Health Care Reform View All →

Individual Out-of-Pocket Maximums must Apply for Family Coverage in 2016

family-wellness

By   2 days ago

Starting with the 2016 plan yea­r the self-only, in-network annual out-of-pocket maximum (OOPM) applies to each individual, even those enrolled in family coverage.  Although the ACA limits on cost-sharing have applied since 2014, before 2016 the maximums applied separately for self-only and “other-than-self-only” (family) coverage.  Recent guidance (since February 2015) from the Departments of HHS, […]

Read More →

2016: “Small” group increases to 100 Employees; and Embedded Individual OOPM Applies to All Size Plans

expanded-100-employees2

By   3 days ago

As employers start preparing for 2016 renewals, here are two important changes to keep in mind: “Small” group definition increases to 100 employees, and Embedded individual out-of-pocket maximum (OOPM) applies for all size plans “Small” Group Definition Starting with the 2016 plan year, “small” group increases to 100 employees.  Under the ACA, the definition is […]

Read More →

Supreme Court Rules Same-Sex Marriage is Legal Nationwide

same-sex-marriage

By   5 days ago

The Supreme Court ruled 5-4 that gay marriage is legal nationwide. The U.S. Constitution guarantees same-sex couples the right to marry. The case is Obergefell v Hodges issued June 26, 2015.

Read More →

Supreme Court Rules in Favor of ACA on Subsidies

supreme-court-building

By   6 days ago

The US Supreme Court ruled (6-3) today that federal tax subsidies under the Affordable Care Act are available to people who purchase individual health policies in both federal and state exchanges.   The majority opinion said “Congress passed the Affordable Care Act to improve health insurance markets, not to destroy them.  If at all possible, we must interpret the […]

Read More →

SBC Final Rule—June 2015

health and human services

By   1 week ago

On June 16, 2015, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) published final regulations on the summary of benefits and coverage (SBC) and uniform glossary requirement under the Affordable Care Act (ACA). These regulations generally finalize the December 2014 proposed regulations, with the following minor changes, explained below […]

Read More →

Wellness Plans: Update on Recent Guidance from EEOC, DOL, HHS, and Treasury

US Capitol Building

By   1 week ago

Two sets of guidance issued in April of this year could require changes to some employers’ wellness plans. This article summarizes the recent guidance and the proposed changes, and suggests areas where employers may wish to be cautious in their wellness plan design.

Read More →

Seasonal Employees: Who are they and why does it matter?

seasonal-employees

By   1 week ago

The determination of which employees are “seasonal employees” has taken on new importance for “applicable large employers” (ALEs) because the Affordable Care Act (ACA) measurement method rules allow employers to treat full-time seasonal employees differently from full-time non-seasonal employees, for purposes of group health plan eligibility. Misclassifying employees as seasonal employees may result in penalties for an ALE. This article explains it all.

Read More →

IRS Releases 2015 Draft Forms 1094 and 1095 for Information Reporting

1095-B

By   1 week ago

On June 16, 2015, the IRS released draft versions of 2015 forms 1094 and 1095. These 2015 draft forms are largely unchanged from the 2014 versions, except for a few minor changes noted below.

Read More →

Publications View All →

Spring Flings: Are You Protected?

facepainting_web

By   2 days ago

There’s a list a mile long of things that could go wrong at any given event, all of which you want to be prepared to handle if they happen at yours.

Read More →

Digitizing Your Important Personal Documents

Scanning important personal documents

By   4 weeks ago

Emergency preparedness experts emphasize the importance of digitizing your important personal documents to help you rebuild your life if the worst occurs. This article contains some valuable advice to help you with your personal disaster recovery plan.

Read More →

Health Care Costs: Sustainable?

Billing

By   1 month 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.

Read More →

Home Replacement Cost

Home-Replacement-Cost

By   2 months ago

“Why is my homeowners dwelling coverage so much higher than what I could sell or even build a new home for.”

Read More →

The Case for Cyber Liability Insurance

18629583_xxl

By   3 months ago

Cyber liability insurance (more accurately called information security and privacy liability insurance) is rated based on the amount of information at risk – number and size of records, nature of records, type of business or service provided, and revenue.

Read More →

Evolution of the Affordable Care Act

capitol_web

By   4 months ago

The Affordable Care Act, also known as Obamacare, will likely undergo a few changes in the coming year or two. The shape of the law as it evolves is starting to come into focus with Congress now under Republican control. Though some change can be expected, so far it looks like the bulk of the […]

Read More →

Heat Illness Changes Approved by Cal-OSHA Standards Board

Sun_Workers_Shade

By   4 months ago

Over the objections of employer groups and applause from labor representatives, the Cal-OSHA Standards Board approved major revisions to the state’s heat illness prevention standard. Executive Officer Marley Hart said the board would request an early effective date for the revisions from the Office of Administrative Law – April 1 instead of July 1. That […]

Read More →

Happier Workers, Healthier Workplaces

Happier Workers, Healthier Workplaces

By   4 months ago

Vacation time is critical to the health and well-being of workers. Studies show that vacations and other leisure time create happier workers and decreased depression, promote lower blood pressure and healthy body weights. Taking regular vacations helps boost creativity and recharge the desire to be productive. In spite of this, over 30 percent of Americans don’t use their vacation days each year.

Read More →

Press Releases View All →

Mike Vowles to Lead Independent Agent Association in Utah

Mike_Vowles

By   21 hours ago

Leavitt Group of Spanish Fork’s managing principal, Mike Vowles, was recently sworn in as the new president of the Utah Association of Independent Insurance Agents (UAIIA) during their annual convention.

Read More →

2015 Annual LGAA Conference Award Winners

Westin

By   5 days ago

The 37th Annual LGAA Managers Conference was held this year in Scottsdale, Arizona.

Read More →

McDonald-Leavitt Insurance Agency Welcomes Jean Stevens

Jean_Stevens

By   6 days ago

McDonald-Leavitt Insurance Agency is pleased to announce that Jean Stevens has joined their agency as an agent licensed in commercial insurance and employee benefits.

Read More →

Leavitt Insurance Agency Welcomes New Benefits Agent

Preston_Guthrie

By   2 weeks ago

Leavitt Insurance Agency is pleased to announce that Preston Guthrie has joined their St. George office focusing on employee benefits and life insurance. Preston has a strong background in sales and life insurance.

Read More →

Jason Ferree Joins Leavitt Group in Montana

jason-ferree

By   3 weeks ago

Leavitt Group is pleased to announce that Jason Ferree has joined their Missoula agency. He earned his consulting license and specializes in designing custom benefit programs for employers.

Read More →

Leavitt Group of Boise Welcomes Briana Giordano

Briana_Giordano

By   3 weeks ago

Leavitt Group of Boise is pleased to announce Briana Giordano has joined their agency as a new operations specialist.

Read More →

Archibald Insurance Center Helps Four Paws Pet Adoptions Win Nationwide Contest

paws_web

By   1 month ago

Archibald Insurance Center, a Leavitt Group affiliate, recently helped Four Paws Pet Adoptions win second place in the Safeco Insurance “Make More Happen” spring contest.

Read More →

CIA Leavitt Sponsors PALS Field Trip

PALS_Rockies-Game-2015

By   2 months ago

CIA Leavitt Insurance Agency recently sponsored a field trip for the PALS Children’s Program of La Puente. The children enjoyed a trip to Denver to see a Colorado Rockies baseball game.

Read More →

Newsletters View All →

Fire Risk: Are you taking the right steps to protect your business?

fire-alarm_business

By   24 hours ago

Each year thousands of nonresidential fires occur, leaving employees injured, businesses interrupted, and billions of dollars in property damage.

Read More →

Financial Wellness For Employees

employee-financial-wellness

By   1 month 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.

Read More →

Kicking Off a Safe Start to Summer

Safe-Summer

By   2 months ago

With the summer season right around the corner, there are a lot of fun activities and projects to look forward to. From yardwork, to backyard barbecues, to a few trips to the lake, a little preparation can go a long way in preventing accident and injury. We’ve put together a few tips to help keep […]

Read More →

Preventing Slips, Trips, and Falls in the Workplace

Slips and Falls

By   3 months ago

Slips, trips, and falls in the workplace are a serious matter, yet most can actually be prevented. The results of these incidents can range from minor injuries requiring no medical attention to significant disability and even death.

Read More →

Supporting Employees in Achieving Work-Life Balance

employees-2

By   4 months ago

According to the American Psychological Association, workers regularly report work-life balance as the main reason they will stay in a job. As an employer, there are a variety of programs and benefits you can make available to support employees in achieving a healthy work-life balance. Flexible Hours Allowing employees to work flexible schedules is a […]

Read More →

After an Automobile Accident

car-accident_3

By   5 months ago

Knowing what to do in a car accident can help reduce injuries, save lives, and ultimately simplify the claims process.

Read More →

What You Need to Know About Directors and Officers Insurance

3521403_xxl_web

By   6 months ago

On average, there are 1,285 claims made per year against directors and officers. It is not uncommon for this type of claim to end up costing millions of dollars.  The average overall cost of D&O claims in 2013 was over $51 million. These claims are not limited to large, publicly-owned organizations. Businesses and organizations of […]

Read More →

Enhance Your Group Benefits Plan with Long-Term Care Insurance

group benefits

By   7 months ago

Long-term care (LTC) insurance is an option employers can include with their group health plan to provide additional benefits for their employees, which helps both employers and their workforce. What Does LTC Insurance Cover? Long-term care (LTC) insurance is different from traditional health insurance in that it covers long-term services and support.  This coverage provides […]

Read More →