Small Business Benefits

Key Person Insurance: Protecting Your Business When a Critical Employee Can't Work

The Team at MSJ Benefit Advisors

Published on: 16/10/2026

A plain-language look at key person insurance — what it generally protects against, how small businesses typically use it, and what to understand before comparing options.

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Section 125 Cafeteria Plans: A Tax-Advantaged Way to Offer Benefit Choices

The Team at MSJ Benefit Advisors

Published on: 09/10/2026

How Section 125 cafeteria plans let small businesses offer tax-advantaged benefit choices to employees, and what owners should know before setting one up.

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Self-Funded vs. Fully-Insured Health Plans: What Small Business Owners Should Understand

The Team at MSJ Benefit Advisors

Published on: 02/10/2026

A plain-language look at self-funded and fully-insured group health plans — how these two structures generally differ, and what small business owners should understand before comparing options.

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Health Reimbursement Arrangements: A Different Way for Small Businesses to Offer Health Benefits

The Team at MSJ Benefit Advisors

Published on: 25/09/2026

A plain-language look at Health Reimbursement Arrangements — a different way small businesses can approach offering health benefits, and how they generally compare to traditional group coverage.

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