Mount Pleasant Tribune (Mount Pleasant, Tex.), Vol. 146, No. 80, Ed. 1 Wednesday, September 16, 2020 Page: 6 of 9
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TribNow.com • Page 6
Sept. 16, 2020
BUSINESS SPOTLIGHT
Open enrollment choices can have big financial impact
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Gas Lines, Water Heaters & Roto Rooter
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607 N. WASHINGTON
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• Disability insurance - In addition to offering group
life insurance, your employer may provide short-
term disability insurance as an employee benefit.
Like group insurance, this disability coverage may
not cost you anything, but it may not be adequate
- typically, short-term disability only replac-
es part of your income for three to six months.
And while you may never need to miss work for
FACTORY
AUTHORIZED
DEALER
24 Hour
Towing Service
help support our
community.
It’s that time of year again, where, if you work for
a medium-to-large employer, you’ve got some deci-
sions to make because it’s open enrollment time. Of
course, depending on your situation, you may have
been working remotely for a while, but, even so, you
will likely have the opportunity to review your ben-
efits package and make changes. And you’ll want
to make the right moves, because your choices can
have a big financial impact on your life.
So, take a close look at these key areas of your
benefits program:
• Life insurance - Your employer may offer a group
life insurance policy for free, or for a small
amount. It’s probably worth your while to take
this coverage, but it may not be enough for your
needs. If you only had this group policy, but your
family situation has recently changed through
marriage or the addition of a new child, you may
well need to add some private insurance.
an extended period of time, you never can tell -
after all, more than one n four 20-year-olds will
become disabled before they retire, according to
the U.S. Social Security Administration. You may
want to consider purchasing your own long-term
disability policy on top of the coverage offered by
your employer.
Rocky Russell
Nights 572-6500
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Auto Frame Repair
Complete Body Repair
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NEW CONSTRUCTION • REMODELS • SERVICE
Cliff's Paint & Body Shop, Inc.
903-572-5678
• Health insurance - Think about your health care
needs over the coming year - will you or someone
in your family be coping with a chronic illness or
facing a surgery? Will you need to at least consid-
er testing and possible treatment for COVID-19?
In any case, make sure you’re choosing the right
plan for your needs. And pay close attention
to any changes in your health insurance, such
as whether the plan’s provider networks have
changed - you may want to make sure your own
doctor is still in-network. Also, check to see if you
can reduce your health care premiums by taking
part in a wellness program or health-risk assess-
ment.
DEPENDABILITY SINCE 1983
Air Conditioner & Heating • Sales & Service
Commercial Ice Machines
www.jon-wayne.com
WE SERVICE ALL BRANDS!
903-5374531
903-285-0935 • travis@texlandrealty.com
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•Roofing •Construction
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•Interior/Exterii 'aiming
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• Retirement plan - You can probably make chang-
es to your 401(k) or similar employer-sponsored
retirement plan at any time, but why not look at
it now, when you’re reviewing all your benefits?
if you can afford to increase your contributions,
you probably should, because a 401(k), with its
tax advantages and ease of contribution through
paycheck deductions, is a great way to save for
retirement. At a minimum, put in enough to earn
your employer’s match. You’ll also want to review
your 401(k)’s investment mix. Is it still providing
you with significant growth potential within the
context of your individual risk tolerance? Over
time, you may need to make some adjustments,
either because an investment is underperform-
ing or because you’re getting close to retirement
and you need to reduce your risk exposure. In any
case, it’s a good idea to check up on your 401(k)’s
investments at least once a year.
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Cross Country
Communications
When Service Counts
Telephone Systems Sales and Service.
Service on Avaya, Lucent, Merlin, Nitsuko, Nortel,
Partner and most others.
Servicing Mt. Pleasant since 2000
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Cross Country Commu-
nications, based in Sulphur
Springs, specializes in sell-
ing, servicing and main-
taining digital and VoIP
telephone systems. Over the
past couple of decades, or-
ganizations large and small
have come to rely on Cross
Country products and ser-
vices to solve their commu-
nications problems.
Whether your organiza-
tion is expanding, relocating
or just ready to upgrade your
existing equipment, Cross
Country Communications
would appreciate the oppor-
tunity to earn your business.
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W REALTY & AUCTION
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FARM & RANCH & RESIDENTIAL . LAKE . COMMERICAL
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Realtor - Sales Agent
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Duncan, Di. Mount Pleasant Tribune (Mount Pleasant, Tex.), Vol. 146, No. 80, Ed. 1 Wednesday, September 16, 2020, newspaper, September 16, 2020; Mount Pleasant, Texas. (https://texashistory.unt.edu/ark:/67531/metapth1429394/m1/6/?rotate=90: accessed July 16, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Mount Pleasant Public Library.