Archives

New Year, New ACA Affordability

January 2, 2017 by in category Affordable Care Act

On April 12, 2016, the Internal Revenue Service (IRS) issued Revenue Procedure 2016-24 to index the contribution percentages in 2017 for purposes of determining the affordability of an employer’s plan under the Affordable Care Act (ACA). For plan years beginning in 2017, employer-sponsored coverage will be considered affordable if the employee’s required contribution for self-only […]

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Health Care Reform FAQ: Rights & Protections

December 20, 2016 by in category Affordable Care Act

Whether you need health coverage or have it already, the Affordable Care Act (ACA) offers new rights and protections that make coverage fairer and easier to understand. Some rights and protections apply to plans in the Marketplace or other individual insurance, some apply to job-based plans and some apply to all health coverage. How does […]

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Stay Stress-Free This Holiday Season With Employee Assistance Programs (EAPs)

December 1, 2016 by in category Employee Assistance Programs

Employee productivity is important for any business’ success, but sometimes employees are too overwhelmed by personal or behavioral problems to perform at their highest level. High stress, psychological problems, substance abuse, legal troubles and other personal issues can lead to lower productivity and focus during work, increased absenteeism and higher health care costs. An EAP […]

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COBRA: Qualifying Events

November 15, 2016 by in category COBRA Insurance

Qualifying events are certain events that would cause an individual to lose health coverage. The type of qualifying event will determine who the qualified beneficiaries are and the amount of time that a plan must offer the health coverage to them under COBRA. A plan, at its discretion, may provide longer periods of continuation coverage. […]

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Life Insurance: The Basics

September 2, 2016 by in category Life Insurance

Life insurance isn’t a fun thing to think about, and it may seem like an unnecessary expense. But if you have people who depend on you for financial support, then life insurance is really about protecting them in case something happens to you – your designated beneficiary would collect a financial benefit upon your death. […]

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Preparing for and AVOIDING a DOL Audit

August 16, 2016 by in category Rules & Regulations

Rules & RegulationsBecause a DOL audit can disrupt an employer’s day-to-day business operations and possibly result in penalties (or other corrective action), it is important for employers to know how to prepare for, and potentially avoid, a DOL audit of their health plan. As a general rule, the best way to prepare for a DOL […]

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IBG + Code SIXFOUR. HR made better.

June 29, 2016 by in category Employee Assistance Programs

Code SIXFOUR, The Benefits Consulting Cloud. Integrated Benefits Group is proud to announce a new partnership with Code SIXFOUR, a comprehensive, cloud based HR platform. Code SIXFOUR is an unbiased, comprehensive consulting resource allowing insurance and benefits agents the ability to communicate and share strategies. This extended offering will now provide IBG clients with analytical benchmarks […]

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5 ACA Facts for Applicable Large Employers

May 26, 2016 by in category Affordable Care Act

Some of the provisions of the Affordable Care Act (ACA) only affect companies that are considered “applicable large employers” (ALEs). ALEs are generally those with 50 or more full-time employees, including full-time equivalent employees. (Special counting rules apply for seasonal workers.) Here are five things ALEs should know: ALEs must either offer minimum essential coverage […]

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