As health care costs continue to rise dramatically and medical plans continue to require more and more employee cost sharing through large deductibles and copayments, maintaining a comprehensive and competitive employee benefits program is becoming increasingly difficult.  Many employers are now re-evaluating their offering of voluntary benefits as a means to help employees fill in perceived gaps in coverage and increase employee morale, loyalty and productivity.  Those that do find themselves with more appreciative employees; according to research from WellPoint, Inc., 83% of employees think more highly of employers that offer voluntary insurance benefits than those that don't.  

So just what are Voluntary Benefits?  Voluntary benefits are benefits for which employees pay 100% of premiums through payroll deduction. 

Read More

Skin cancer attacks more than one million Americans every year and exposure to the sun causes over 90 percent of skin cancer in the United States.

Many people describe sun-tanned skin as a "healthy glow," but nothing could be further from the truth.  There is no such thing as a safe, healthy tan!  

Sun Damage 

Any type of suntan is the result of sun damage caused by exposure to ultraviolet (UV) radiation from the sun.  Other types of sun damage include wrinkles, age spots, freckles, tough or leathery skin, dilated blood vessels, sunburn and skin cancer. 

Read More

Sullivan Benefits

May 27, 2011