It’s been a busy holiday and open enrollment season. One of the biggest news stories centered around the new tax bill and the elimination of the “individual mandate”. One part of this law eliminates the individual mandate for tax years… Continue Reading
One could never say that the world of employee benefits and insurance is dull. Not only must brokers be informed about the different products and insurance company underwriting rules, it’s critical that we stay on top of all the regulators… Continue Reading
Employers preparing for 2018 plan year contributions want to pay special attention to the affordability test rules. At this point, conventional wisdom and those “in the know” are convinced that the ACA (Affordable Care Act, also known as Obamacare) will… Continue Reading
“First do no harm” is often quoted from the translation of the Hippocratic Oath. Scholars say that is not an accurate quote. Rather according to a Harvard ethicist, it says “Doctors should help their patients as much as they can… Continue Reading
How unusual is it for a 64 year old man not to have had a PSA test for 5 years? (A PSA test measures the prostate Specific Antigen in a man’s blood and is a common cancer screening test.) If… Continue Reading
A JAMA study has found that the price of insulin has tripled over the last decade, from $4.34 per milliliter in 2002 to $12.92 in 2013, pushing yearly total costs to $736.09 per person. I can’t help but continue to… Continue Reading
What has been the simplest solution for retail and food service employers who did not want to comply with the benefits mandate in the ACA (Affordable Care Act, aka Obamacare)? Simply cut employees’ hours below 30! It wasn’t a complicated… Continue Reading
The world of employee benefits has changed dramatically. Employers have compliance issues that have expanded to the degree that it’s a real challenge to keep up. In our work, we have witnessed an influx of vendors that see insurance commissions… Continue Reading
With increased likelihood of flooding from El Nino-spawned rains this winter, now is the time to consider purchasing federal flood insurance, according to the California Department of Insurance. Some areas of Redding lie within the floodplain designated by the Federal… Continue Reading
Margaret Beck and I became acquainted many years ago when our daughters were best friends and soccer players in middle school. The Marge I knew and admired then was the Marge I know and admire now: smart, strong, funny, cheerful,… Continue Reading
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