As your clients review their benefits for the new year, they need broker guidance. US workers have shifted from post-pandemic-era “job hopping,” where they changed roles frequently to secure better pay and benefits to “quiet-quitting,” where they stayed at their current role but did just enough to not get fired. And if they did get
Plus… important deadlines for brokers. Between 10% and 28% of workers across the US freelance or earn a portion of their income from gigs. Whether they’re hanging out a “consultant” shingle to share years of hard-earned advice or driving for Uber, they deserve the same benefits as W-2 employees. Full Support to Help You Earn
DBL forms insurance brokers need and how to get them When a business writes a private disability insurance and Paid Family Leave policy in New York, they need to show proof of coverage through an approved carrier. Form DB-120.1 shows that proof of coverage for a private policy. But brokers can’t issue the form; it
Serve an even larger market in New York with this stand-alone benefit. Gig workers, independent contractors, and others with “alternative arrangements” for their main job make up roughly 10% of the total US workforce, according to the most recent US Department of Labor statistics. Other reports, including a recent infographic from freelancer platform Upwork, found
Based on commonly accepted actuarial principles, the Superintendent has determined that the premium rate for Paid Family Leave benefits for coverage beginning January 1, 2026, shall be increased by +11.31% compared to the premium rate applicable for calendar year 2025. The 2026 PFL rate will be set at 0.432% of an employee’s wages each pay
The state of Minnesota sets deadline for Minnesota business owners to submit private plans for approval. When you hear the words “it’s time,” what’s your first thought? Those of us of a certain age (i.e. Gen X and “older” millennials) hear a tired voice saying, “It’s time to make the donuts.” We picture an older,
Recent insights from nonprofits show people vastly overestimate life insurance costs. When it comes to selling life insurance and other ancillary benefits, insurance brokers face a vast, untapped market: younger working Americans. What’s the best way to reach this market, especially when Gen Z tends to trust TikTok and other social media for financial advice?
Understand how statutory disability and paid family and medical programs have evolved in the US. There’s well-documented research showing that employers, workers, and their families benefit from paid family and medical leave. A 2024 study commissioned by the Department of Labor and presented by the Women’s Bureau found that a national paid family and medical
State laws vary – know the basics so you can help guide your clients. Life is rarely predictable. That’s especially true for new parents or anyone caring for a loved one who is sick or aging. Raising a newborn or caring for loved ones often means taking time off work for doctor’s appointments or taking
As New York’s COVID Sick Leave law sunsets at the end of July, NY business owners may be confused about mandated paid-time-off (PTO). As a result, they may have questions for the insurance brokers who write and manage their statutory benefits like DBL and PFL. Full Support to Help You Earn More Maximizing your
COVID leave ends, but NY employees have other options for time off. State-mandated pay and job protection for New Yorkers specifically suffering from COVID-19 or taking care of a child or loved one with COVID is set to expire on July 31, 2025, according to the NY State Paid Family Leave website. Under the law,