Suppose a business wants to offer group insurance to its employees, but is afraid they can’t get enough employees to participate in the plan to meet the insurance company participation requirements. (Typically the insurer will require around 65-70% of those… Continue Reading
Most Americans would be caught completely unprepared if they or a loved one were faced with a medical crisis that required long-term care. In fact, one out of five Americans over the age of 50 is at risk of needing… Continue Reading
Open enrollment for individuals started November 1, 2015 and runs through January 31, 2016. As a reminder, individuals must submit their applications by December 15, 2015 to have their selected coverage effective and in-force on January 1, 2016. Under the ACA (Affordable… Continue Reading
This can be a frantic time in the world of mid-size employers if they have put off thinking about ACA compliance. Employers with 50-99 employees may qualify for relief from the Shared Responsibility Payments for the 2015 and possibly into… Continue Reading
First I would like to clarify something from last week’s column. It should have cited my colleague, Michael Appaneal, was the source of a prototype document. Please see comments on Redding.com for further clarification. Some GOOD new laws! I am… Continue Reading
I have multiple letters after my name and often people do not understand them. The CEBS (Certified Employee Benefit Specialist) is considered the premier designation in the employee benefits field. This type of education demonstrates a commitment to the highest… Continue Reading
As employees get closer to retirement they will often compare retirement decisions and compare account balances. So what happens if two individuals find that they had made similar contributions to their accounts, but have dramatically different account balances? One might… Continue Reading
Medicare Rx open enrollment is soon upon us. The open enrollment period begins October 15 and ends December 7. I cannot stress enough how important it is for seniors to check the status of their plans. These plans change every… Continue Reading
We are hearing a lot about how difficult it is to access Primary Care in our area. Physician practices are impacted and don’t have room for many more patients. Or perhaps it’s simply difficult to take time off work to… Continue Reading
Open enrollment for individual health plans will soon be upon us. However, folks that are already enrolled need to pay attention to their accounts now. When consumers originally filled out their application, they chose to allow Covered California to verify… Continue Reading
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