Group Benefits & HR

What is Open Enrollment for Health Insurance?

Multiple health insurance sources have open enrollment periods, such as Medicare, job-based insurers, and individual market health insurance companies. Open enrollment for Medicare is October 15 through December 7 each year. However, job-based open enrollment periods will vary according to how the employer sets them. The individual market has set the 2018 open enrollment period, as well as future timeframes, [...]

By |2019-03-22T14:19:57+00:00November 13th, 2018|Categories: Group Benefits & HR, Personal Insurance|

Employee Benefits & HR: Increased Profitability Long Term

Many companies, historically, have viewed Employee Benefits and Healthcare as necessary commodities in attracting and retaining top talent. As costs rose with an aging demographic, the cost of care, litigation, health reform, and a host of other factors, employers absorbed cost increases while also passing them off to employees in the form of increased out of pocket exposures and voluntary [...]

By |2019-03-22T14:20:08+00:00February 24th, 2016|Categories: Blog, Business Insurance, Group Benefits & HR|

Technology-Backed HR

We've been noticing a troubling HR and Benefits trend - payroll and software companies entering the health insurance market and offering HR systems at little or no cost. Companies sign over their benefits and, in the case of PEO’s, their employees over to them, enticed by the ease of the technology and promise of peace of mind. These technology-based brokers [...]

By |2015-04-24T13:56:54+00:00April 24th, 2015|Categories: Blog, Business Insurance, Group Benefits & HR|

D, G Alternative Funding Solutions: You DO have a Choice

With employers looking for ways to contain costs, maintain benefits, and decrease the burden of regulations, all while helping improve employee health, the self-insurance market has opened up to the mid-sized market with plan options that give employers control without having to assume all the risk. One such option is the level funding plan. Employers use a TPA to access [...]

By |2019-03-22T14:20:14+00:00November 17th, 2014|Categories: Blog, Group Benefits & HR|

IRS, HHS and DOL Weigh In

On November 6th, the IRS, DOL and HHS issued a joint FAQ clarifying that all payment arrangements by employers for individual health insurance premiums violate ACA regulations.   Agencies Prohibit All Employer Reimbursement of Individual Premiums In the recent bulletin, the Departments issued FAQ guidance clarifying that all employer arrangements that reimburse employees for individual insurance premiums do not comply with [...]

By |2019-03-22T14:20:15+00:00November 10th, 2014|Categories: Blog, Group Benefits & HR|

Nannies, Au Pairs, and Insurance

When hiring a nanny or au pair, you cannot overlook the potential risk this individual may bring to your family.  We hope you will hire correctly, perform background checks and make sure that individual is a fit for your family. But have you contacted your risk advisor to go over the insurance implications when you do hire a nanny or [...]

By |2019-03-22T14:20:16+00:00September 10th, 2014|Categories: Blog, Group Benefits & HR, Personal Insurance, Risk Managment|Tags: , , , |

Workers’ Compensation and HIPAA

Q: Should we get a HIPAA release from the employee to review the medical information for a work-related injury? A: HIPAA authorization is not required for Workers’ Comp information used to determine benefits to an injured worker. According to the Department of Health & Human Services, the HIPAA Privacy Rule does not apply to entities that are workers’ compensation insurers, [...]

By |2019-03-22T14:20:17+00:00September 4th, 2014|Categories: Blog, Business Insurance, Group Benefits & HR|Tags: , |

Immigration Audits: More Frequent, with Larger Penalties

I-9 Audits on the Rise In 1986, Congress passed the Immigration Reform and Control Act which established a process of employee verification including the Form I-9. Last year, the form was revised for the first time and since then, immigration law experts report a sharp increase in audits and fines. Immigration and Customs Enforcement audited 250 companies in 2007; 2013 [...]

By |2019-03-22T14:20:18+00:00June 19th, 2014|Categories: Blog, Business Insurance, Group Benefits & HR|

DGHR – Tips from HRThatWorks

  If you have perused you may have seen information on human resources. Often we find small to mid-sized businesses lack topnotch human resources. Those firms may or may not have an HR department and often those firms could use some help with forms and other procedures so they don't have to "re-invent the wheel".  Because of this need [...]

By |2019-03-22T14:20:24+00:00August 26th, 2013|Categories: Group Benefits & HR|Tags: , |

Summer Interns and Compliance

Summer interns can pose problems for employers for a number of reasons - recently internally at Deland, Gibson we have debated how to properly insure interns as unpaid interns are NOT covered by workers compensation. There are many factors that can change this - such as college credit - but it is important to analyze this with your risk advisor [...]

By |2019-03-22T14:20:26+00:00June 29th, 2013|Categories: Group Benefits & HR|Tags: , |