect to pay more for a life insurance policy, not every company will deny an application outright. From the insurance company’s perspective, smoking is a lifestyle choice and is no different from someone

America is one of the only developed nations in the world that doesn’t necessitate companies to provide paid parental leave. Sadly, a mere 12% of U.S. employees have access to paid maternity leave. Therefore, countless working moms must decide whether to earn a living or care for their young. America does have the Family Medical

Fewer than two thirds of adults have a life insurance policy. Are you among those who think you don’t need one? Think again! There are some very important benefits of life insurance, particularly if you have dependents such as children or you hold any assets with mortgage debts. The main reason people take out a

According to the 2010 United States Census, “…nearly one in five people have a disability in the U.S.” Suffering an unexpected disability can be a painful and traumatic event in the life of a family. The effect of such a disability on the family is often multiplied when it’s the main bread winner who is

By Elizabeth Ann West Dental benefits cover routine care and restoration of a patient’s teeth and gums. Health care plans omit dental benefits like cleanings, restorations such as fillings, and therapies such as root canals or periodontal treatments. There are some instances where a health care plan will cover costs associated with dental care, but

From the smallest startup to the largest multinational corporation, efficiency and profitability go hand in hand. If you are not running your business in the most efficient manner possible, you are missing out on a golden opportunity and leaving significant earnings on the table. It does not matter how small or large your business; there

A study published in the American Journal of Health Promotion shows that a morbidly obese worker can rack up more than $4,000 annually on health care and associated costs compared to his normal-weight counterpart. The costs skyrocket when an obese employee has diabetes, high blood pressure, and high cholesterol levels. These comorbidities increase the likelihood

As a manager, the success of the business you run is in your hands, and it’s important you take proactive steps to enhance the productivity of your team so that your company remains profitable and successful. When your team lacks morale, their productivity will drop. This problem will likely progress and worsen over time. It’s

Change is inevitable, and nothing has changed our lives more than technology. Consider the smartphone, introduced in 1997, is embedded in most people’s lives today. Certainly, tech has changed not only the way we live but also how we work, making our business environments more dynamic and often enabling team members to be more precise

No one can deny the rising trend of freelancers in today’s modern workforce. As reported by this “Freelancing in America: 2016” survey, the number of freelancers within the U.S. continues to grow, with nearly 35% of the workforce made up of freelance employees, amounting to nearly 55 million workers earning an estimated $1 trillion in