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An overview of specialty drugs & their impact on your pharmacy-benefit plan
Specialty drugs are high-cost prescription medications typically used to treat chronic conditions. Most often, they require specialty handling and administration by the dispensing pharmacy and prescribing physician. At a glanceComplex Large Molecules and Biologic Drugs Biology-based molecules that structurally mimic compounds found within the body. High Cost per Prescription Average cost of $3,000 per month. […]
Six Compelling Reasons Marketing Managers Should Use an Agency
So, your organization has an internal marketing team? Great. But, keep reading. Some companies think if they have an in-house marketing staff, they have no reason to hire a marketing agency. Some say an agency doesn’t know your company from the inside-out like your inside team and it is just going to cost you more
Estate Planning Involves Much More than Signing a Will
In the age of the Internet, there is a growing trend among Americans who need a will to avoid the cost of a lawyer and use a legal-services website like Legal Zoom or use some “free will form” they found on the web. However, there are many dynamics that go into estate planning beyond executing
Make Your Giving Count: Now and in the Future
In the next few years, $22 billion is expected to transfer from one generation to the next in Central New York. Over the next 50 years, the expected transfer of wealth for our region is estimated at $240 billion. This is according to a study commissioned by the Central New York Community Foundation and conducted by
Protect your business from creative data-breach plaintiffs’ attorneys
Awareness is half the battle As more companies become victims of data security breaches, plaintiffs in data-breach cases have devised new and creative arguments under a variety of legal theories in a constant attempt to expand the scope of liability for companies or business owners. Businesses should consult with counsel on ways to limit damages
Continuing Education, Information is Key to Risk Management
With the start of every new academic year, and the focus of education on so many people’s minds, it is a good idea to revisit your own plan for continuing development of your business. This is an opportunity to see if you are keeping up with the latest information relevant to your success and reducing
14 Ways to Sabotage Your Sales Career
A Sales manager scratches his head and says, “Right from the start, I was so sure Carl would be a top performer. I would have put money on it. But before I knew it, he crashed and burned.” It’s an old story, one that often ends with the same words, “I wasn’t cut out for
Afraid You’ll Be Forced to Work in Retirement?
That may not be so bad. Many older Americans who once dreamed of lounging around the house in retirement instead are waking up each morning to get ready for work. A recent Pew Research Center study showed that the percentage of Americans 65 and over who are still employed is on the rise, having reached
New York State DOL Issues Regulations on Payroll Debit Cards
On Sept. 7, the New York State Department of Labor adopted regulations governing the payment of employee wages by any method other than cash or check, including direct deposit and payroll debit cards. The purpose of the new rules, which will become effective on March 7, 2017, is to ensure that workers who are paid
Projecting Your Income Needs in Retirement
If you want to retire comfortably, how much do you need to save before you can leave your job? You’ve probably heard that you’ll need to replace a certain percentage of your income to sustain your lifestyle in retirement. Financial experts estimate that percentage could be anywhere from 60 to 90 percent, or even more.
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