by United Benefit Advisors | Jul 28, 2014 | HR Elements
How many times have you asked an employee about his or her stress level only to get the response that they are too busy to be stressed? Whether overworked, overstressed, or a combination of the two, employees keep putting off taking a day off to relax and...
by United Benefit Advisors | Jul 24, 2014 | PPACA Advisor
On July 22, 2014, two Courts of Appeals issued decisions that address whether only people who live in states that have state-run Marketplaces (which are also called exchanges) are eligible to receive premium tax credits or subsidies under the Patient Protection and...
by United Benefit Advisors | Jul 24, 2014 | HR Elements
There’s no denying it. The vast majority of workers won’t be ready financially for retirement. Seventy percent are behind schedule in saving for retirement and half of all Americans have less than $10,000 in savings. Of immediate importance is the fact...
by United Benefit Advisors | Jul 22, 2014 | PPACA Advisor
As was the case last year, insurers with medical loss ratios (MLRs) that were below the prescribed levels on their blocks of business must issue rebates to policyholders. Insurers must pay rebates owed on calendar year 2013 experience by August 1, 2014. The rules for...
by United Benefit Advisors | Jul 17, 2014 | Employer Webinar Series
The Patient Protection and Affordable Care Act (PPACA) continues to phase in. Many plan design requirements took effect in 2014 for both large and small plans. This next year will bring employer-shared responsibility ("play or pay") requirements for larger...
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