February 3, 2016

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SPDs and Wrap Documents
-Required, But Often Overlooked

Hopefully all employers who offer health plans are familiar with Summary Plan Descriptions (SPDs).  ERISA requires group health plans to have a written plan document and provide a SPD to plan participants.  And ERISA penalizes an employer for not complying. Those penalties can range from a lawsuit by a plan participant to a $110 per […]

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February 1, 2016

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Proposed Changes to the EEO-1 Report
-Report Will Now Collect Pay Data

Do you remember which monumental law President Barack Obama signed 7 years ago? If you said the Lilly Ledbetter Fair Pay Act, you are correct!   The President signed the Lilly Ledbetter Fair Pay Act on January 29, 2009 to help ensure fair pay for all Americans and help employers attract the strongest talent. On January […]

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January 14, 2016

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Don’t Wait to File
-The Impact of 1095-C Delay on Individuals' Tax Returns

The IRS recently announced a delay for the 1094/1095 reporting requirement.  The delay provides extra time for employers to complete the forms, but people are concerned about their individual tax filing. More specifically, how can they file their individual tax returns if they don’t have a 1095 for proof of medical insurance? Individual taxpayers must […]

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December 28, 2015

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6055 and 6056 Reporting Due Dates Extended
- Employers now have more time to complete the 1094-C and 1095-C

With the deadline for furnishing Forms 1095-B and 1095-C to individuals rapidly approaching, the IRS issued a surprise this afternoon (Notice 2016-4). The IRS notice officially extends the due dates for filing the 2015 forms and for providing those forms to the required individuals. Applicable large employers and health insurance issuers now have nearly two […]

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December 21, 2015

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75 Mile Telecommute
- Solving the Riddles of FMLA

I thought it would be fun to start this blog article off with a few riddles; it is the holiday season after all… Question: How many holiday cookies do you think you could eat on an empty stomach? Answer: Just one, after that it’s not empty anymore! Now that I have you all warmed up…I […]

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December 11, 2015

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1094/1095 Reporting
- Don't Wait Until the Last Minute!

Most people reading this have probably heard of the ACA reporting obligation for 2015, and the 1094 and 1095 forms used to fulfill it. If you haven’t taken the next step and mapped out a strategy for completing those forms, now is the time to act. A copy of the 1095-C form is due to […]

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December 10, 2015

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On-Site Clinics

Just as the emergence of public and private exchanges has changed the landscape of how and where Americans purchase health insurance, so has the emergence of increased accessibility to ambulatory care, particularly in the form of employer-sponsored on-site and near-site clinics.  For years insurance carriers and employers have taken steps to guide plan participants to […]

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December 8, 2015

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Processed Meats a Cause of Cancer

The American Institute of Cancer Research (AICR) recommends that Americans limit their intake of red meats (such as beef, pork and lamb) to no more than 18 ounces per week and avoid processed meats such as bacon, ham, salami, hot dogs and sausages. This recommendation is in response to convincing evidence which found that processed […]

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December 7, 2015

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Pet Insurance

How much money would you spend to keep your pet alive? A trip to the veterinarian’s office can cost hundreds or even thousands of dollars. Even a routine examination can cost hundreds of dollars. What would happen if your pet had an accident, an illness, or a need for medicine? Perhaps pet insurance is the […]

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November 24, 2015

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Family and Medical Leave Act Webinar
- J.W. Terrill's HR Consultants Break Down the FMLA

If you were unable to attend the webinar covering the Family and Medical Leave Act (FMLA) we held on November 18, 2015, you can view it at your convenience via the following link: FMLA Webinar. You can also access a pdf version of the slides here.

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November 19, 2015

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Voluntary Accident Insurance

It wasn’t all that long ago when employer-sponsored medical plans provided first-dollar coverage for almost everything—and if not first-dollar, then employees had to meet a small deductible, maybe $250 or $500, before their coverage kicked in.  As everyone knows, those days are over. As we discussed a few weeks ago in our Voluntary Benefits post, […]

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