Business & Professions Insights
FEMA Disaster Assistance Following Hurricane Irma
Identity Theft: Has Your Personal Information Been Exposed?
Tips for Managing Workplace Fatigue; 5 Ways to Eat Healthier at Work
Senate Rejects ACA Repeal Efforts
Updated Form I-9 Required Beginning Sept. 18; Harder Than Ever to Fill Jobs in U.S
Natural Catastrophe & Disaster Fraud
How to Retain Millennials
New Form I-9 Effective September 2017
Update: OSHA Final Ruling on Electronic Reporting
Cyber Tips for Traveling; How to Avoid Distractions While Driving
HIPAA Cyber Attack Response Checklist; New Fiduciary Rules
The Importance of Becoming a Better Listener; What does “Competitive Pay” Really Mean?
Medical Malpractice Awards Uncapped in Florida
Managing Work-related Stress; Biking to Work Sets You Up for a Stress-free day
ACA Employer Mandate; House Passes Changes to DOL Overtime Rule
House Passes Changes to Overtime Rules; Keeping Employee Handbooks Up to Date
Navigating Healthcare Reform: Senate Releases Draft ACA Replacement Bill
OSHA Signals Intention to Delay eElectronicReporting
Avoiding Workplace Concussions; Prevent Heat Sickness When Working Outdoors
AHCA Passes House; Pre-existing Conditions under the ACA
Only One-third of Employees are Engaged at Work; Present a PR Crisis from Turning into a PR Disaster
Update: OSHA Final Rule on Electronic Reporting
On May 4, 2017, members of the U.S. House of Representatives voted to pass the American Health Care Act (AHCA), the proposed legislation to repeal and replace the Affordable Care Act (ACA).
Prevent Text Neck; Protect Your Eyes From the Summer Sun
ACA Replacement Bill Withdrawn, Now What; Cost-saving Strategy: Generic Drugs
EEOC to Maintain its Bipartisan Enforcement Plan; Trump’s Secretary of Labor Nominee Questioned on Overtime Rule; Employer Awareness
5 Ways to Prevent Digital Overload; 6 Simple First-aid Tips That Could Save a Co-worker’s Life
House Republicans Release Legislation to Repeal and Replace the ACA; American Health Care Act: What Won’t Change
Retirement Uncertainty and Where to Turn; Saving With Health Care Literacy
Nationally Ranked Healthiest Employer: a rapidly growing privately-held risk management and insurance brokerage firm with a multi-generational workforce started its wellness program in 2010. The firm started with activity challenges, an in-house newsletter and free gym memberships.
Staying Safe When Working Alone; Soft Skills and Conflict Resolution
ACA and Employer Health Plans Under President Trump; Block Grants: What do you need to know?
Company Culture Might Be More Important Than You Think; DOL Overtime Rule: Update
Winter Worker Safety Tips; Benefits of a Smoke-free Workplace
New Stand-alone Option Available for Eligible Small Employers; 2018 Final Notice of Benefit and Payment Parameters Released
Stay Protected from Phone Tax Scams – 5 Red Flags to Avoid; Employee Leave-sharDonation Programs
Sedentary Working is a Top Health Risk; The Importance of a Good Night’s Sleep
Overtime Rule Delayed Until Further Notice; ACA Reporting Deadline Delayed
DOL Overtime Rule Blocked; Handling Election Tension in the Office
2017 National Health Observances Calendar
Amendment 2, which approves the expansion of medical marijuana, raises concerns for employers, including some of the following questions: how will it impact disability discrimination claims and the Americans with Disabilities Act, wrongful termination claims, and unemployment insurance benefits? Read our latest News You Can Use to learn more.
Staying Active at Work; Seasonal Affective Disorder
IRS Retires Retirement Updates; Workplace Reports of Illness and Injury Continue to Decline
2017 Marketplace Plan Premiums Rise 25%; 2016 Election and Compliance Issues
The Office of Insurance Regulation (OIR) filed an appeal yesterday (November 29th) and was successful in obtaining a stay on the ruling, meaning the workers’ compensation rate increase will go into effect this week. As a reminder, this increase is only for new and renewal policies effective December 1st and later and will not be pro rata.
On November 23rd, a Circuit Court judge blocked the 14.5% increase in workers’ compensation rates, which were to go into effect on December 1st. The court ruled that the passing of the workers’ compensation rate increases did not comply with Florida’s Sunshine Laws.
On November 8, 2016, Republican candidate Donald Trump was elected the 45th President of the United States. Trump’s victory in the election, along with Republican majorities retained in both the Senate and House of Representatives, will likely have a significant impact on a number of compliance areas over the next four years.
Which type of Insurance Agent is right for you? Read more about how to make the best decision regarding your personal insurance needs, and the the 11 reasons you should partner with an experienced independent insurance agent.
Choosing Medications Wisely; 2016 Flu Vaccine Information
Managing Your Workplace Stress; Avod These Four Common Workplace Injuries
Workers’ Compensation Leave? Consider FMLA; Dec. 1 is Near: Understanding What’s Changing
Compliance Date Approaching for Employer-sponsored Wellness Programs; 2016 KFF Employer Health Benefits Survey Published
The U.S Department of Labor’s Health Plan Audit requires certain employers to produce documentation that will show they are compliant with ERISA. The DOL’s recent letter lists the documents that are due within 30 days of receiving the letter.
Workers’ Compensation Insurance: many employers recognize that they are required to purchase this insurance coverage but don’t understand what this policy provides and what important aspects to be aware of in order to take a proactive stance on cost control.
NCCI Accepts 14.5% Workers’ Comp Rate Increase
Five Ways to Avoid Spreading Illness; The Dangers of Prolonged Standing
Overtime and the FMLA Leave Entitlement; IRS ACA Penalty Assessments are Forthcoming
Get Ready for ACA Reporting Deadlines; Marketplaces to Offer “Simple Choice Plans” for 2017
Health and wellness tips for your work, home and life: Chronic Conditions and Health Care Costs
New Overtime Rule Goes Into Effect Decc 1; DOL Increases Penalties for Health Plan Violations; Major Changes Proposed to Form 5500; How the 2016 election Could Affect Health Care
Florida Regulators Endorse 14.5% Workers’ Comp Rate Increase
The oldest members of Generation Z recently turned 20 and are beginning to enter the workforce. Examine the typical characteristics of Generation Z and how they are expected to change the workforce
Keeping Mobile Devices Safe From Hacking; Electrical Safety in the Workplace
Educate Employees on the Value of HSAs; English-only Policies in the Workplace
Significant Changes Proposed to Form 5500; DOL’s New Fiduciary Rule Impacts HSAs
Consider these “Rules for the Road” for your long-term benefit planning.
Since its debut on July 6, 2016, Pokémon Go has skyrocketed in popularity. Read this month;s HR Insights to learn how to respond to Pokémon Go in the workplace.
Shopping for benefits online – What is a Private Health Exchange, and how can it impact businesses and their employees?
Recognizing Workplace Harassment; Sun Protection Strategies
Employee Leave: Clarifying STD, FMLA, and ADA; The FMLA and Absence Notification:Is Your Policy Being Followed?
U.K. Votes to Leave the European Union; New Task Force on Mental Health and Substance Use Disorders
Taking proactive measures to avoid a data breach, such as having an identified incident response team in advance, can lower the direct and indirect cost impact of a data breach if one occurs. Read our Cyber Risk & Liability newsletter to learn tips on how to reduce your risk.
OSHA Increases Maximum Penalty Amounts
DOL Increases Penalties for Health Plan Violations
NCCI Recommends 19.6% Increase in Workers Compensation Rates in Florida, Effective 10/1/16
NCCI Recommends 19.6% Increase in Workers Compensation Rates in Florida, Effective 10/1/16
EEOC Finalizes Wellness Rules Under ADA and Gina
The Importance of Reporting Near Missies; Lightning Safety Tips for Outdoor Workers.
EEOC Issues Welcome Guidance on Leave as a Reasonable Accomodation; The Final White Collar Exemption Rule is Here: Now What?
DOL Issues New Overtime Payment Rules; EEOC Finalzies Wellness Rules Under ADA and GINA.
DOL Issues New Overtime Payment Rules; EEOC Finalzies Wellness Rules Under ADA and GINA; HHS Launches Phase 2 of HIPAA Audit Program; ACA’s Affordability Contribution Percentage Increased for 2017
OSHA Final Rule on Electronic Reporting
Cost of Workers’ Compensation Claims Going Up… Again
Proposed Workers’ Compensation Rate Increase
Tips for Implementing Progressive Discipline; Final Rule on the DOL’s Proposed Changes to FLSA Overtime Exemptions.
Supreme Court Hears Contraceptive Coverage Case; Phase 2 of HIPAA Audit Program.
On May 18, 2016, the U.S. Department of Labor (DOL) announced a final rule regarding overtime wage payment qualifications for the “white collar exemptions” under the Fair Labor Standards Act (FLSA).
DOL Makes Changes to Overtime Payment Rule; Options for Employers; Calculating Overtime Pay; How to Act Now and Avoid Penalties.
Wage and hour claims continued to rise in 2015, and 2016 has potential to be a record setting year for lawsuits.
Supreme Court Ruling on Attorney Fees in Worker’s Compensation
Workplace Eye Protection; The Effects of Substance Abuse
Employers Guide to Navigating the FMLA: Covered Employers, Qualifying Reasons for Leave, Certification Process, etc.
Because a robust employee benefits offering helps the recruitment and retention of top talent, it’s important that benefits be communicated effectively to all employees.
Proposed Changes to FLSA White Collar Exemption Rules
Understanding Employee Benefits Liability
2015 Health Plan Design Benchmark Summary – The Zywave Health Plan Design Benchmark Report is based on data gathered from the largest database in the country, consisting of tens of thousands of employer-offered health plans
Secure Parking Facilities
Workplace First Aid Basics; Workplace Burnout and How to Address It
ACA Litigation May Affect Employers; ACA Rule Changes for 2017
EEOC Proposes Revised Guidelines on Retaliation; IRS: Payroll and HR Targets of New Phishing Scheme
IRS Expands Tax Relief for Identity Protection; 2015 Annual Employer Health Survey; Federal Budget Provides Transit Parity; FLSA Overtime Rule Change
Discover the benefits of premium financed life insurance for your clients
Discover the benefits of premium financed life insurance
Dealing With Dissatisfied Customers; Working With Display Screen Equipment
Recent Court Rulings Raise Questions About FMLA; IRS Clarifies ACA Rules for Employer-provided Coverage
Nine Tips for Staying Focused on the Road
ACA Reporting Deadlines Delayed; HHS Proposes Increased Out-of-pocket Maximums.
Form I-9 Self-audit Guidance; Educate Employees on 401(k) Loans.
Understanding your W-2 Form.
ACA Repeal Passes Senate, Veto Expected; Government Investigating Rising Drug Costs.
ACA Reporting Requirements – A Basic Overview; End of Year Employee Communications.
First Aid Tips for Hypothermia; How to Address Workplace Odors.
2014 Work-related Injury and Illness Statistics
New Spending Bill Delays Cadillac Tax; Final ACA Market Reform Rules Released; IRS Releases Tax Guidance on Same-sex Marriage Issues; ACA Automatic Enrollment Requirement Repealed
The Bipartisan Budget Act of 2015 will allow OSHA to increase penalties on employers.
6 Tips for Winter Driving, Maintaining Your Health this Winter.
Health care costs climb less than projected, Initiatives to reduce benefit cost.
Controversial Cyber Security Bill Passes Senate.
Preventing Workplace Violence.
Five Tips for Avoiding Sleep Deprivation.
Employers prepare for Cadillac Tax, PACE Act gives small businesses new options regarding Affordable Care Act.
Preparing for Open Enrollment, Section 6055 & 6056 reporting recap and the DOL proposed expansion of overtime protections.
Asthma in the Workplace.
Guidelines Finalized for Electronic Reporting Under Section 6055 and 6056.
Employee Classifications of 1099s.
Cyber Security Named Biggest Risk in New Survey.
Humor in the Workplace.
7 tips for a more comfortable workstation.
Final rule on religious exemptions to contraceptive coverage.
DOL clarifies worker classification.
Protect yourself from workplace concussions.
U.S. Supreme Court Upholds ACA Subsidies in Federal Exchanges & Final Regulations on Summary of Benefits and Coverage (SBCs).
DOL Issues Proposed Rule to Expand Overtime Protections.
ACA in the News
On March 6, 2017, Republican leadership in the U.S. House of Representatives issued two bills to repeal and replace the Affordable Care Act (ACA) through the budget reconciliation process. These bills are collectively known as the American Health Care Act. If enacted, the new law would not repeal the ACA entirely, although it would make significant changes to key provisions. The ACA’s employer and individual mandates would be repealed retroactively beginning in 2016. Key consumer protections, like the ACA’s prohibition on pre-existing condition exclusions and dependent coverage to age 26, would remain intact.
On January 13, 2017, the U.S. House of Representatives passed a budget resolution for fiscal year 2017 to begin the process of repealing the Affordable Care Act (ACA). At this time, Republicans have not agreed on a plan to either repeal or replace the ACA. However, a full repeal of the ACA cannot be accomplished through the budget reconciliation process. A full repeal of the ACA must be introduced as a separate bill that would require 60 votes in the Senate to pass.
Beginning in spring 2016, employers started receiving notices from the Exchange if any of their employees were deemed eligible for health insurance subsidies through an Exchange. Employers that receive these notices will have 90 days to file an appeal if they feel the eligibility determination was made in error. Find information on how to handle your organization’s appeal here.
Beginning in spring 2016, employers may receive notices from the Exchange if any of their employees have been deemed eligible for health insurance subsidies through an Exchange. Employers that receive these notices will have 90 days to file an appeal if they feel the eligibility determination was made in error.
2017 Benefit and Payment Parameters: Annual Limits on Cost Sharing; Large Employer and Small Employer Definitions; Marketplace Open Enrollment Period for 2017 and Later Years; Medical Loss Ratio Rules .
The ACA created new reporting requirements to Internal Revenue Code Section 6056. Under these rules, applicable large employers must provide information to the IRS about the health coverage provided to their full-time employees.
PACE Act repeals Healthcare Reform requirements on small group markets to be expanded to businesses with up to 100 employees.
Under the ACA, employers with over 50 full-time employees are subject to new reporting requirements effective in early 2016. In September, the IRS released final 2015 versions of Forms 1094-C and 1095-C, along with related instructions on how to properly meet reporting requirements.
The ACA requires non-grandfathered health plans to include an annual limit on total enrollee cost sharing for essential health benefits (EHB). This annual limit is often referred to as an “out-of-pocket maximum” or “maximum out-of-pocket” (MOOP). New group health plans must embed an individual out-of-pocket maximum in the plan’s family coverage when the family out-of-pocket maximum exceeds the ACA’s out-of-pocket maximum for self-only coverage.
The ACA requires health insurance Exchanges to send a notice to employers regarding employees who purchase coverage through an Exchange and qualify for a health insurance subsidy. These notices are also called “Section 1411 Certifications” and are part of the process established by the Department of Health and Human Services (HHS) for verifying that only eligible individuals receive health insurance subsidies. Learn more about your responsibilities as an employer in this month’s ACA in the News.
The Affordable Care Act (ACA) imposes a penalty on large employers that do not offer minimum essential coverage to “substantially all” full time employees and dependents by the 90th day of employment. Large employers that do offer coverage may still be liable for a penalty if the coverage is unaffordable or does not provide minimum value.
Because the individual mandate was applicable in the 2014 tax year, this is the first year individuals will have to disclose their medical status on their 2014 tax filing. Read this ACA in the news for an overview of the individual mandate and the new 2014 tax requirement.
Under these new reporting rules, certain employers must provide information to the IRS about the health plan coverage they offer (or do not offer) to their employees. This ACA in the News includes an overview of the two IRS codes.