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Health Care Enrollment - Get The Facts

By now, most of us are familiar with Obamacare and the changes it has made in our country's health care laws. One of the most far-reaching changes was the Individual Mandate that requires most Americans to have health...

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Save Money with a Dependent Audit

Although employers have no obligation to subsidize dependent coverage, many do. By dropping coverage for ineligible dependents, your firm saves that premium contribution. Even if you don't subsidize dependent coverage,...

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FSAs or HSAs: Which One When?

Health savings accounts (HSAs) and flexible spending accounts (FSAs) let employees or dependents set aside money, before taxes, for qualified healthcare expenses. Employers can use them to incentivize employees to...

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The Next Trend: Consumer-Driven Dental?

No doubt you've heard the buzz about consumer-driven health plans (CDHPs), which seek to control employers' healthcare costs by giving consumers "skin in the game." With the cost of providing dental benefits increasing,...

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Do Your Benefits Communications Make the Grade?

If your employees are typical, fewer than 20 percent know how much you contribute each month toward their health insurance premiums. How can employees value their benefits if they don't know what they cost?...

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Pregnancy and Maternity: Avoid Costly Discrimination Claims

Women comprised 46.8 percent of the total U.S. labor force in 2010, according to the U.S. Department of Labor. Many of these working women will become pregnant at least once during their careers. Improper handling of...

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COBRA Benefits: What You Need to Know

COBRA, the Consolidated Omnibus Budget Reconciliation Act of 1985, allows workers and family members who would otherwise lose their benefits to temporarily continue health coverage at group rates. If you had 20 or more...

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Wellness Programs: Why, What, Who and How

As healthcare costs continue to rise faster than inflation, wellness programs have gotten a lot of attention lately. What exactly is a wellness program, and how do you start one? Why wellness? First off, lifestyle...

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It’s Time to Battle Obesity in the Workplace

People who are obese are 42% more like to require medical care than normal weight people as found by the U.S. Centers for Disease Control. And the problem is getting worse: Two-thirds of adults are now either overweight...

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