Archives

Putting the “Human” back in “Human Resources”

May 12, 2016 by in category Employee Benefits

Affordable Care Act, Medicare Part D Notices, Exchange notices, MA Sick Leave Law, 1095, 6055/6056, COBRA, SPD Wrap Docs, FMLA, etc… These are just a few of the day-to-day or annual challenges facing Human Resource professionals today. As I discuss all of these with my clients I come to one common realization, there is nothing […]

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7 Misconceptions about Life Insurance

April 28, 2016 by in category Life Insurance

No one likes to think about buying life insurance. After all, buying life insurance means admitting you are not immortal, and that your loved ones need protection. To make matters worse, many consumers harbor harmful misconceptions about life insurance. Here are 7 commonly held but incorrect beliefs about this important form of insurance coverage. #1. […]

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The Changing Role of a Benefits “Broker”

April 14, 2016 by in category Why Offer Benefits?

Our role in this industry has certainly progressed and evolved over the last few years. No longer are we simply looked at as “brokers.” We are now more aligned with the strategic mission of our clients. Our role is now one of a strategic partner than just simply a broker. Our knowledge and expertise expands […]

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COBRA Insurance: What is it? Most Common FAQs

March 17, 2016 by in category COBRA Insurance

If you are leaving your job, either voluntarily or as the result of a layoff or workforce reduction, you may be offered continued health insurance coverage through a plan called COBRA. COBRA is an acronym for the plan that gave rise to this special form of health insurance coverage – namely the Consolidated Omnibus Budget […]

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Must-Know Tips for the Small Business Owner

March 16, 2016 by in category Employee Benefits

When you work for someone else, your employer provides a basic level of insurance coverage to protect you and your family. Whether it is life insurance worth one to two times your annual salary or disability coverage that pays part of your salary when  you are laid up, this basic insurance is designed to give […]

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2016: Commuter Choice Contribution Changes

January 5, 2016 by in category Employee Benefits

Commuter Choice Contribution Changes A very welcomed change for many!! The U.S. House of Representatives passed the “Protecting Americans from Tax Hikes” (PATH) Act. This Act was passed On Dec.17th 2015. On December 18th, this measure was approved by The Senate. This Act has been rolled into the Consolidated Appropriations Act and the omnibus bill was signed […]

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HSA Contribution Limits and Minimum Deductibles Adjusted for Inflation

May 8, 2015 by in category Employee Benefits

The IRS has released the 2016 inflation adjusted amounts for health savings accounts (HSAs). To be eligible to contribute to an HSA, an individual must be covered under a high deductible health plan (HDHP) and meet certain other eligibility requirements.   Annual Contribution Limitation For calendar year 2016, the annual limitation on HSA deductions for […]

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New FAQ on Summary of Benefits and Coverage Requirements

April 21, 2015 by in category Affordable Care Act

FAQ Clarifies When Proposed Rules & New SBC Templates Will Be Finalized A new FAQ prepared jointly by the U.S. Departments of Labor, Health and Human Services, and the Treasury clarify when the Departments intend to finalize previously issued proposed regulations on the summary of benefits and coverage (SBC) notice requirements under Health Care Reform, […]

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Clarifications and Tweaks Continue to Change ACA Implementation

April 12, 2014 by in category Affordable Care Act

Early 2014 has brought some clarifications and changes to the Affordable Care Act and its implementation.  Read on for information about just a few of the changes employers should be aware of. You can keep your coverage…again.  Last November, the Obama administration responded to pressure from employers and consumers and allowed people to keep existing […]

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