Benefit Specialists

Your Key to Benefit Solutions

An industry leader since 1980, Benefit Specialists is a privately owned, full service insurance brokerage firm. We specialize in both employer-provided and voluntary benefits for companies of all sizes across a broad array of industries. We serve clients with both single and multiple locations throughout the country. The majority of our clients are based in North Dakota, South Dakota and Minnesota. At Benefit Specialists, we understand that when it comes to finding insurance products and benefit plans for your company, one size doesn't fit all employees in all industries. We work closely with you to determine a cost-effective combination of products for your company's benefit plan which will satisfy your employees, in your industry.

Costs and Incidence of Long-Term Care | Benefit Specialists

Benefits News:

benefitspecialists.biz How likely is a person to experience a need for different types of long-term care? This is a challenging question and it is hard to find good...

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Benefits News: Navigating your family’s open enrollment vision insurance decisions

benefitspecialists.biz If you’ve been meaning to make changes to your family’s insurance package, now is the time to do it. Open enrollment happens once a year, so be sure that important decisions are made before the deadline is over. Here are some tips to help guide you through this year’s open enrollment decisions.

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Benefit News: Five Points of Protection: How LifeLock protects your identity day after day

benefitspecialists.biz LifeLock will monitor for threats against client identities within their financial network. They’ll remove client’s names from major credit bureau mailing lists for pre-approved credit offers, and will provide them with anytime access to alert dashboards.

Did you know that nearly every working American significantly underestimates their risk of becoming disabled? It is important to know the real risk.
Call Benefit Specialists today at (800) 383-6375 to know more about disability insurance.

Long-Term Care Tech Market to Reach $7 Billion by 2018 | Benefit Specialists

Benefits News: The amount spent on healthcare for older Americans is three to five times greater than the cost of care for someone under age 55.

benefitspecialists.biz Fueled by an aging population, the market for elder-care technology products is expected to reach nearly $7.2 billion by 2018, according to a report from BCC Research.

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Vision coverage within the Affordable Care Act | Benefit Specialists

Benefits News: Consider the following truths about vision coverage within the ACA

benefitspecialists.biz Given the increase in the number of people with vision loss not correctable by glasses, concerns about eye diseases, and importance of good vision for performing well in every aspect of life, people should ask whether they can afford not to have vision insurance .

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Health Insurance options for young adults | Benefit Specialists

Benefits News: The number of young adults who go without health insurance has dropped from 18.1 million in 2011 to 15.7 million in 2013.

benefitspecialists.biz The number of young adults who go without health insurance has dropped from 18.1 million in 2011 to 15.7 million in 2013.

Final saving opportunity for single women between ages 50 and 70 to obtain long-term care...

Benefits News: Long-term care saving opportunity for women

benefitspecialists.biz A campaign initiated by the American Association for Long-Term Care Insurance is giving single women between ages 50 and 70 a final opportunity to save while purchasing long-term care.

Long-Term Care buyers’ age steadily dropping | Benefit Specialists

Benefits News: American Association for Long-Term Care Insurance policy's research on the dropping age of buyers.

benefitspecialists.biz Trust us when we say the age of long-term care insurance buyers has been steadily dropping. According to the finding reported by the American Association for Long-Term Care Insurance, overwhelming majority of individuals that purchased a new long-term careinsurance policy in 2012 did so before turni...

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Health vs. Wealth Benefits: Are employees choosing wisely? | Benefit Specialists

Benefits News: Balancing your health benefits with your financial benefits

benefitspecialists.biz As healthcare costs increase, businesses are giving employees more freedom in choosing (and paying for) their preferred benefits plans. However, with this freedom also comes a choice: capitalizing on benefits focusing on health, or taking advantage of benefits that can increase wealth.

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Ten things you need to know about Dental Insurance | Benefit Specialists

Benefits News: Do you know enough about your Dental Insurance plan? Here is a list of ten things that everyone should know about dental insurance.

benefitspecialists.biz For help in choosing the best dental insurance for you and your family, call Benefit Specialists at 701-492-7372 to meet with one of our professional consultants.

Is disability insurance necessary after age 50? | Benefit Specialists

Benefits News: Is disability insurance necessary after age 50?

benefitspecialists.biz Disabilityinsurance, which provides a portion of your income if you can’t work because of an illness or non-job-related injury, is needed by one-third of Americans sometime during their lives. However, only 31 percent of the private sector workforce have long-term disabilityinsurance. And as baby bo...

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Long-term care services expected to surge with 76 billion baby boomers reaching retirement age |...

Benefits News: Baby boomers reaching retirement age may find long-term care elusive.

benefitspecialists.biz You are one lucky parent if your kids are willing to move back in to take care of you when you need them. However, this doesn’t happen that often and not everyone can work around looking after the needs of the elderly.

5 things you didn’t know about group health insurance | Benefit Specialists

Benefits News: 5 things you didn’t know about group health insurance

benefitspecialists.biz Group health insurance plans and employers’ rules for who gets coverage and how much they pay vary widely. These 5 facts about group health insurance might be surprising to you.

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Don’t let long-term care be devastating | Benefit Specialists

Benefit News: The challenges of an aging population are real, along with the potential financial devastation but long-term care can be managed.

benefitspecialists.biz The two greatest fears of baby boomers generation is outliving financial resources and becoming dependent on someone else for care. A lot of seniors believe that Medicare will pay for long-term care, only to be disappointed. According to a recent survey, 44 percent Americans believed Medicare would…

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Social Security Disability Insurance Fund May Implode in 2016 | Benefit Specialists

Benefits News: Social Security Disability Insurance Fund May Implode in 2016...Do you agree with this article? Please comment below.

benefitspecialists.biz One of the major problems facing the Social Security system is its DisabilityInsurance Fund (SSDI), says Stanford University economist Michael Boskin.

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Americans expect more from their employers, voluntary benefits can help | Benefit Specialists

Benefits News: Voluntary benefits can help employers meet their workforce's expectation.

benefitspecialists.biz Work that extra hour, hit the gym, take care of the kids, chores and homework. In this whirl of activities, American workers can easily develop a higher expectation from their employers to help them simplify their lives by providing voluntary benefits as part of an overall employee benefits program.

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Options for dental and vision coverage for federal employees expanding in 2014 | Benefit Specialists

Benefit news: Options for dental and vision coverage for federal employees expanding in 2014

benefitspecialists.biz More insurance companies are planning to participate in dental and visioninsurance program for federal employees and retirees in 2014. Office of Personnel Management announced the first expansion since the program was created in 2006.

Long-term care questions answered | Benefit Specialists

Benefit News: Long term care industry experiencing chaos

benefitspecialists.biz Lately, there has been a lot of buzz about long-term care. The raise in the cost of premium rates for both new and existing customers as well as companies exiting the business have made consumers harder to make their decision.

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Long-term care planning often ignored | Benefit Specialists

Benefit News: Long-term care planning often ignored

benefitspecialists.biz In business, partners must protect themselves from the financial ramifications that a significant health or lifestyle change of a partner can have on the other.

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Should Dad Have Long Term Care Insurance? | Benefit Specialists

Benefit News: Should Dad Have Long Term Care Insurance?

benefitspecialists.biz Long term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Most long term care is to assist people with support services for activities of daily living such as dressing, bathing, and using the bathroom. Long term care can be...

Baby Boomers, long-term care might cost more than you think | Benefit Specialists

Baby Boomers, long-term care might cost more than you think

benefitspecialists.biz According to survey conducted by Harris Interactive for Nationwide Financial Services, boomers estimate their long-term care cost to be $78,923 but the company projects that the cost of nursing-home care in 2030, the year the last boomers are expected to retire, will reach $265,000 a year.

10 Things to know about Medicare | Benefit Specialists

Benefit News:

benefitspecialists.biz Almost all Americans who work pay into the Medicare system, but not everyone knows about the benefits they will become eligible for when they turn 65. Here are 10 things to know about the valuable health insurance you will get in retirement:

[06/17/13]   Benefit News: LifeLock and cards - As industry leaders in such a complex industry, we get asked a lot of questions about how our services work and how our company
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Would including legal plan in your employee benefit solutions help you? | Benefit Specialists

Benefit News: Would including legal plan in your employee benefit solutions help you? Two-thirds of employers who don’t offer a group legal plan as part of their voluntary benefits would consider adding it

benefitspecialists.biz Two-thirds of employers who don’t offer a group legal plan as part of their voluntary benefits would consider adding it if granted additional information, according to a survey released by MetLife. For example, many worry about a legal offering increasing administrative burdens. Of those surveyed, h...

Family dental plan might be the right option | Benefit Specialists

Benefit News: Family dental plan might be the right option
There are individual dental plans available, but also family dental plans which cover for all the members of the family

benefitspecialists.biz There are individual dental plans available, but also family dental plans which cover for all the members of the family. These family plans are extremely affordable too.

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Benefit Specialists

Benefit News: Common myths about long-term care
Many people think long-term care refers to an insurance policy. While insurance may be part of your strategy, long-term care incorporates many other decisions. http://benefitspecialists.biz/blog/

benefitspecialists.biz Your key to experienced, customized, employee benefits solutions

[05/31/13]   Benefit News: Trend toward part-time work, cuts in health coverage began before ObamaCare- Cutting back employees’ hours and access to health care insurance started since before President Obama’s healthcare law passed.
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[05/29/13]   Benefits News: Symptoms of vision problems in children
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[05/24/13]   Benefits News: Why Baby Boomers Need To Get Real About Health And Long-Term Care Costs In Retirement http://ow.ly/2x8lZ0

[05/22/13]   Benefits News: Easy ways to attract employees to your Employee Assistance Program http://ow.ly/2x523E

[05/16/13]   Benefits News: Should you consider buying disability insurance? http://ow.ly/2wVMab

[05/14/13]   Benefits News: Protect your children from identity theft criminals with LifeLock http://ow.ly/2wRTtR

[05/12/13]   Benefits News: Why disability claims have been skyrocketing - According to Social Security Administration, there has been a 29% increase in Americans with little or no work experience getting disability payments since 2003. The federal government spent nearly $250 billion in 2011 paying more than 23 million Americans some type of disability claim. These numbers don’t include people out on worker compensation claims, which [...] http://ow.ly/2wOQET

[05/09/13]   Benefits News: Things you should know about vision insurance http://ow.ly/2wKQMQ

[05/07/13]   Benefits News: Consumer Health Care No Longer on the Fringe - Consumer Driven Health Care, CDHC has seen a considerable growth in the past decade. It includes greater acceptance of consumer driven health care and related products by both employers and employees. Thus, making these plans and the associated products such as health savings accounts viable option for millions. The development of consumer driven health care [...] http://ow.ly/2wHpAD

[05/04/13]   Benefits News: LONG-TERM CARE: Attitudes among Americans 40 or Older  http://ow.ly/2wDar3

[05/01/13]   Benefits News: Long-term care insurance may be tougher to get http://ow.ly/2wyRON

[04/25/13]   Benefits News: Benefits of having dental insurance - A good dental insurance will cover for preventative dental care such as fluoride treatments and professional dental cleanings, or diagnostic treatment like X-rays. Choose your dental insurance provider smartly so that all your basic dental care is covered through insurance so you don’t have to deal with out of pocket costs. Your dental insurance [...] http://ow.ly/2wqnAF

[04/23/13]   Benefits News: Dental and vision benefit trends - Enrollment in dental benefit plans has been progressively rebounding since 2009 when enrollment rates took a big hit because of high unemployment caused by the recession, according to the National Association of Dental Plans, NAPD. A 2012 report by the NAPD and the Delta Dental Plans Association showed that there were about 176 million people, [...] http://ow.ly/2wn5wR

[04/18/13]   Benefits News: Ways to handle an increased long-term care insurance rate http://ow.ly/2wgarx

[04/15/13]   Benefits News: Legal plan benefits to boost employee satisfaction and loyalty http://ow.ly/2wcjTD

[04/10/13]   Benefits News: Reasons for soaring long-term care insurance premium http://ow.ly/2w5pwS

[04/04/13]   Benefits News: Prohibition on Waiting Periods That Exceed 90 Days for Group Health Plans http://ow.ly/2vWY0r

[04/02/13]   Benefits News: Frequently asked vision care insurance questions http://ow.ly/2vTtQb

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