Jay Tunstall

Switching life insurance providers may seem appealing, but it comes with potential challenges like new medical exams, fees, and reset contestability periods.

SB 1090 increases SDI and PFL wage replacement to 70-90% and streamlines claim processing.

To maintain the tax advantages of employee benefit plans, employers must ensure compliance with nondiscrimination rules, which prevent preferential treatment for highly compensated or key employees.