Long Term Care: You Have Options

BY LAURA BOTTOMS HIGGINBOTHAMVICE PRESIDENT, INSURANCE SERVICES If you’re like me, you may have noticed an increase in construction of senior living facilities lately. This does not surprise me as it is common knowledge that we have an aging population who is living longer thanks to modern medicine. Therefore, the need for additional senior care […]

Small Group Health Plans Go “Level Funded”

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS As premiums for fully-insured small group medical coverage continue to increase due to the Affordable Care Act’s community rating rules, small business owners looking for competitively priced alternative approaches to health care coverage owe it to themselves to explore “level funded plans” based on a […]

Health Insurance Exchange Trends

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS With the American Healthcare Act (AHCA) continuing to slog its way through Congress and the Affordable Care Act (ACA) still the law of the land, Americans are looking toward the Fall open enrollment season with a mixture of dread and confusion. The good news that […]

As Congress Squabbles, Health Insurance Rates Soar

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS In the insurance industry it is often said that “in the absence of information, an underwriter’s mind is filled with negative thought.”  As we approach 2018, there is a lot of very negative thought swirling in the minds of health insurance underwriters in light of […]

Outline – Insurance Decisions: It Comes Down to Alternatives

Gary Bottoms had the opportunity to speak to fellow advisers in the estate planning industry on July 21st at The Georgia Society of CPAs’ Estate Planning Conference. His presentation, which was geared toward the adviser community, was about what our clients are really thinking and how insurance can be a solution for their fears. His […]

Employee Benefits Are More Important Than Ever

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS With the labor market tight and the individual health insurance market disintegrating, it is more important than ever before for employers to calibrate their employee benefit plan to ensure competitiveness both with respect to plan design and premium cost. And perhaps more important than the […]

A Healthcare Tale of Two Cities

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS As Open Enrollment season continues, millions of Americans are considering their health insurance options for 2018. As has been long predicted, a health care tale of two cities is beginning to emerge in which those with employer-based coverage have solid (albeit expensive) coverage options with […]

Protecting your most valuable asset

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS If you asked most Americans to name their most valuable asset, many would be quick to reference their homes, their cars or perhaps their bank account balance. While it makes intuitive sense to reference a tangible item of value in response to the question, most […]

Bring Out the Best in Others

On May 17th, The Bottoms Group, LLC hosted a luncheon for 150 clients and community leaders at a luncheon featuring best-selling author, psychologist, and TBG friend, Dr. Tim Irwin. Dr. Irwin discussed themes from his new book, Extraordinary Influence: How Great Leaders Bring Out the Best in Others, which recently became a New York Times Bestseller. Guests […]