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Sparks Insurance, Inc. Blog: health

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Two key numbers in retirement planning are Social Security income and Medicare premiums. Each year, the federal government updates benefits and costs. For example, for 2018: Social Security: The average benefit at full retirement age increased $27 per month to $1,404. READ MORE >>

We are not getting any younger, but even age doesn't limit the potential to become disabled by an injury or accident. Our physical and financial responsibilities for ourselves and families can be seriously affected if we were unable to continue working, whether for a short period of time or for forever. READ MORE >>

The H3N2 flu strain that swept across the United States in late 2017 and early 2018 proved to be one of the worst strains in recent history. In addition to widespread illness and some deaths, this strain also caused great harm to employers due to millions of hours of lost worker productivity. READ MORE >>

Although long-term care insurance can be used by people of any age, it is always a very valuable addition to a retirement portfolio. Long-term care insurance (LTC coverage) can protect your retirement savings from being consumed should you have a qualifying event that requires paid long-term care services at home or in a medical- or assisted-care facility. READ MORE >>

As summer takes hold, employers must be prepared to assist workers in avoiding accidents and illnesses caused by heat stress. According to the National Institute for Occupational Safety and Health (NIOSH), heat stress affects both outdoor and indoor workers exposed to hot environments. READ MORE >>

This is a crucially important question for us at The Council for Disability Awareness. We would like to see all working Americans have some form of private disability coverage to protect their income when they’re out of work for an extended period of time because of a disabling injury or health condition. READ MORE >>

Cyber bullying is not just libel anymore. Victims often claim severe emotional distress and even bodily injury. In extreme cases, social media users have been blamed for another person’s death. While a homeowners policy may respond to certain instances where bodily injury is sustained, some online activities may be excluded from coverage. READ MORE >>

Starting and ending Daylight Saving Time can play havoc with sleep. Find out how to reset your sleep clock. Turning the clock forward or back for Daylight Saving Time is always hard. Losing an hour in the spring can leave you groggy for weeks while the extra hour in the fall can feel like a windfall – but can disrupt your sleep nonetheless. READ MORE >>

Ahh…the go-to, easy-to-use appliance in our kitchens—crock-pots. They put the question, “What’s for dinner?” to rest and give our homes and apartments the home-cooked meal smell. Here are some trusted tips to consider when using your crock-pot: Not everything is better with age READ MORE >>

Work life balance. This is a phrase that businesses highlight and employees desire. While work life balance is valued by many, what does it really look like? Work life balance is achieved when career is balanced with lifestyle. As an employer, you may wonder…how can I provide a better work life balance for my employees? READ MORE >>

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