All Categories

Large Employer Update

The Treasury Department has confirmed that the 2014 mandate for employers with 50 or more full-time workers has been delayed until 2015. This means that employers will not be subject to Federal penalties for not providing qualified health insurance in 2014. The Affordable Care Act requires that all employers with 50 or more full-time workers provide health insurance

Identity Theft

I reviewed my credit card statement recently and was surprised to find that I had paid a utility bill in California and purchased a widescreen TV in Colorado. Since I live in New York, I was pretty certain it was not a matter of my poor memory. More recently, bus ticket purchases from Mexico were denied by my credit card company. I don’t know how these thieves were able to get my credit card number, but I do know this is part of the risk of living in an increasingly electronic-dependent society. According to the U.S. Department of Justice, in 2010, 7% of households

Helping with Open Enrollment

It’s Open Enrollment time again for many companies. Those covered by Small Group plans, are fearful of what this year’s rate changes will bring. Premiums have risen sharply for the past several years. To manage the expense to the organization, increased co-pays and high deductible plans have typically been passed on to your employees. Federal Regulations Bring Change and Clarity
Due to The Patient Protection and Affordable Care Act (PPACA, commonly known as “Obama Care”), employers will see changes not only in price and coverage, but in how these changes are portrayed.

Shop Securely this Holiday Season

With the increased propensity for people to shop and bank on-line, clever criminals are constantly finding ways to harvest some of this personal information for their own devious purposes. As much as it may be nice to think so, this type of criminal activity is not solely limited to on-line shoppers, but is also a threat at the ATM, gas station and grocery store. In spite of this growing trend, there are a number of things that a family or organization can do to minimize

The Need for Healthcare Policies

Our national health care system has been through some tumultuous changes over the past few years, but this year, we have seen some of the impact - and we have been surprised a few times. Earlier this year, we received a call from a few organizations who had fewer than 50 participants in their health care plan. They had just received a letter of non-renewal from their long-standing (very large) health insurance provider. In fact, that insurer had decided to drop all health insurance policies with fewer than 50 participants.

2012 Best Practices

To retain our Best Practices Agency status we must submit our year-end results for review each year. Every third year, when new agency nominations are accepted, we must re-qualify as one of the top performers in our revenue category in order to retain our spot. A new study cycle starts in 2013 and we will be competing against new agency participants. Participation in the Best Practices Study has become a prestigious recognition

Mandated Contraceptive Coverage

The Patient Protection and Affordable Care Act (also known as Obamacare), mandates that all health insurance plans are now required to cover all FDA Approved and prescribed contraceptive services for women. There are two possible exceptions outlined below. A. Religious Employer Exemption (REE) for certain religious employers if they meet the following requirements: 1. Has the inculcation of religious values as its purpose,