We are learning about several cyber-attacks on school districts, school district employees and a number of other high-profile cases. Here are some of those updates.

Short-term disability insurance is designed to provide income to employees who become disabled due to sickness or an accident and are unable to work. Government statistics show that these benefits typically replace about 50 percent to 67 percent of an employee’s income.

Did you know an email phishing scam cost one Texas School District $2.3 million? This month we will focus on an area that may be most important as it relates to reducing the risk of malicious content entering your system via phishing emails. That area is employee education, it may be your last line of defense.

Believe it or not, there are things that can make your open enrollment a great experience and prepare you for the conversations you may have when determining benefit coverage changes.

Some of us just can’t sidestep injury. Others of us have been lucky and have never been injured. Today, we’ll introduce the Accident Policy so you’ll be better informed and can make an educated decision on whether you may need this coverage.

What is the first thing you think about when you hear the following: Cancer coverage, Accident Insurance, Life Insurance? Yes…you think about benefits offered to you as an employee. What about “Leadership?”

Employers recognize the value of disability insurance as a benefit. These products offer peace of mind, because if an employee suffers a disabling illness or accident, the employee can focus on recovery knowing their financial stability is protected. By providing competitive benefits to employees, employers can attract and keep employees while increasing productivity, as well as the overall health and well-being of the workforce.

Critical Illness or Catastrophic Illness insurance...have you heard of it? Maybe not, but in the event of a major health condition such as cancer, heart attack or stroke, this coverage could protect you from a major financial hit. Few, if any major medical (health insurance) policies, will protect you 100% from the financial burdens of a major medical event.

Every year, sometimes twice a year, you go through an Employee Benefits Open Enrollment Process. It’s no secret, this isn’t a process you look forward to each year. You don’t jump up and down with excitement when your employer sends out the communication that provides a heads-up your enrollment is just around the corner, right?

Many of you may have heard your employer’s payroll department or someone mention pre and post-tax benefits. You may have even seen this on your paycheck but do you really understand the difference between the two?

The need for Cyber Security is quickly moving to the top of our priority list. With recent breaches into school systems across the United States, this must be prioritized. Just weeks ago, a school district in Texas lost around $2.3 million in a phishing email scam. Something that could have easily been avoided.