The Most Desirable Employee Benefits

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I was reading a great article from Harvard Business Review concerning employee benefits. I thought you might find value in this article also.

In today’s hiring market, a generous benefits package is essential for attracting and retaining top talent. According to Glassdoor’s 2015 Employment Confidence Survey, about 60% of people report that benefits and perks are a major factor in considering whether to accept a job offer. The survey also found that 80% of employees would choose additional benefits over a pay raise. Continue reading “The Most Desirable Employee Benefits”

3 Reasons You Think You Don’t Need Disability Insurance

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Most people, if asked, are hard pressed to explain what disability insurance really is. It’s actually pretty simple to define: Disability insurance protects your paycheck.

If you become injured or ill and can’t work, disability insurance pays you a portion of your salary until you can return to work. A recent survey found that most people couldn’t make it a month without their paycheck before financial difficulties would set in. So, it’s easy to see how important disability insurance is.

“That’s all fine and well,” you say, “but here’s why I don’t need it.”

Reason #1: “I’m young and healthy. A disability will never happen to me.”

Truth: You actually have a three in 10 chance of suffering a disability that keeps you out of work for 90 days or more at some point during your career, according to a Life Happens survey. You just don’t know which side of that statistic you’ll be on.

Reason #2: “I could rely on government benefits.”

Truth: Most long-term disabilities are a result of an injury or illness that is not work-related, and so wouldn’t qualify forWorkers Compensation. And if you’re counting on Social Security disability benefits, those pay an average of $1,100 a month, which would leave you living right around the poverty level.

Reason #3: “I have disability coverage through work.”

Truth: You may, but it’s more than likely you don’t. Most (70%) private employers don’t offer long-term disability insurance, according to the U.S. Department of Labor.

The bottom line is this: If you work and rely on your paycheck, you need disability insurance.

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NEXT STEPS

What you need to do is:

1. Find out what disability insurance coverage you have at work (short-term, long-term, both or none at all). Your HR department can help you out with that.

2. Make sure you know how much coverage you actually need. (Keep in mind: Your employer may give you coverage as a benefit, but that doesn’t mean it’s enough!)

3. Get an individual disability insurance policy to fill in any gaps you might have to make sure you’re taken care of if something were to happen to you.

Reach out to me for help in finding a policy that fits your needs and your budget.

Important Health Care Enrollment Dates

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  • November 1, 2015: Open Enrollment started — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period (see below.)

SPECIAL ENROLLMENT PERIOD

A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.

Do You Have Medicare Supplement Coverage?

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Don’t let health care costs drain your savings.

You have spent a lifetime working hard—planning and saving for a retirement that’s carefree.  The last thing you want to worry about when you finally hit retirement age is how you are going to pay for health care expenses.

(NEED ASSISTANCE WITH MEDICARE SUPPLEMENT COVERAGE? CONTACT ME.)

Medicare Supplement Insurance helps share your health care costs.

If you are 65 years of age or older, you are entitled to Medicare, the nation’s largest health insurance program. Because Medicare is a compromise between what is needed and what the government can afford to pay, there are obvious gaps in coverage. That is why a Medicare Supplement Insurance plan is important.

Medicare Supplement Insurance from will help pay some of your health care costs not covered by the Original Medicare Plan, like coinsurance and deductibles. Plus, it’s affordable! Our Medicare Supplement Insurance plans have rates that will not strain your household budget.

To qualify for Medicare Supplement Insurance, you must first enroll in Medicare. You can sign up for Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) by following this link for Medicare online enrollment.  If you enroll in Original Medicare, you also may enroll in a Medicare prescription drug plan (Medicare Part D) to add drug coverage.

Get comprehensive coverage with Plan F.

Medicare Supplement Insurance Plan F is our most popular plan, generally because it has very comprehensive coverage available to the senior population. If you purchase this plan, you will rarely pay medical bills because all medical and hospital deductibles and coinsurance amounts for Medicare-eligible expenses are covered. Medicare Part B excess approved amounts may not exceed any charge limitations established by Medicare.

CRMS – Who We Are

Debbie and I have spent the last 26 years, of our 31 years of marriage, serving families. We have ministered to families in a variety of ways including spiritual counsel, finances and family budget planPicture1ning, parental coaching, child development, insurance consultation, and most recently we added to our services identity theft, legal services, and small business benefits  As you can see, we really do care about serving families!

Therefore, we decided to bring all of these services under one name called Cannon Risk Management Solutions.  Our mission at CRMS is to protect your family, finances, and your future!  We offer a variety of solutions to help you minimize your risk and exposure, thus protecting your family, finances, and your future!

We would love to serve you and your family.  Contact us today for a free consultation and let us evaluate how we can best serve you. You have worked hard to provide for your family, finances, and your future; now, let us help you protect it all! Click here to contact us today and let’s get started minimizing your risk!

What Parents Can Do To Protect Their Child’s Identity

What are the odds that someone will steal a child’s identity? Why would a thief do that, and what exactly can parentsIDTheftChild do to keep it from happening?
 2011 joint industry-academic examination of 40,000 children caught up in a data breach found that someone else appeared to be using 10.2 percent of their Social Security numbers. Most of those instances happened before the breach in question.

Children are 51 times more likely to have their identity stolen than adults! So identity theft for children does happen, and here’s why: Children’s credit reports are clean. That’s attractive to people who want to begin their financial lives anew for any number of reasons. Plus, minors don’t check their credit reports or review monthly bills the way grown-ups do, which means thieves may not get caught for years or even decades. Thieves sometimes use children’s Social Security numbers and other data to file fake tax returns and get illegitimate refunds, gain access to health care and work legally even if they are not citizens.

So what are the ways to keep private data private that are within our control? Don’t carry around Social Security cards. Keep them under lock and key at home. Keep your child’s date of birth off social media. Talk to your offspring about where to click and not to click on websites and in incoming email. Question school officials and doctors who want children’s Social Security numbers for forms, as it may not truly be necessary.

“Social Security numbers are like money in the bank, and thieves don’t need to use them at any specific moment in history,” he said. “You’re going to have to look over your shoulder for the rest of your life.”

For peace of mind, get identity theft protection for you and your family! IDShield provides privacy and security monitoring, consultation, and Comprehensive Identity Restoration from Kroll. So in the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred. To ensure you have the best coverage possible, there is an IDShield Family plan that includes you, your spouse/partner, and up to 8 children.

For as little as $19.95 a month you can have the peace of mind that you and your family are protected from identity theft. Visit joncannon.co to get your protection today! Watch this video to learn more.

 

 

Releasing It All

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He went away sorrowful, for he had great possessions. —Mark 10:22

A hero to a generation of people who grew up after World War II, Corrie ten Boom left a legacy of godliness and wisdom. A victim of the Nazi occupation of the Netherlands, she survived to tell her story of faith and dependence on God during horrendous suffering.

“I have held many things in my hands,” Corrie once said, “and I have lost them all; but whatever I have placed in God’s hands, that, I still possess.”

Corrie was well acquainted with loss. She lost family, possessions, and years of her life to hateful people. Yet she learned to concentrate on what could be gained spiritually and emotionally by putting everything in the hands of her heavenly Father.

What does that mean to us? What should we place in God’s hands for safekeeping? According to the story of the rich young man in Mark 10, everything. He held abundance in his hands, but when Jesus asked him to give it up, he refused. He kept his possessions and he failed to follow Jesus—and as a result he “went away sorrowful” (v.22).

Like Corrie ten Boom, we can find hope by putting everything in God’s hands and then trusting Him for the outcome.

No life is more secure than a life surrendered to God.

6 Action Steps for Workaholics

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A workaholic is uncontrollably addicted to work to the detriment of self and others.

“Workaholism” has become an all-consuming obsession for too many modern workers, a sleep-depriving, health-robbing, greed-festering monster that may be the most rewarded—and least challenged—addiction in America.

While God created work as a meaningful part of this life, for some, work becomes the primary avenue by which they find approval, respect, and success. God calls on humankind to work honestly, heartily, happily, and as though we are working for the Lord (Exod. 23: 12; Eccles. 5: 19; Col. 3: 23).

This issue is not limited to men and women in the workplace. It can also include women at home who are striving to have the “perfect”home and family. Workaholism is an addiction and needs to be treated like one.

Work life must be managed within the context of a healthy relation to God, marriage, and family life, and commitments to church and community. When this balance is not held, work can become an idol, a terrible taskmaster known as “workaholism.”

“The workaholic maintains a frantic schedule. He is consistently preoccupied with performance. He finds it difficult to refuse additional responsibilities. He is unable to relax. If someone you know exhibits these characteristics, he or she is probably a workaholic.” – Bill Hybels

ACTIONS STEPS

1. Assess the Problem

What is causing the stress you feel at work? You must recognize the problem and own it.

Workaholism is an addiction and needs to be treated as such.

2. Evaluate the Past

Identify negative messages you received about self-worth from your parents, siblings, and/ or peers.

Your significance is provided through Christ, not through work.

3. Refocus on God

Take time for daily prayer, Scripture reading, and meditation. Seek God’s guidance in deciding on the activities for the day.

Read and meditate on the Scriptures that address God’s unconditional love and your identity as a follower of Jesus Christ.

4. Find Balance

Evaluate the activities in your weekly schedule and assess which involvements are unnecessary and are contributing to the addiction to activity.
There needs to be a balance between time spent at work and time spent in close relationships.

Work must be maintained in proper relation to God and to family. When this balance is not in place, work can become an idol—a false god that is a terrible taskmaster.

You will need to “schedule” times for leisure and play. Make sure you treat these times as priorities. Also, remember to honor the Sabbath as a day of rest.

5. Slow Down

Establish a slower pace for each day and to seek rest. Be sure to honor the body that God has given you by getting sufficient rest and exercise and by eating a nutritionally balanced diet.

Explore ways you can include enjoyable activities in your schedule—especially family time.

Change takes time, and as you try to slow down, God will take care of the things that concern you (Matt. 6: 25–34).

6. Get Support

Seek help from a counselor, accountability partner, or group where the focus is on coming to terms with the underlying motivations for the addiction to work.

Encouragement for Parents

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Foolishness is bound up in the heart of a child; the rod of correction will drive it far from him. Proverbs 22: 15

God placed certain people in leadership roles over children and named them parents. God has ordained parents to be the leaders in the home.

Children need both a mother and father. Unfortunately, fathers are often physically or emotionally absent. It is estimated that 40 percent of American children are being raised in homes where no father is present. These children have more physical, emotional, and behavioral problems than children whose father is present, and it is more likely that they will be incarcerated.

Raising children is a high calling that God has given to parents. We must not take this position lightly.

We must recognize that as a parent, we have been given authority over our children. In other words, we have been handpicked by God Himself to assume the leadership role in the raising of our children.

Dr. James Dobson says that our role as a parent is to work ourselves out of a job. While we never really stop being a parent, our role changes as our children grow and mature. Ultimately our role becomes less and less active and we serve more as an advisor or friend to our adult children.

Just as bread needs yeast to rise, children need certain ingredients to reach the potential that God has placed in them. Three of these ingredients are love, discipline, and guidance. While the ingredients will be required at all stages of parenting, the actual amount of each required at various stages in the parenting process will depend on the age and maturity level of the child.

1. LOVE

Children need hugs, physical contact, words of encouragement and affirmation, and quality time—all of these communicate love. Love also helps break down barriers and walls that we can’t see with our eyes.

Keep in mind that adolescent children are very aware of appearances and may not want to be hugged in front of peers.

Sometimes, especially in adolescence, our children can feel like our enemies, but in reality they are simply learning how to think and act on their own. A certain amount of rebellion is normal.

As a parent, you are to love your children even when it is undeserved. That doesn’t mean you accept everything they do. Love and acceptance are not synonymous. It does mean that you remind them that you love them even when you disagree with or are heartbroken by their actions.

2. DISCIPLINE

The Bible cautions fathers not to discourage their children (Col. 3: 21), but it also says that those who love their children are careful to discipline them (Prov. 13: 24). Discipline, unlike punishment, always envisions a better future for the child.

Balance is the key. As a parent, you must discipline and train your children, but you should not discipline as though you are running a boot camp.

Too many parents try to reason with their youngsters instead of simply delivering on the consequences that were threatened. If you say the child must go to his room if he “does that one more time,” and he does it again, you must follow through with exactly what you said.

Consistency is king. The actual consequence is less important than the consistency of having consequences when children misbehave.

There are three rules that may help to serve as guides in disciplining your children.

–The KFC Rule: KFC stands for kind, firm, and consistent.

–Granny’s Rule: This simply means that, first, the child does what the parent wants and then the child gets to do what he or she wants. For instance, the parent might say, “If you want to go swimming, then first you must do these chores.”

–The Millennial Rule: This simply means that if you allow your child to get away with something, it may take a thousand times of correction to retrain him.

3. GUIDANCE

As a parent, it is in your job description to teach your children about life, guiding them in all areas, especially in God’s Word (Deut. 6: 4–9).

Guiding your children may also mean allowing them to make mistakes. When a mistake is made and the principal or police officer calls to inform you of the situation, understand that as the parent you are about to walk through a crisis with your child. Be prepared to be disappointed with some of your child’s choices and behaviors. Do not make the mistake of too readily helping your child get out of difficulties he or she is experiencing because of his or her choices and behaviors. More growth takes place through a crisis than at any other time.

Behold, children are a heritage from the Lord, the fruit of the womb is a reward. Psalm 127: 3

For this child I prayed, and the Lord has granted me my petition which I asked of Him. Therefore I also have lent him to the Lord; as long as he lives he shall be lent to the Lord. So they worshiped the Lord there. 1 Samuel 1: 27–28

Parenting is demanding and rewarding. Many people prepare and study for years to enter a chosen profession, but for parenting we usually receive on-the-job training. The goal of parenting is to let the children go eventually; to work yourself out of a job; to raise your children to be independent.

You’re not alone.  Seek the Lord’s wisdom and counsel in parenting your children. He is there and ready to assist you.