Health Care Reform View All →

Wellness Programs, ADA & GINA: EEOC Final Rule

fitness-running

By   5 days ago

The U.S. Equal Employment Opportunity Commission (EEOC) issued two final rules on how employer wellness programs can comply with Title I of the Americans with Disabilities Act (ADA) and Title II of the Genetic Information Nondiscrimination Act (GINA). Both rules were published in the May 17, 2016 Federal Register, along with Question-and-Answer documents for ADA […]

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Penalties Under Employer Shared Responsibility

minimum-wage-dollar

By   5 days ago

by Lisa Klinger, J.D. and Susan Grassli, J.D.   This is an updated and revised version of the prior article on the same topic, which was posted on Feb. 9, 2015.  The penalty amounts of $2,000 and $3,000 annually have been indexed for inflation and in 2016 are $2,160 and $3,240  (2015 amounts were $2,080 […]

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2017 Benefit and Payment Parameters: Final Rule

health and human services - HIPAA audit

By   1 week ago

The 2017 Benefits and Payments Parameters Final Rule rule is 538 pages and covers numerous topics. This article highlights some that may be of particular interest to employers, such as 2017 maximum OOP limits, continued “no minimum participation requirements” special enrollment for small employers, numerous exchange issues, and others.

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IRS Publishes HSA Limits for 2017

IRS-building-NY

By   4 weeks ago

On April 29, 2016, the Internal Revenue Service (IRS) released Revenue Procedure 2016-28 to announce the inflation-adjusted limits for health savings accounts (HSAs) for calendar year 2017. The IRS announced the following limits for 2017: The maximum HSA contribution limit; The maximum deductible amount for high deductible health plans (HDHPs); and The maximum out-of-pocket expense […]

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ACA FAQS 31: MHPAEA, Reference-Based Pricing, Preventive Services and More

faqs

By   1 month ago

On April 20, 2016, the DOL, HHS and IRS issued Affordable Care Act Frequently Asked Questions, Part XXXI (ACA FAQs 31), addressing specific implementation issues under numerous provisions of the ACA and other laws.  This article summarizes the information in each of the 12 questions and answers, on: preventive services, rescissions, several disclosure obligations, coverage […]

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H.S.A. Advisors Subject to DOL’s Final Rule on “Fiduciary”

piggy-bank

By   1 month ago

The Department of Labor (DOL) final rule on the definition of “fiduciary” expands the definition not only for retirement accounts such as 401(k)s, 403(b)s and IRAs, but also as applied to non-retirement accounts such as Health Savings Accounts (HSAs) and other accounts.

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Agencies Finalize Newest Version of SBCs

sbc

By   2 months ago

On April 6, 2016, the Department of Health and Human Services (HHS) and other federal government agencies announced key enhancements to the Summary of Benefits and Coverage (SBC) template and Uniform Glossary that the Agencies issued on February 26, 2016. This article summarizes these changes and includes links to all the final documents and instructions. Group health plans and health insurance issuers must use these new final forms as of the first open enrollment on or after April 1, 2017.

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IRS-CMS Data Match Letter: Be sure to Respond!

notice-letter

By   2 months ago

If you receive a letter from the IRS-SSA-CMS Data Match program, be sure to respond to it, within 30 days! Potential penalties apply if you don’t. In many cases it is not that difficult to provide the information requested in the Data Match letter! So save yourself a future headache and respond to the Data Match letter now.

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Business Insurance View All →

Life Insurance: A Strategic Wealth Transfer & Business Tool

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By   1 month ago

While life insurance is essential for taking care of family members when you die, it can also be a critical strategic tool when it comes to wealth management.

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Guiding Your Safety Efforts with Incident Rates

guiding-your-safety-efforts-with-incident-rates

By   2 months ago

Incident rates are a very useful tool for companies to use in benchmarking their performance. Developing these benchmarking tools can be a very helpful first step in monitoring your safety performance.

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OSHA Civil Penalties Set to Increase Significantly in 2016

Money_web

By   2 months ago

Are you aware that civil penalties for all employer violations of OSHA regulations will be increasing this year? While an OSHA citation can be costly, the health and safety of employees is on the line when safety standards are not enforced in the workforce.

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Are Your Employees Appropriately Reporting Workplace Injuries?

By   5 months ago

Underreporting workplace injuries can have a serious impact on an organization. Learn how you can use injury reporting as a proactive solution to safety.

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Keeping Employees Safe with Personal Protective Equipment

union-workers

By   5 months ago

Learn how to keep yourself and your employees safe on the job through personal protective equipment.

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Recognizing and Preventing Workers Compensation Fraud

Workers-Compensation-Fraud

By   7 months ago

There are many types of workers compensation fraud, and fraud can be perpetrated by just about anyone in the system.

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Prepare Your Business for Winter Weather

Snow-Plow

By   8 months ago

The effects of cold weather and winter storms are a leading cause of business interruption.

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Understanding Captives

Understanding-Captives

By   8 months ago

Alternative insurance vehicles are often misunderstood by those who aren’t immersed in the insurance world. This article discusses the advantages of captives.

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Personal Insurance View All →

Teens and Distracted Driving

Distracted-Teen-Driver

By   1 month ago

Keeping teens and young adult’s attention focused on driving and eliminating other distractions can have a positive impact on their safety.

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Auto Insurance – Does Continuous Coverage Really Matter?

Auto insurance - Does continuous coverage really matter?

By   1 month ago

One of the things insurance companies consider when they quote an auto policy is the length of coverage in your insurance history. If they see a long, unbroken history of insurance, they’ll reward you with lower rates. If your record is spotty, fragmented by periods with no coverage, you’ll pay more as a result. Essentially, […]

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State Minimums vs. Maximum Limits—How Much Insurance Is Enough?

Auto insurance - State minimum and maximum

By   1 month ago

Insurance is about balancing risks. It’s also about making the decision to pay a little now to keep from having to pay a lot later. The decision of how much auto coverage you need begins with a few questions: How much insurance are you required to have? How much insurance are you likely to need […]

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Car Insurance Timeline – What to Do and When

Car insurance timeline

By   1 month ago

Anytime is a good time to shop for car insurance. Seriously! But some times are better than others. It all depends on your expiration date, and on whether your policy is actually in danger of expiring. Auto insurance policies will generally auto-renew unless one of two things happen: The company cancels your policy. It might […]

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What Happens If I Let My Auto Insurance Lapse?

What if I let my auto insurance lapse?

By   1 month ago

One way or another, letting your auto insurance lapse will cost you. Exactly what it costs you is completely dependent on your situation … and often, your luck. Acceptable Reasons for Not Having Car Insurance Some people have no legitimate use for car insurance. It’s probably safe to say you don’t need auto insurance if … You […]

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Where You Live and Why It Affects Your Auto Insurance Rates

How location affects auto insurance rates

By   1 month ago

Most people understand the three major components of auto insurance: liability, collision and comprehensive coverage. Your liability coverage pays for bodily injury and property damage to others in an accident that you cause. Your collision coverage helps repair your vehicle after a crash, and comprehensive coverage does the same for damage not caused by hitting a […]

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How an Auto Accident Impacts Your Insurance Rate

Being in an auto accident can have a detrimental impact on your insurance rate

By   1 month ago

The whole point of auto insurance is that it helps pay for damages—to people, to vehicles, to stationary objects like fences and stop signs—if you’re involved in an accident. There are a lot of moving parts in auto insurance—how policies are priced, what is covered and what isn’t, and how claims impact the policy. Understanding […]

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Vehicle Use and Why It Affects Auto Insurance

vehicle-use

By   1 month ago

Insurance companies need to know how you use your car so they can calculate your level of risk and price your policy accordingly. When it comes to vehicle use, they’ll want to know three major things: Do you drive the car for personal or business purposes? If it’s a personal car, do you use it to […]

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Benefits View All →

A Practical Approach to Controlling the Cost of Health Care

Healthcare-cost-control

By   3 months ago

What can employers do to control the rising cost of health care within their own companies? What levers or tools exist to help employers keep expenses at a minimum while offering a quality benefits program in compliance with the Affordable Care Act (a.k.a. “Obamacare”)? Cost Management Approaches  In the past, employers have tried to shift […]

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Keeping Employees Engaged in Wellness Throughout the Year

Employee-Wellness-Programs

By   3 months ago

Tips and strategies to keep your employees actively engaged in a healthy lifestyle all year long.

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Gratitude – A Powerful Workplace Motivator

Thank-Employees

By   6 months ago

Appreciation is a powerful motivator, particularly in the workplace. Employees who feel appreciated by their employers are more likely to put forth their best effort at work.

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Investing in Employees Through Education Programs

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By   9 months ago

Many companies are finding that helping their employees get college degrees, obtain professional certifications, or simply close gaps in their skill sets can be beneficial to both the employee and the employer.

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Improve Your Benefit Plan Communications

Business People Meeting

By   9 months ago

By improving your benefit plan communication strategy, you can ensure employees understand what is available and ultimately increase smart utilization of benefits you are offering.

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Health Insurance Acronym Reference Guide

healthcare-acronym

By   11 months ago

Health insurance is a complex topic, but all of the acronyms and abbreviations make the subject even more difficult. Whether you’re trying to understand the latest developments in health care reform law or trying to make sense of your own health plan documents, you are likely to run into many of these acronyms. We know […]

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Health Care Costs: Sustainable?

Billing

By   1 year ago

Is health care and its costs a discussion that we will ever be tired of having? At times, we are tired of hearing about it. Yet we find ourselves wondering what will happen to make it sustainable.

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Financial Wellness For Employees

employee-financial-wellness

By   1 year ago

Employee productivity and the ability to function well on the job are significantly affected by stress and worry. This is the case even if the stress and worry are over non-job-related issues. Financial stress has been found to be particularly damaging to employee productivity.

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Just for Fun View All →

Top 10 Exercise Myths

fitness-running

By   3 weeks ago

Before you decide to hit it hard at the gym, consider some common misconceptions regarding exercise and weight loss. Here is a list of the “Top 10 Exercise Myths” to get you started.

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Creating Safer Passwords

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By   2 months ago

Are you doing what it takes to protect your online accounts? This infographic will help you see if your passwords are up to par.

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April Fools’ Day Pranks from Corporate America

april-fools

By   2 months ago

Many people love to play tricks on their friends and family members on April Fools’ Day. Lately, we’ve seen a lot of companies who have taken advantage of April 1st to have a little fun. In the spirit of April Fools’ Day, we present a few of our favorite corporate pranks. Groupon is known for […]

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Working Off Your Favorite Fast Food Meal

scale

By   2 months ago

It’s lunchtime, and you’re hungry. You forgot your humble sandwich and bag of carrots from home, which is a 20-minute drive away—especially during the lunch hour rush. You have one hour to get food, and it needs to be fast. So … where to? Before defaulting to the minute-saving drive-thru, you may want to consider […]

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Leavitt Group Marshmallow Peeps Survey – The Results

Peeps-Survey

By   2 months ago

This Easter, Leavitt Group polled its employees about their attitudes and activities centered around what may be the most polarizing candy in America: Marshmallow Peeps. Love ‘em or hate ‘em, these fluffy, sugar-covered confections are one of the best-selling Easter basket stuffers, with over 2 billion sold every year. You can take the survey yourself […]

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Easter Candy Trivia — Infographic

IG_EasterCandy-thumb

By   2 months ago

Before you get your fill of Easter candy, it’s time to get your fill of Easter candy trivia!

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Digital Easter Egg Hunt — A Baker’s Dozen

digital-easter-egg-hunt

By   2 months ago

Easter egg hunts are traditional fun for kids of all ages. Another type of “Easter egg” is a hidden feature in a software program, video game, movie, or DVD menu. Google’s search engine is famous for adding fun little tricks and features to make searching more fun. This Easter, we thought we’d point out a […]

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St. Patrick’s Day – Fact and Fiction

Happy-St-Patricks-Day

By   2 months ago

First, let’s dispel a few myths about St. Patrick’s Day: 1. St. Patrick Was Irish FALSE. The man who would eventually become known as St. Patrick was born in England around AD 390. At age 16 he was kidnapped and sold as a slave in Ireland. He escaped and returned to his homeland, where he […]

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