Are employers in some states required to have disability insurance?

Some states such as New York have disability insurance which is intended to Absence from work due to pregnancy and childbirth is covered 6 to 8 weeks of paid leave immediately prior to or after birth (longer if complications occur). However, are employers such in the State of New York, REQUIRED by law to have [...]

How do we get insurance companies to reduce medical insurance premiums to employers?

Let’s face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the [...]