EHD News You Can Use

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News You Can Use

2 Essential Questions about Gap Insurance

Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself. Is Gap Coverage Right for You? Guaranteed asset protection, or gap insurance …

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Don’t Get Sunk: The 5 Keys to Sinkhole Coverage

Damage caused by sinkholes can be extensive, but may not always be covered by your homeowners policy. Read on to learn more about how a sinkhole insurance policy may be right for you. What Protection Does it Offer? Homeowners policies that cover only catastrophic ground collapse will cover the cost of damage only under the …

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ERISA Compliance FAQ: What is an ERISA Plan?

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers. The Department of Labor (DOL), through its Employee Benefits Security Administration (EBSA), enforces most of ERISA’s provisions. Violating ERISA can have serious and costly consequences for employers that sponsor welfare …

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5 Reasons to Bundle Your Commercial Insurance Policies

While bundling policies is beneficial to insurance carriers, it is also highly beneficial to their customers. Similar to how bundling your personal home and auto policies may give you a discount, bundling your business policies can provide benefits way beyond cost savings. Here are the five main advantages of bundling your policies: Simplified bookkeeping Fewer …

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Insurance and Vehicle Customization: They go hand-in-hand.

If you’re one of those people who enjoys getting more out of his or her car than just getting to your destination, you should be aware that any customizing that you do to your vehicle impacts your auto policy, too. The Basics An automobile policy is designed to provide you a level of protection against …

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Internship Programs and Compliance 101

Many organizations use internship programs, and these programs can have many advantages for the employer and the intern. However, employers that hire interns must be aware of the rules that apply to interns under the Fair Labor Standards Act (FLSA). The FLSA requires most employees of for-profit employers—including interns—to be compensated for their services. Unpaid …

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FMLA and Workers’ Compensation – Your Questions Answered

The federal Family and Medical Leave Act (FMLA) and state workers’ compensation laws may both cover an employee who suffers a serious health condition while on the job. The Department of Labor (DOL) has issued revised regulations that implement the FMLA. Though the interplay between the FMLA and workers’ compensation leaves was addressed within those …

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