Michael Nail

New Insurance Benefit: Midday Recovery Reimbursement

Industry rumors suggest a new wellness benefit may soon reimburse members for one 20-minute nap during the workday.

How it would work:
1. Take a nap
2. Wake up refreshed
3. Submit a claim for your “midday recovery session” (photographic proof may be required)

Sounds great, right?

😆 April Fools!
Sorry, apparently naps don't yet qualify as a health insurance benefit, but one can dream!

If you're an employer, providing health insurance as part of your benefit offerings is more than just a perk; it's a powerful business decision.

Here are some key advantages for employers:

1. Attract and retain talent: Quality candidates will compare benefits offerings along with salary ranges. Offering health insurance is often viewed as a requirement when considering employment.

2. Improve productivity: Employees who have access to preventative care and affordable treatment will miss fewer work days and are likely to stay healthier.

3. Boost loyalty and culture: Offering health insurance shows your team that you value their wellbeing and are invested in long-term growth.

4. Tax advantages: Employer-sponsored health plan premiums are tax-deductible for the business and are typically excluded from the employee's taxable income. It's a double win.

LEB Insurance Group offers many options for Group health plans so that employers can stand out!

These benefit administration companies analyze claims data, offering insights for program adjustments to optimize health plan costs and improve employee experiences

What Does a Health Benefits Administration Company Do? smallbiztrends.com

Whether you're an individual, a family or small business owner, Aflac offers flexible insurance options designed to best fit your needs. From accident to cancer/specified-disease insurance, we help cover you.

Join millions of policyholders who trust Aflac to help navigate the unexpected. Visit aflac.com to learn more.

www.aflacduckfeed.com facebook.com

Since health insurance isn't designed to cover it all, even routine surgeries can leave your employees with high out-of-pocket costs. Offer Aflac hospital indemnity insurance to help put cash back in their pockets so they can focus on recovery.

Know The Cost: Hospital Indemnity vimeo.com

Life is unpredictable, but your family's financial security doesn't have to be.

Aflac's Life Insurance Calculator can help you find the ideal coverage, ensuring your loved ones are better protected.

Added peace of mind is just a few clicks away.

www.aflacduckfeed.com aflac.com

Health insurance wasn't intended to cover everything, so when your employees are faced with seeking medical treatment for an illness or injury, the out-of-pocket costs can have a negative effect on their budgets and wellbeing.
As you look for new ways to help support your workforce, Aflac can help enhance your overall benefits package and help set your business apart.

Out-of-pocket costs from medical treatment can affect your employees' quality of life aflac.com

Workplace stress, on the rise for decades, has been treated by many organizations as a personal issue instead of a business-critical risk that merits executive oversight.

Employee Stress Is a Business Risk—Not an HR Problem hbr.org

Why Deductibles Make a Difference 💡

When choosing a health insurance plan, one of the biggest decisions you'll make is your deductible amount, and it’s more important than you might think.

Here’s why:

📌 Your deductible affects your monthly premium:
Lower deductible = higher monthly cost
Higher deductible = lower monthly cost
It’s all about balance!

📌 Think about how often you use healthcare:
If you visit the doctor regularly, a lower deductible might save you money in the long run.
If you're pretty healthy and rarely need medical care, a higher deductible plan could be more cost-effective.

📌 Be prepared for unexpected costs:
A deductible is what you pay before your insurance starts helping. Choosing the right amount can help you plan for surprises without blowing your budget.

📌HSA eligibility:
If you plan to put money aside in a Health Savings Account, keep in mind that only high-deductible plans are HSA-eligible.

Bottom line: There’s no one-size-fits-all answer. The right deductible depends on your needs, budget, and health habits.

Need help deciding? Let’s chat! We're here to help you find a plan that fits YOU. 🙌

Help your employees better understand the four types of disability insurance. Knowing now can be crucial before a covered event causes them to miss work.

Know the Difference: Disability Insurance Options aflac.com

You know what they say – you can't please all of the people, all of the time. But with a little flexibility, strong, clear communication, and above all else, a plan, you can get pretty close.
We've identified key strategies you can start using today to address the needs of your Gen Z, millennial, Gen X and boomer employees.

The benefits solutions an intergenerational workforce needs aflac.com

Having a Health Savings Account (HSA) or a Flexible Spending Account (FSA) can help you save on medical expenses using pre-tax dollars. These types of accounts are similar, but work in different ways! Let us explain the difference and help you maximize your benefits:

👉 A Health Savings Account (HSA) is a tax-advantaged savings account available to those who have a high-deductible health plan. Funds roll over year-to-year, and the account stays with you even if you change jobs. It can be used to pay out-of-pocket costs for eligible health-related services and products.

👉 A Flexible Spending Account (FSA) is an employer-sponsored account where you contribute pre-tax dollars for eligible medical expenses. However, funds typically expire at the end of the plan year (or have a limited rollover), and you lose access if you leave your job.

Which option fits your needs best? Are both options available to you? What expenses are eligible? 📞To find out answers to these questions, and to learn more, get connected with an agent from LEB Insurance Group!