Supplemental insurance—also called voluntary or gap coverage—is an additional layer of protection that pays cash benefits directly to you, the policyholder, to help cover expenses your primary health insurance might not fully address. Unlike traditional medical plans that pay providers,…
Even with comprehensive primary health insurance—whether employer-sponsored, marketplace, or Medicare—gaps remain. Deductibles, copays, coinsurance, and exclusions for services like dental, vision, hospital stays, or critical illnesses can lead to unexpected out-of-pocket expenses. Supplemental insurance (also known as voluntary or gap…
In 2026, employee retention is more critical than ever. With average tenure hovering around 4 years and turnover costs averaging 1.5–2× an employee’s salary, losing good people hurts profits, morale, and momentum. The good news? Companies that prioritize retention see…
The Affordable Care Act (ACA), signed into law in 2010, introduced several tax code changes that began taking effect in 2013. These provisions aimed to fund healthcare expansions, promote coverage, and address costs, primarily targeting higher-income individuals and certain industries…
Imagine walking into your next meeting with proof you just added $64,000+ to the bottom line (for 100 employees) without spending a dime. Here’s how…Most companies are quietly overpaying payroll taxes—hundreds per employee, year after year—because they don’t know about…
Tax season rolls around and, like clockwork, businesses scramble to make sense of new rules and regulations. This year, 2026 brings a fresh batch of updates to corporate tax laws that every business—big or small—needs to have on their radar…
Tax avoidance might sound a bit sketchy at first, right? But here’s the deal – it’s actually about playing the tax game smartly, within the lines of the law. Unlike its illegal cousin, tax evasion, tax avoidance involves structuring finances…
4 Most Used Legal Tax Strategies for Companies in 2026 Companies in the US can legally minimize taxes through strategic planning, leveraging IRS incentives and deductions. With the corporate tax rate at 21% and recent updates from laws like the…
As a business owner or payroll manager, withholding federal income tax from employee paychecks is one of your core responsibilities. Get it wrong, and you risk IRS penalties, unhappy employees, or even personal liability. Fortunately, the process is straightforward once…
In today’s competitive job market, offering strong employee benefits is essential for attracting and retaining talent—but it often comes with a hefty price tag for employers. What if there was a way to add valuable coverage without increasing your budget?…
