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In recent years, 70% of college graduates begin their post-college career encumbered by an average of $37,175 in student debt, about 90% of which was owed to the federal government.

Although high-deductible health plans can mean increased medical costs in certain cases, several aspects of utilizing an HSA can balance out those increased costs, or even offer savings: Lower monthly premiums;Tax savings, sometimes up to 20% or 30% depending on tax bracket and state, when pre-tax contributions are made to the account;Additional tax savings by using funds from the account to pay for medical expenses; “I still oftentimes hear benefit brokers or HR professionals, when communicating these benefits to employees, say, 'If you're healthy, go with an HSA plan, and if you're sick and utilize insurance a lot, go with a traditional plan,'” Benson said.

Exchanges will be required to file proposed listing standards no later than 90 days following publication of the release in the Federal Register, and the listing standards must be effective no later than one year following publication.; On Oct. 26, the U.S.

NAPHIA executive director Kristen Lynch noted the 25.7% average policy growth rate in the North American market over the past five years demonstrates pet owners increasingly understand the value of — and need for — this type of insurance, which is important considering: These owners, in aggregate, have more than 170 million pets (dogs, cats, etc.)

In our survey, 1 in 5 respondents said concerns about economic uncertainty will lead them to alter the amount or type of executive benefits they offer.

If it’s above 90%, you may be in store for a renewal increase.; ;Per employee per month (PEPM) administration fee (for self-insured).

(Employee, male, 20-30 years.)

To maintain an active certification status, you must earn a total of 30 recertification credits (20 general recertification credits and 10 domain-specific recertification credits) every three years.

Talent Practice % of Orgs That Don’t Explicitly Use Skills % of Orgs that Manually Enter Skills % of Orgs that Have Skills Automatically Suggested Career pathing 23% 30% 28% Hiring — external 21% 36% 23% Hiring — internal 19% 32% 26% Learning and development 13% 38% 28% Mentoring 21% 34% 9% Opportunity/talent marketplace 26% 17% 32% Performance management 28% 38% 26% Rewards and recognition 40% 32% 26% Strategic workplace planning 30% 28% 32% Why Skills Are Crucial for Growth According to Sara Hillenmeyer, the senior director of data science at Payscale, a compensation software and data company, an employee’s skills journey is important for their career development and trajectory.

Additionally, millennials lead all age groups in their use of artificial intelligence (AI), with 30% using the tools for benefits guidance.; ;Despite 80% of survey respondents saying it’s important to have a financial advisor when selecting and managing benefits, only 20% actually consult one during open enrollment.; ;40% of employees lack confidence in their understanding of voluntary benefits.