How Does Short-Term Disability Work?
By Theresa Semple If you've undergone a procedure or come down with a sudden illness that prevents you from working, you may need to file for short-term disability. Injuries can really complicate things with your employment. Disability insurance is there to help you...
Brace for Impact: Employer Health Insurance Premiums Set to Surge in 2026
As employers prepare benefits for the upcoming year, one thing is clear: the cost of providing health insurance is climbing steeply. After years of relatively moderate growth, the forecast for 2026 is cause for concern—and action. What the data says A survey of...
Supplemental Benefits Explained: The Hidden Value for Your New Jersey Employees
In today’s unstable economic environment, New Jersey small business owners face a growing requirement to protect both their operations and their workforce. Health insurance offers a foundational layer of protection. However, there is hidden value in supplemental...
Short Term vs. Long Term Disability: Which Is Best for Your NJ Team?
By Theresa Semple | Semple Solutions, July 2025 Helping Middlesex County NJ employers navigate coverage, costs, and compliance with confidence. When it comes to protecting your most valuable asset — your employees — disability insurance should never be just a checkbox...
Employees Working from Home Out of State: Guidelines and the Importance of Handbooks
In today’s evolving workplace, remote work has become a cornerstone of flexibility and productivity. However, when employees work from home out of state, businesses face unique challenges that require careful navigation. From compliance with state-specific regulations...
Why Your Business Should Offer Short Term Disability Coverage
A business that respects and protects its employees is one that offers short-term disability coverage. Why (and how) can you explore this insurance? Learn here.
Understanding Group Medical, Vision, and Dental Benefits for Small Businesses
Attracting and Retaining Talent In today’s competitive job market, small businesses must offer strong benefits packages to attract and retain top talent. Studies show that 88% of job seekers consider health benefits when choosing an employer (Source: SHRM). Providing...
How Positive Feedback Can Transform Your Team
By Theresa Semple Positive feedback in all aspects of life is an encouraging force that reminds us that we are on the right path, in a particular project, a personal or business relationship, or even as a response to the meal we prepared for dinner. Positive feedback...
Mastering Annual Medical Enrollment: Tips and Tricks for a Smooth Process
By Theresa Semple Navigating the annual medical insurance enrollment process can feel overwhelming, especially with a multitude of plans, coverage options, and premium structures to choose from. Whether you’re signing up for employer-sponsored health insurance or...
The Importance of Reviewing Your Insurance Policies Annually
By Theresa Semple | September 10, 2024 How many times during annual open enrollment do you skim through the documents, then ask someone if anything changed and click on the same coverage you had last year? Don’t be embarrassed, you are not alone, others do this as...
Make Group Life Insurance Simple
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Semple Solutions, LLC
Sayreville, NJ 08872
(732) 238-6734