Health is the basic right of every human being. Everything must be done to ensure that everyone, irrespective of their standing or economic status, can avail of it. However, with the increasing costs of medical care it has become necessary for Employers to deal with problems that seem to have […]
Using level-funded health care plans to fuel small business cash flow Level-funded plans bring upfront savings plus the potential for a surplus — all while limiting the risk of ASO plans. Cash flow is king for small businesses. It’s one of the most important indicators of financial health yet also […]
As a small business owner in today’s world, it is more important than ever to expect the unexpected. You work hard and care about your employees. But did you know that DGS Benefits, Inc offers Executive Benefits that protect you and your business partners if you were to become injured […]
Unlike picking who your family is, you can actually have a say in what voluntary benefits you get. Therefore, one of the largest advantages of voluntary employee benefits is the amount of customization they afford for both employers and their employees. This customization allows your staff to choose a benefits […]
There is a definite creep factor to life insurance. Between the overwrought advertisements showing young children missing their daddies and the stereotype of the hard-selling insurance agent (best characterized by Stephen Tobolowsky as Ned Ryerson in “Groundhog Day”), it can seem as though life insurance is an industry that survives by playing on your […]
The following article Long-Term Care was taken from the National Aging Institute website. Contact us at tom@dgsbenefits.com to learn more about purchasing Long Term Care Insurance. What Is Long-Term Care? Long-term care involves a variety of services designed to meet a person’s health or personal care needs during a short […]
Hello, my name is Thomas Murphy. Based in Ridgewood, New Jersey my practice specializes in Social Security Disability , Employee Benefits, and Conventional Life Insurance. With over 35 years of expertise, I have grassroots experience with all Insurance/Disability related issues. If you have any questions or comments, please feel free […]
In 2019, Washington state enacted the Long-Term Services and Supports Trust Act, which is designed to provide eligible residents (those employed throughout the state) with up to $100 per day, with a maximum lifetime limit of $36,500 (adjusted for inflation), to pay for long-term care services including professional care at […]
Did you know the State of New Jersey now offers 3 types of health plans? Read below to determine which one is best for your business. Fully Funded is the most common path for a small business where you are buying a fully managed, premium driven health insurance service from a […]
What is Stop Loss Insurance? Stop-loss insurance (also known as excess insurance) is a product that provides protection against catastrophic or unpredictable losses. It is purchased by employers who have decided to self-fund their employee benefit plans, but do not want to assume 100% of the liability for losses arising […]