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Companies are able to help employees by building a financial safety net at little or no cost to the employer. Offering disability insurance and life insurance as voluntary benefits could be the keys to ensuring that an employee does not lose everything when a disability or death occurs.

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This is the busy hiring season, students home from college - for the summer or post-graduation. Hire the right people the first time.

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The prayers, coffee, swearing-in, luncheon, and parade, was over - and it was time to dance, laugh and say thank you.

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