By Corinne Mitchell

What are Section 125 Plans?

One type of group insurance benefits that may be offered by an employer are Section 125 Plans. These Section 125 Plans are also known as cafeteria plans, flexible benefit plans or mini-flex plans. The Internal Revenue Code Section 125 outlining these plans first appeared in the tax code in 1978, but didn't gain popularity until tax laws changed in 1986 and gave employees greater tax advantages.

The purpose of the code was to allow employers to have a separate written plan for their employees that provided them with an opportunity to receive certain fringe benefits on a pretax basis. All plans are strictly regulated by the IRS and must meet specific requirements and regulations that can and do change. The written plan must specifically describe all benefits and establish rules for eligibility and elections. Because of the stringent guidelines, many employers offering these plans have them administrated by an outside source.

How do Flexible Benefit Plans Work?

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By Michael Birzon

Following the 2004-2005 Florida Hurricane season, two important events occurred. First, the number of Florida public adjusters, both resident and non-resident grew substantially. Second, established public adjuster firms became concerned that their market share was diluted by the increased competition.

Following a lobbying effort by FAPIA (Florida Association of Public Insurance Adjusters), changes in the licensing laws for public adjusters were made. In addition, new laws concerning customer contact, fees and contracts were also passed. The intended effect of the laws were to protect the public and protect the market share of established public adjuster firms.

Some of these changes became effective October 1, 2008. Additional changes regarding an apprenticeship program will take effect January 1, 2009.

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By Robert McKnight

Because of the increasing necessity to protect your home from foreclosure you are in a position of having to seek out information; you need to know the unemployment insurance facts. Unemployment insurance may be the protection you are searching for, but you have to be sure.

Here are some of the basic unemployment insurance facts for you to consider.

Unemployment is Rising and Increasing the Need for Unemployment Protection

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By Allison Ryan

Although there are occasional instances in which the chairman of the board of directors actually exercises the operating control of the company, this function is most often in the hands of the president. The president has general administrative supervision over all departments. In small companies, he may even be in active control of one or more departments.

As a general rule, the president is subordinate to the board of directors; but it is not particularly uncommon for the directors actually to be under the control of the president. Companies are often organized and built mainly through the impetus of one or two people who naturally assume control. If one of these individuals prefers to be president, he will exercise control of term life insurance rates, even though he is technically subordinate to the board of directors.

Often, in cases of domination of the company by one man, the primary qualification of a candidate for the board of directors is amenability to the wishes of the president or controlling management bloc. A secondary consideration will then usually be the prominence of the candidate and, hence, his publicity or public-relations value.

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By Robert McKnight

Unemployment Mortgage Protection is a type of insurance that can protect you when you need it the most. Choosing to purchase this type of insurance is a big decision. There are some important things to understand about this type of coverage that can help you in making your decisions. Job Loss Protection can save your home and it is affordable.

Unemployment Mortgage Protection Can Save Your Home

This type of insurance will give you financial coverage if you lose your job. In the case of involuntary unemployment, this coverage will kick in and actually pay your mortgage for you for a specified amount of time. Usually the preset time is up to six months. The last thing you need, if you lose your job, is to be in jeopardy of losing your home as well.

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