Federated Insurance

OCTOBER TIPS AND INFORMATION:

HR Question of the Month - Preparing back-up documentation for potential termination.

Its Your Life - Make the most of your investment in key employees.

Risk Management - Employees driving distracted and how it can affect you and your company.

Please review these documents and post any comments or questions you have on them.


 

 

SEPTEMBER TIPS AND INFORMATION:

HR Question of the Month  – An employee recently changed her name, when should I update her personnel records?

Its Your Life  – Valuation Methods for Buy-Sell Agreements

Risk Management – What's Hot in Fire Prevention? Equipment Maintenance!

Please review these documents and post any comments or questions you have on them.  


 

AUGUST TIPS AND INFORMATION:

Apples to Apples Quotes - When getting quotes from insurance providers, it is important to know the right questions to ask.

Retirement Planning - A strong option for business owners can be a permanent life insurance policy.  It is not pre-tax but does offer significant flexibility.

FMLA Does Depression Qualify - If individual cases meet certain health criteria they can be qualified under FMLA.  Get the details here.

Please review these documents and post any comments or questions you have on them.  


 

JULY TIPS AND INFORMATION: 

Disabilty Insurance – This is the most important of the three documents we are sharing today.  So many of your members are still active in the field and rely on their ability to work to keep their business going, and more importantly, keep their household going.  Disability insurance is the most important insurance that I often see business owners going without, primarily because they’re seldom made aware of what’s out there.  I’ll never understand why some choose to insure their $40,000 truck, but pass on the option to insure their income for the next 10, 20, or 30 years.

Why did my WC mod go up - The state of Michigan has changed the way that they calculate your WC mod over the past few years.  Anyone that has employees needs to take a look at this and understand how these changes can affect your WC premium.

Documenting Hours - While not as important as the other two in my mind, this is still good knowledge to have in case you ever find your books audited.

Please review these documents and post any comments or questions you have on them.