Most employees believe they have life insurance through work, and most have less than they think. What group and supplemental life actually cover, and what to tell your team at enrollment.

Your board members make real decisions and most have never been told whether they're personally protected. Here are the four coverages that matter for a Maryland nonprofit, plus why charitable immunity isn't the protection your board may think it is.

"We're under fifty, so FMLA doesn't apply to us" is usually true and usually the wrong conclusion. Four different leave laws apply in Maryland at four different headcounts, and the one small employers miss exists precisely because they're too small for the federal rule.

Two things go wrong with this law, and neither is the part employers worry about. Under fifteen employees doesn't mean exempt, and a missing line on your pay stubs can put an otherwise compliant employer out of compliance.

Frederick employers are competing for the same people. Here's how to tell whether your benefits package is helping you win them — and the three numbers worth checking before renewal.