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Cyber-Attacks Target Life Sciences and Healthcare Industries

As our society becomes more and more digital, it is increasingly important to protect your businesses from the repercussions of a cyber-attack. While creating privacy policies, building secure firewalls and being diligent with security are all critical to preventing a cyber-attack, it is equally critical to have the proper insurance program in place, should a breach occur. Cyber-attacks can be extremely costly and it is a common misconception that the associated damages would be covered under conventional insurance policies.

A common target of online criminals, the life sciences and healthcare industries need to be extra diligent when it comes to…


Healthcare Reform – Where Do We Go Next?

As a benefits consultant who has worked in the health insurance industry for more than twenty years, representing dozens of companies of all sizes, the discussion about what is next for healthcare reform both frustrates and intrigues me. We have an opportunity to make meaningful, cost-effective changes that are needed for all Americans, regardless of affiliations or preferences.

Here’s what we know. Under the Affordable Care Act (ACA), Americans have struggled to afford their health care costs, access insurance that meets their needs, and see the doctor they know and like. Insurance premiums have risen 65% since 2010 and insurers…


The Estate Planning Essentials

There are three essential legal documents that help to ensure safe passage of your property to your heirs. These documents are also recommended to ensure that your best interests are kept at the heart for your medical care, charitable bequests, and in the event of incapacity. In years past, a family lawyer would handle these tasks for you, however, the Internet now provides many additional web-based services. Here are the basics you need to know before getting started whether you take a traditional, in-person or more modern, online approach.

The essential three documents for estate-planning are: a Will, General Durable…

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