Homeowners Insurance North Carolina 2025

Read time: 5 minutes | By SIA Group | Last Updated: August 2025 | In this article, we’ll discuss important factors to consider when choosing homeowners insurance in North Carolina. Homeowners Insurance Going Up Owning a home in North Carolina comes with plenty of pride — and plenty of risk. From hurricanes on the coast…

Read More

The Top 5 Benefit Trends Employers Are Adopting in 2025

In today’s competitive job market, offering a basic health plan is no longer enough. Employees want more—and in 2025, the most successful companies are listening. If you’re wondering how to enhance your employee benefits strategy, start with these top five benefit trends employers are adopting in 2025. They’re not just perks—they’re essentials for retention, satisfaction, and…

Read More

Why Group Health Plans are Crucial for Small Businesses

A person operates a point-of-sale system on a tablet in a small business setting, with a card reader and receipt printer in the foreground. A staff member is seen serving a customer in the background. The caption reads, "Why Group Health Plans Are Crucial for Small Businesses," alongside the SIA Blogs logo. An example of group health plans for small businesses.

As a small business owner, you wear many hats, from managing day-to-day operations to making strategic decisions for growth. One of the most impactful decisions you can make is offering group health plans to your employees. While it might seem like a significant expense, the benefits of providing health coverage far outweigh the costs, both…

Read More

Life Insurance Awareness Month

An older couple sits closely together with the man's arm around the woman, promoting Life Insurance Awareness Month. The "SIA Blogs" logo appears in the lower-right corner.

Life insurance may not be the most exciting topic, and it might feel like an unnecessary expense. However, if you have loved ones who rely on your financial support, life insurance is essential for their protection. In the event of your passing, your designated beneficiary would receive a financial benefit. To help you navigate the…

Read More

ERISA Penalties: Employer Fined for Failing to Provide Mental Health Benefits Information

A woman consults with a therapist, holding a tissue. Text overlay discusses ERISA penalties related to mental health benefits. The "SIA Blogs" logo is displayed in the lower-right corner.

The U.S. District Court for the District of Montana recently awarded over $32,000 in penalties against an employer’s self-insured health plan and its third-party administrator (TPA) for failing to provide requested information to a plan participant. This case involved a dispute over mental health benefits and underscores the importance of promptly responding to participants’ information…

Read More

Protecting Your Loved Ones: The Importance of Life Insurance

An older couple sits together on a bench, smiling as they look at a tablet. The scene is set outdoors with soft, warm lighting and trees in the background. The caption reads, "Protecting Your Loved Ones: The Importance of Life Insurance," along with the SIA Blogs logo.

Life insurance is a topic that often gets pushed to the back burner. It’s not the most exciting thing to think about, and some may view it as an unnecessary expense. However, when you have loved ones who rely on you for financial support, life insurance becomes a crucial tool for safeguarding their future in case of unforeseen circumstances. Let’s delve into the basics to help you better understand the significance of life insurance.

Read More

What Employers Need to Know for 2024

A woman in a plaid blazer reviews documents at a table while a man in a suit sits across from her, holding his glasses. The caption reads, "What Employers Need to Know for 2024," along with the SIA Blogs logo.

The landscape of preventive care coverage is undergoing shifts, and employers must stay informed to ensure compliance and provide comprehensive healthcare benefits to their employees. In this blog post, we’ll discuss key changes impacting the Affordable Care Act’s (ACA) preventive care coverage requirements for 2024 and beyond. Conclusion of COVID-19 Coverage Requirements: With the conclusion…

Read More

Employee Benefit Plan Limits in 2024

A man and a woman are seated at a desk, reviewing documents together with smiles, appearing engaged in a discussion. The caption reads, "Employee Benefit Plan Limits in 2024," along with the SIA Blogs logo.

Many employee benefits have annual dollar limits, adjusted for inflation by the IRS. Common benefits affected include: The IRS announces these limits before each calendar year, allowing employers to update plans accordingly. This overview provides 2024 inflation-adjusted limits, with 2023 limits for comparison. Note that some limits, like dependent care FSA and HSA catch-up contributions,…

Read More

Safeguarding Your Future

A couple walks arm-in-arm along a peaceful beach, enjoying the sunny day and the ocean view, evoking a sense of togetherness and security. The caption reads, "Safeguarding Your Future," with the SIA Blogs logo.

Welcome to the month of September, where we join hands to raise awareness about a vital aspect of financial planning – Life Insurance. Life Insurance Awareness Month serves as a reminder to protect what matters most – your loved ones and their future. As an insurance company dedicated to securing your peace of mind, we…

Read More

It’s Back to School, NOT Back to the ER!

A young baseball player in a red jersey and gray pants is in the middle of swinging at a pitch on a baseball field. In the background, several teammates are seated and watching the game. The caption reads, "It’s Back to School, Not Back to the ER!" with the SIA Blogs logo.

Did you know, that the most dangerous ages for boys are 12 to 13; making up almost 18 % of all boys’ school injuries over the past two years? The most dangerous ages for girls are 13 to 14; making up 17% of injuries for all girls. Approximately 6 million youth participate in school-affiliated team sports and over 30 million play sports outside of school. It’s no wonder that sports-related injuries account for 3.5 million doctors and ER visits each year!

Read More