| EEOC’s Status Report in AARP v EEOC Creates Uncertainty for Wellness ProgramsIn its March 30 status report for AARP v. EEOC, the EEOC stated that “it does not currently have plans to issue a Notice of Proposed Rulemaking... but it also has not ruled out the possibility that it may issue such a Notice in the future.”CMS Extends Transition Relief for Non-Compliant Plans Through 2019On April 9, the Centers for Medicare & Medicaid Services announced a one-year extension to the transition policy for individual and small group health plans that allows issuers to continue
policies that do not meet ACA standards.Live Well Work Well NewslettersA newsletter bringing readers information about healthy living.Benefits Buzz NewslettersBenefits and HR tips updated on a monthly basis.IRS Adjusts HSA Contribution LimitThe IRS has released adjusted contribution limits for health savings accounts due to changes made by the Tax Cuts and Jobs Act.Agencies Release Proposed Regulations on Short-Term Limited Duration InsuranceOn February 20, three U.S. government agencies released proposed regulations that expand the availability of short-term limited duration insurance. The direct impact to employers is limited; however, there is some concern that this rule may disrupt tWeight Management- Help Your Employees Help ThemselvesIncreasingly, employers are finding the need for a more holistic approach to weight loss that relies on the cumulative effect of lifestyle habits throughout the day and is best anchored in a culture of wellness at home and at work.Spending Bill Delays Cadillac TaxMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsWhat the 2017 Tax Reform Actually Means for EmployersOn December 22, 2017, President Trump signed the 2017 Tax Cuts and Jobs Act, marking his administration’s first successful modification to the Affordable Care Act.Business Insurance Tips for 2018Marsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsEmployee Benefit Changes in the Tax Cuts and Jobs Act of 2017On December 22, 2017, President Trump signed what is known as the Tax Cuts and Jobs Act, overhauling America’s tax code for both individuals and corporations and providing the most sweeping changes to the U.S. Tax Code since 1986.Court Vacates EEOC Wellness Program Incentives RulesThe federal court in the District of Columbia vacated, effective January 1, 2019, the portions of the final regulations that the EEOC issued last year under the ADA and the GINA addressing wellness program incentives.IRS Extends Deadline for 1095 FormsMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsEmployee Benefits in 2018For those in the employee benefits arena, 2017 was a year of market chaos, regulatory uncertainty, consumer confusion, and technological complexity. 2018 may be more of the same.MMA Stop Loss SurveyThe MMA Stop Loss survey features data from over 200 clients, spanning 11 of MMA's Upper Midwest offices.Work Wellbeing- Easing Holiday StressMany Americans are never more busy than during the holiday
season—so it’s a given that workers are stressed on the job as well. The good news is that employers can take a number of practical steps to reduce stress.Revealing Financial Risk & Improving Financial HealthAt an MMA seminar held this fall, speaker Hugh O'Toole discussed retirement planning, including how employee retirement plans benefit the company's bottom lineThe Opioid Crisis- Why Employers Need to Pay AttentionOpioid abuse across the country is increasing. Employers need to take action before this growing crisis affects their workplace.Discontinuation of Cost-Sharing Subsidies in the MarketplacesOctober 16, 2017 - The Trump Administration has indicated it will stop paying cost-sharing subsidies immediately to insurance carriers.The cost sharing subsidies are available to individuals making 250% or less of the Federal Poverty Level.Trumps Executive Order on Health CareOctober 16, 2017-Telemedicine and HSAsOctober 13, 2017 - As health care costs continue to rise, so does the demand for cost-control strategies. One such strategy is telemedicine.Data Breach Risks During Annual EnrollmentOctober 6, 2017- Cybercriminals, identity thieves and hackers are willing to take drastic measures to infiltrate the data-rich annual enrollment process. How can you mitigate this risk?Truck Driving & Ergonomic ChallengesLong-haul trucking is an industry that present unique ergonomic challenges.Annual Enrollment Keeping Employees EngagedAnnual enrollment can be intimidating for both employers and employees. Many employers are utilizing various communication
channels and the support of their brokers to find the best fit for their workforces.Medicare Part D Notices Due by Oct 14September 14, 2017- Employers should confirm whether their health plans’ prescription drug coverage is creditable or non-creditable and prepare to send their Medicare Part D disclosure notices by Oct. 14, 2017.Court Sends Wellness Regulations Back to EEOC for ReconsiderationSeptember 13, 2017- On August 22, 2017, a federal court in the District of Columbia ordered the EEOC to reconsider the limits it placed on wellness program incentives under final regulations the agency issued last year under the ADA and the GINA.Ergonomics- The Impact on Your Bottom LineMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsNew York Paid Family Leave LawOn July 19, 2017, Governor Cuomo announced final
regulations implementing New York’s nation-leading Paid Family Leave (PFL) program. Nearly all private employees
in New York State will be eligible for Paid Family Leave.PCORI Fees Due by End of JulyJune 1, 2017 - Employers that sponsor self-insured group health plans, including HRAs, should keep in mind the upcoming July 31, 2017 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI)Sick & Safe Leave Rule- Ordinances in Minneapolis and St PaulMay 31, 2017 - The cities of Minneapolis and Saint Paul have issued ordinances requiring employers to provide earned sick and safe time to employees, effective July 1. 2017. AHCA Passes in the HouseThe bill passed with a close vote of 217-213 and faces an uncertain future in the Senate.House Republicans Withdraw the AHCAOn March 24, 2017, the U.S. House of Representatives’ Speaker Paul Ryan pulled from the floor the American Health Care Act (AHCA) once it was clear that the bill was short on votes to pass. Effectively, this means the AHCA will not survive to bThe AHCA-- What Employers Need to KnowMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsAmerican Health Care Act -Congressional Republicans’ ACA ReplacementThe proposed American Health Care Act (“AHCA”) retains many of the ACA’s key features while making substantial changes in other areas.House Committees Release Proposed Legislation to Repeal and Replace the ACAOn Monday, March 6, the U.S. House of Representatives Ways and Means and Energy and Commerce Committees released the American Health Care Act (AHCA), their proposed legislation to repeal and replace the Affordable Care Act (ACA).Compliance Update IRS Accepting Tax Returns Without Indication of Health InsuranceMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutions2017 Employee Benefits TrendsMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsPresident Trump Issues Executive Order on the Affordable Care ActPresident Trump moved swiftly after taking office on Friday, issuing an Executive Order intended to minimize the economic
and regulatory burdens of the Affordable Care Act (“ACA”). The order is somewhat symbolic and has no immediate effect.Employee Benefits in 2017 - Change is coming - How will it affect you?Marsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsCongress Passes Law Explanding Use of HRAs by Small EmployersOn December 7, 2016, the Senate passed the 21st Century Cures Act (“Cures Act”), an omnibus measure that includes the Small Business Healthcare Relief Act (“Relief Act”), which significantly expands small employers’ optiImproving Quality of Care Hinges on Employee EngagementImproving the engagement of your employees at your health care organization can improve the quality of care delivered to patients. Workplace BullyingOctober 11, 2016 -- Bullying is said to affect 65 million workers annually. Being a target of bullying is said to have greater long term effects on its victims than victims of sexual harassment. Understanding the Medical Loss RatioAugust 31, 2016 - The Affordable Care Act (ACA) requires health insurance carriers to spend a specific percent of premium revenue providing coverage (paying claims, providing clinical services and quality improvement).Effectively Managing Crises and Reputational Risk For Health Care OrganizationsJuly 25, 2016--One critical way that health care organizations can be prepared for such events is to have a crisis management plan in place.Beware of FICA-Reduction Arrangements using Wellness ProgramsJune 1, 2016--Certain FICA-reduction arrangements are being marketed to employers that are intended to reduce and employer's FICA obligation by increasing employee's pre-tax salary reductions.EEOC Releases Final Rules for Wellness Programs under ADA and GINAMay 26, 2016 - The ADA rules cover an employer’s requests for health information from employees and the GINA rules cover requests for health information from family members.Performance Management is Much More Than a Yearly ReviewMay 19, 2016-- While yearly employee reviews are important, the most effective performance management strategy is a ongoing, year-round processTotal Cost of RiskMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsMercer Releases 2015 Health Plan Survey ResultsFeb. 3, 2016--The Mercer National Survey of Employer-Sponsored Health Plans tracked health benefit costs for both small (1-499 employees) and large (500+ employees) employers to help determine the effects of rising health care costs.A Year of Change - Employee Benefits in 2016Dec. 9, 2016--A tight job market and compliance with new rules regarding overtime pay will be leading issues for HR managers in 2016. Additionally, more emphasis on wellness, and new regulatory and legislative challenges are likely in 2016.New MNsure COBRA Special Enrollment PeriodAug. 14, 2015--On August 14, 2015, the Minnesota health insurance Marketplace, MNsure, issued a bulletin creating a special enrollment period (SEP) for current COBRA enrollees. The SEP will begin August 17, 2015, and continue through October 15, 2015Minnesota Senior Living Reimbursement Reform 2015July 24, 2015--Minnesota recently enacted legislation that will provide additional funding to skilled nursing facilities for a variety of employee issues, including health benefits, dietary staff, nursing, social services, and activities costs.Population Health ManagementMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsPrepare For US Supreme Court Health Insurance Exchange RulingJune 18, 2015--The U.S. Supreme Court is debating a case challenging the legality of the IRS’ decision to extend ACA premium tax credit subsidies to individuals who purchase health care coverage through the federally-run health insurance exchange.A Second Look at Onsite ClinicsJune 2, 2015--Most employers are familiar with the idea of onsite health clinics: a location where employees can get basic health services right at their place of employment. These are no longer limited just to the largest employers. ERISA Disclosure RequirementsMay 1, 2015--There’s been a lot of talk about plan documents, ERISA e-disclosure requirements, and Department of Labor audits. In Thomas v. CIGNA, a court ruled against an employer who could not prove it employee received a Summary Plan Description.EEOC Proposes Rules For Wellness ProgramsMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsVoluntary Benefits - Expanding Flexibility Building LoyaltyMarch 10, 2015--As the employee benefit landscape continues to evolve, with health care reform pushing some changes and the trend of more consumer involvement and decision-making continuing to grow, voluntary benefits are getting more attention.Total Worker Health IntroductionMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsIRS Releases More Guidance on Employer Reimbursement PlansMar. 2, 2015--Recently the IRS released Notice 2015-17 which continues to expand on prior guidance regarding employer payment plans.Employee Benefits Outlook for 2015 - Trends to WatchJan. 13, 2015-As a new year begins, businesses are planning for 2015. In the area of health insurance and employee benefits, 2015 will see continued implementation of health care reform, with measures such as the employer mandate coming online.Employee Benefits 2014 A Year in ReviewMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsPrevent Getting the Flu & Cold This SeasonLearn to stay healthy during the cold and flu season.Introducing Employees to Private ExchangesJan. 6, 2015--The private exchange model holds a lot of potential to hold down health care costs and customize insurance plans to better fit enrollees' needs. But it requires employees to think differently about insurance and become more involved.The Pros and Cons of Private Exchanges - Things Employers Should Know and ConsiderDec. 2, 2014--As health insurance continues to evolve, the idea of a health care exchange—in which enrollees choose from a menu of insurance plan options—has become an increasingly appealing choice for millions of Americans.Agencies Issue Guidance on Employers' Premium Reiumbursement Options for EmployeesNov. 7, 2014--In clear and unambiguous terms, the U.S. departments of Labor and Health and Human Services and the IRS drove a stake into the heart of two health insurance strategies that have been promoted to business owners across the country.Medica Children’s Hospitals and Clinics of Minnesota at Odds on Renewal ContractNov. 5, 2014--Medica and Children’s Hospitals and Clinics of Minnesota are in a contract dispute. The Star Tribune reported on this yesterday, and Children’s recently sent letters to its patients insured through Medica informing them of the impasse. Feds Sue Honeywell Over WellnessOct. 31, 2014--On Oct. 27, the Equal Employment Opportunity Commission (EEOC) sued Honeywell, alleging that their wellness program violated the Americans with Disability Act (ADA) and the Genetic Information Nondiscrimination Act (GINA).Ebola Preparedness ResourcesOct. 21, 2014--The Ebola Response Center contains links to articles and other resources, including an upcoming Webinar discussing the virus, what’s occurred so far, appropriate precautions and even pandemic preparedness.Looking beyond MNsure's 2015 premium rates releaseOct. 1, 2015--At 11am today, state officials released some of the MNsure rates for the 2015 year and here are some early insights.IRS Rules Employer Payment Plan EPP Arrangements Violate ACA Requirements on Annual LimitsMay 23, 2014--Referencing Notice 2013-54, issued last September, the IRS stated that EPP arrangements are considered employer group plans, which violate Affordable Care Act (ACA) requirements such as the prohibition on annual limits.Health Care Ricochet: New Solutions Called For as the ACA Threatens to Boost Workers' Compensation CostsMay 9, 2014--Among the least-understood and seldom discussed consequences for employers is the possible relationship between the rollout of the Affordable Care Act (ACA) and workers’ compensation claims.IRS Releases 2015 HSA Account and Plan LimitsApril 30, 2014--The IRS has released the 2015 limits affecting Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs).Health Plan Identifier OverviewApril 23, 2014--Final regulations were issued requiring health plans to obtain an HPID beginning in 2014 with use being mandated starting November 7, 2016. This will affect most self-funded groups and does not affect fully insured plans. The regulatiEmployee Benefits in 2014 - Where are we now and where are we going?April 14, 2014--When it comes to the benefits marketplace in 2014, the Affordable Care Act might be described as the whale in the room. The future of the health benefit market remains murky as the ramifications of the health care law are taking form.Non-Calendar Year Transition ReliefMarch 31, 2014--The IRS and Treasury Department published Final Rules regarding the Employer Shared Responsibility provisions of the Affordable Care Act. Relief has been granted to non-calendar year plans subject to the employer mandate. The rulEmployee Benefits Strategy for 2015 - Penalties Mandates & Reporting Requirements Under the ACAMarch 21, 2014--This article will dig deeper into the health care reform changes by looking at things such as play-or-pay penalties, how to count eligible employees, and IRS reporting requirements. Webinar -- Self-funded Plans & the Affordable Care ActThursday, July 17, 2014, 1-2 PM CDTLearn how self-funded plans are treated under the ACA. Webinar--Wellness Program LegalitiesThursday, June 19, 2014, 1-2 PM CDTLearn about the legalities of creative benefit designs and the treatment of wellness plans under federal law (HIPAA, ADA, GINA). Webinar--Mercer Benchmark SurveyThursday, June 12, 2014, 1-2 PM CDTReview the latest Mercer Benchmark Survey results to help you in evaluating and creating competitive compensation offerings. Webinar--Complying with HIPAA Privacy RulesThursday, April 17, 2014, 1-2 PM CDTThis Webinar satisfies HIPAA's training requirement for employees who handle protected health information. Workshop--Pay or Play - MinneapolisThursday, June 19, 2014, 8:30-10:30 AMDo you know how health care reform is going to financially impact your organization? Get the numbers and start making your strategic plan by attending this workshop.90-Day Waiting Period Rules and Eligibility RequirementsMarch 3, 2014--Final rules have been released regarding the ACA prohibition on waiting periods exceeding 90 calendar days. The final rules formally adopt the proposed regulations in regard to waiting periods provided in March 2013, and, in a new deveWebinar--Discrimination TestingThursday, March 20, 2014, 1-2 PM CSTDuring this Webinar you will learn about the Affordable Care Act's rules on discrimination regarding cafeteria plans and self-funded group health plans. Employee Benefits Strategy for 2015 - Understanding Plan Design Options Under the ACAFeb. 20, 2014--We’ll look at four categories of plan design: fully-insured, self-insured, defined contribution, and no coverage. Within the four options, there are several considerations, including financial, administrative, and compliance issues.Final Rules on the ACA Employer MandateFebruary 11, 2014--IRS has released long anticipated final guidance regarding the employer mandate. The regulations are wide ranging and will require further analysis. Read the initial highlights.Webinar--Basics of Low-Cost Group Health PlansThursday, February 20, 2014, 1-2 PM CSTLearn about "skinny" plans and other ways organizations can comply with health care reform employer mandates. Webinar--Private ExchangesThursday, February 13, 2014, 1-2 PM CST
Learn about the evolving private exchange marketplace and what employers need to know when considering a private exchange.The Disability and Medical Leave MinefieldJanuary 15, 2014--Many employers are not currently in compliance with The Americans with Disabilities Act and the changes made by the Americans with Disabilities Act Amendment Acts. Part of the reason disability and leave management are often ov2015 is Right Around the CornerJanuary 13, 2014--As 2014 begins, we see the impact of many Affordable Care Act (ACA) rules becoming effective. The 90 day waiting period, prohibition of lifetime and annual maximums, and the insurer fee are just a few examples. While these were signWebinar--Employer Benefits Obligations Post-DOMAThursday, January 16, 2014, 1-2 PM CST
Learn about the U.S. v. Windsor decision and its impact on group health plans, to include guidance on imputing income for non-tax dependents.W-2 Health Insurance Reporting ReviewJan. 7, 2014--The ACA requires large employers to report the “aggregate cost” of certain types of employer provided health coverage on an employee’s W-2. Employee Benefits - 2013 Year in ReviewDec. 23, 2013--The world of Employee Benefits saw many changes this year. Take a look back to make sure you are aware of all the issues that could impact your organization. Proposed Rules Regarding Excepted BenefitsDec. 30, 2014--The Departments of Treasury, Labor, and HHS released proposed rules that would amend regulations regarding excepted benefits. The proposed rules address the requirements necessary for dental and vision plans, and EAPs, to be treatSmall Employer Premium Tax Credit for WIDecember 19, 2013--The IRS has released Notice 2014-6 providing small employer premium tax credit transition relief to small employers in certain counties of Wisconsin and Washington state.Same Sex Spousal Cafeteria PlanDecember 18, 2013--The IRS addressed how same sex spousal cafeteria plan and other tax favored arrangements would be treated in 2013 due to the Windsor decision. Plans should take immediate note of the pretax requirement as well the treatment ofStart Planning for ACA Mandates for 2015 NowDec. 4, 2013--The Administration delayed the employer mandate which generally requires employers with more than 50 full time employees to offer health insurance to their employees. While the mandate is still over a year away from taking effect, emploMarketplace Subsidies for Adult ChildrenDec. 3, 2013--Individuals, such as adult children through age 26, who do not also qualify as the employee’s dependent, may be eligible for ACA subsidies when purchasing individual coverage, even if they are eligible to participate in an affordaSHOP Enrollment DelayNov. 27, 2013--The Department of Health and Human Services has announced a one year delay of online enrollment for small businesses purchasing group health coverage through the Federal SHOP Marketplace (Exchange).Final Rule for ACA Medicare Tax Rule IssuedDec. 2, 2013--The IRS has issued final regulations regarding the 0.9% Additional Medicare Tax that was included in the Affordable Care Act. Public vs Private ExchangesNovember 6, 2013--Updated CHIP Notice for Use Until 2016November 6, 2013--The Department of Labor has released an updated CHIP notice that employers can use until October 2016. FSA Use It Or Lose It ModificationNovember 1, 2013--The IRS announced a modification to the “use it or lose it” rule regarding health flexible spending accounts (FSA). FSA owners will now be able to carryover a portion of their unused balance into the next plan year. Webinar--Unweaving the World of Leave ManagmentThursday, February 13, 2013, 12-1 PM CST
Learn about the legalities and proper procedures for leave management. IRS Issues Proposed Employer Reporting RulesOctober 1, 2013--The IRS has released proposed rules related to Affordable Care Act employer and insurance carrier reporting requirements.Understanding the Value of Integrated Risk PreventionSept. 10, 2013--Developing a results-oriented risk reduction plan and supporting it with a well-structured insurance program can help companies reduce overall risk costs. But that can be easier said than done.Tax Treatment of Benefits Provided to Same-Sex Married CouplesSeptember 3, 2013--The IRS has issued guidance clarifying the tax treatment of employee benefits provided to same-sex married couples. Due to the Court's ruling, health and welfare benefits provided to legally married same-sex spouses will now bSchool Risk PreventionIn addition to school insurance, our in-house consultants offer safety consulting; claims management, advocacy and reduction; human resource consulting; health management and wellness consulting; employee benefits; and management liability insurance.Final Rules for Wellness PlansJune 7, 2013--
Final wellness program regulations have been issued. These regulations are based on the existing HIPAA wellness rules and the requirements contained in proposed rules issued in November 2012. Additional FAQs on SBC RequirementsMay 31, 2013--Additional FAQs have been released regarding the summary of benefits and coverage requirements contained in the Affordable Care Act. PCORI FeesMay 24, 2013--Certain employers may be responsible for paying a PCORI (Patient-Centered Outcomes Research Institute) fee as soon as July 31, 2013. This usually would be for plan years that ended on October 31, 2012, November 30, 2012, or December 31,Minimum Value and AffordabilityMay 15, 2013--The IRS has released a proposed rule on the minimum value and affordability rules under the ACA. The proposed rule provides guidance on determining whether health coverage under an employer-sponsored plan is affordable and provides miniHSA Limits for 2014May 7, 2013--The IRS has released the 2014 limits affecting Health Savings Accounts (HSAs) and High Deductible Health Plans. 90-Day Waiting Period LimitsApril 30, 2013--Proposed regulations addressing the Affordable Care Act’s prohibition on waiting periods exceeding 90 days were recently released. The proposed regulations are substantially similar to the August 2012 temporary guidance, buPreventing Talent VoidsApril 18, 2013--The workforce is aging, more people are retiring or approaching retirement than are joining the workforce, and education systems seem to lag behind the needs of business. Getting ahead of this trend can help you prepare your organizatWebinar--Implications of the Election on ACA RulesRecorded on Thursday, November 15, 2012, Duration: 30 minutes
During this Webinar, we will discuss the changes to your benefit and compensation plans you need to be ready for in 2013 as ACA provisions start coming due.FSA HRA HSAFeb. 12, 2012--The Affordable Care Act established a uniform standard effective January 1, 2011 that applies to all tax-favored arrangements, such as flexible spending arrangements (FSAs), health reimbursement accounts (HRAs) and health savings accouHealth Savings Account Plan LimitsDec. 29, 2011--The Internal Revenue Service (IRS) released the 2012 cost-of-living-adjusted HSA limits.COBRA Subsidy EndingAug. 8, 2011 -- The COBRA subsidy provided under the American Recovery and Reinvestment Act of 2009 (ARRA) will soon come to an end.Wellness Program Band-AidSept. 30, 2011--Focusing on behaviors is like putting a Band-Aid on a tumor. To impact the causes of poor wellbeing, companies need to focus on how people think about their choices and strengthening judgment.What Employers Need To Know About MNsureApril 5, 2013--The signing of the health insurance exchange bill in March authorizing the creation of a state-run health insurance exchange known as MNsure has been a game-changer for the health insurance arena in Minnesota. Same Sex BenefitsOn July 2, 2011, Rhode Island Governor Lincoln Chafee signed legislation that allows same-sex couples to form civil unions effective as of July 1, 2011. The law comes just days after New York passed legislation legalizing same-sex marriage.Wisconsin Changes Definition of DependentOct. 31, 2011--The state of Wisconsin has passed legislation that would largely change the state’s definition of dependent for insurance coverage purposes to more closely follow the new federal definition created by the Affordable Care Act.MN Taxation of Adult Children CoverageAug. 23, 2011 -- The Affordable Care Act extended coverage for eligible dependents up to age 26. The value of coverage for adult children can be excluded from the employee’s federal taxable income if the dependent will not reach age 27 during tWebinar--Bring Sustainable Culture Change to Your OrganizationMMA provides business insurance and corporate risk management solutionsStrengthening Employee Engagement…and AbsMarch 14, 2013--MMA is building on its effort to improve employee wellbeing by increasing movement during the workday. Despite spending time in front of computers and in meetings, MMA doesn’t think this means employees must sit for eight hours a day.Good Coach - Bad CoachFeb. 17, 2012--Leading employees to personal and professional growth can be challenging. It is often easier to just give them the answer when they have a question. The good coach would instead ask them a question in return.Amy DiedrichAmy Diedrich, Employee Benefits Consultant. Contact: +1 763 548 8594, diedricha@rjfagencies.comBriefly From Bill - Three Upcoming Risks for EmployersMay 31, 2012--Three prominent risks facing employers include the upcoming health care reform ruling by the United States Supreme Court, a changing property and casualty insurance marketplace, and the pending storm season.Cobra Audit Guidelines Revised by IRSMay 2, 2012--The IRS may be stepping up their efforts to ensure that employers are complying with COBRA when it recently updated its COBRA audit procedures on its Website last month.Section 105h Nondiscrimination RulesWHITE PAPER: Section 105(h) nondiscrimination rules are complex; however, a quick review of an employer's benefit, contribution and eligibility strategies will help determine whether or not they need to perform the detailed nondiscrimination tests.Statutory Disability 2012Feb. 7, 2012--Certain states mandate short term disability (STD) coverage for employees who work in those states. States have varying eligibility requirements that determine if an individual is eligible for disability insurance.Affordable Care Act Technical ReleaseMarch 5, 2012--The Department of Labor (DOL) recently issued a technical release providing responses to questions from employers and other stakeholders regarding the Affordable Care Act (ACA) provisions governing automatic enrollment, emplDOL Begins Enforcing Affordable Care ActMay 2, 2012--Written audit requests to health and welfare plans from the DOL have included inquiries related to various mandates under the Affordable Care Act. This marks the first appearance of ACA-related topics in DOL auditing practices.HIPAA Notice of Privacy PracticesMarch 27, 2012--HIPAA requires that plan participants of employer-sponsored health plans receive a Notice of Privacy Practices. The requirement applies to several different types of health plans.Annual Reporting RequirementsWelfare benefit plans that have 100 or more participants enrolled on the first day of the plan year are required to file a Form 5500s (and attachments) each year.Health Savings Accounts in WisconsinWisconsin tax law was changed to treat Health Savings Account (HSA) contributions and earnings as tax-free for state income tax purposes.WI Tax Law-Health Insurance for Adult ChildrenNov. 11, 2011--Wisconsin employers no longer need to add the fair market value for health insurance benefits to an employee's income as long as a child has not turned 27 by the end of the tax year.Medical Loss Ratio RebatesJune 4, 2012--Beginning in 2012, insurers must report their prior year MLR data to the Department of Health and Human Services by June 1 and if the minimum standards described above are not satisfied, premium rebates must be provided to policyholdersAdoption Assistance ProgramsDec. 18, 2013--For employer-sponsored adoption assistance programs, the maximum amount excludible from an employee’s income in 2012 for the adoption of a child (both for regular and special needs adoptions) will be $12,650 (decreased from $13,3Dependent Care RegulationsSponsors of dependent care assistance plans are required to notify plan participants of the total tax-free benefit they received through the plan during the calendar year by January 31, 2012.Medicare Prescription Drug ActGroup health plans must provide notice to Medicare-eligible participants advising whether prescription drug coverage provided under the plan is “creditable” or “non-creditable”.Group Term Life InsuranceInternal Revenue Code Section 79 permits an employee to receive up to $50,000 of group term basic life insurance on a tax-free basis. The value amount over $50,000 must be added to the individual’s taxable income.Family Medical Leave Act UpdatesFeb. 12, 2013--The US Department of Labor recently made updates to the Family Medical Leave Act. They removed certification and notice forms from FMLA regulations and made changes to the military sections of the rules.Preventive Services for WomenAug. 8, 2011 -- On August 1, 2011, the Department of Health and Human Services (HHS) adopted guidelines that require non-grandfathered health plans to provide women’s preventive services free of charge to participants.Medical Care Related Travel ExpensesSept. 30, 2011--Employees with a Health Flexible Savings Account (FSA), Health Reimbursement Account (HRA) or Health Savings Account (HSA) are able to claim medical care-related mileage for reimbursement at a slightly higher rate.Webinar--Leadership DevelopmentRecorded on May 9, 2012, Duration: 1 hourDeveloping current and future leaders is critical to the growth and sustainability of any organization. No culture change or employee engagement effort can succeed without quality leaders. Effective leadershipHelping the New Workforce to InterdependenceJan. 23, 2013--How do you manage those who feel entitled and view themselves as being “above the law?” Those in HR and many managers struggle with how to understand and work with any person who displays those kinds of attitudes.Notice of Exchange DelaysJan. 22, 2013--The Department of Labor has stated in informal comments that they plan to delay the employer requirement to send a “Notice of Exchange” to employees. Employee Benefits Year In Review 2012Jan. 7, 2013--Review the changes that happened in 2012 in the world of Employee Benefits.EB 2012 Review - Summary of Benefits & Coverage RequirementsJan. 4, 2013--The ACA requires health plans and health insurance issuers to provide a summary of benefits and coverage to applicants and enrollees. Review the notification requirements.EB 2012 Review - Grandfathered Plan StatusJan. 4, 2013--Employers need to determine the "grandfathered status" of their benefits plan and what changes go beyond the permitted guidelines.Wellness Program GuidanceDec. 4, 2012--Long-awaited guidance on several key provisions of the Affordable Care Act, including requirements on essential health benefits, preventing pre-existing condition discrimination & employment-based wellness programs has been releasedSmall Group Insurance RegulationsNov. 21, 2012--The Department of Health and Human Services (HHS) released two sets of proposed regulations related to provisions of the Affordable Care Act (ACA) that are important to individual and fully-insured small group health plans.Compliance Year-End RemindersNov. 7, 2012--As the close of 2012 draws near, we wanted to provide employers with some year-end reminders about compliance deadlines that are coming up soon.ACA Impact on Small BusinessesOct. 2, 2012--The ACA has a significant impact on the health plans that employers offer to their employees. This summary provides an overview of many of the significant elements of the Act that are of particular importance to small employers.SCOTUS Decision & the Impact on EmployersAugust 7, 2012--The Supreme Court of the United States ruled that the individual mandate under the Patient Protection and Affordable Care Act is constitutional. The Act's coverage mandates remain in effect and the implementation aHSA Limits for 2013June 4, 2012--The Internal Revenue Service has issued maximum contribution, deductible and out-of-pocket maximum limits for Health Savings Accounts and HSA-compatible high deductible health plans for the 2013 calendar year.FSA LimitJune 4, 2012--The IRS issued Notice 2012-40, which provides guidance regarding the effective date of the $2,500 limit on salary reduction contributions for Section 125 cafeteria plan health care flexible spending arrangements and the deadline for ameGroup Disability InsuranceMay 1, 2012--Studies show that working-age adults are more likely to suffer from a disability in a given year than they are to die. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage.FAQ SBC RequirementsMarch 27, 2012--The recently released FAQ's regarding the implementation of the SBC provisions contains 24 questions received by the DOL, HHS and the Treasury. Final Rule for Health Insurance ExchangesMarch 27, 2012--The Department of Health and Human Services published the final rule on Affordable Health Insurance Exchanges to provide states with a framework for establishing their exchanges while preserving flexibility. Regulations on Summary of Benefit & CoveragesFeb. 15, 2012--The IRS, Department of Labor and Health and Human Services released final regulations regarding the Summary of Benefits and Coverage (SBC) requirement contained in the Affordable Care Act.Taxation of Domestic Partner CoverageFeb. 7, 2012--Many employers provide health plan coverage to their employees’ domestic partners. This coverage may be taxable on a federal level to the employee depending on several factors.Healthy Culture Great CompanyWHITE PAPER--Developing a process to change your company culture is not only an effective way to engage your workforce, it is the only way to make lasting changes to overall productivity, employee satisfaction and, consequently, the bottom line.Webinar--Trends in Voluntary BenefitsMMA provides business insurance and corporate risk management solutionsWebinar--Medical Funding ConceptsMMA provides business insurance and corporate risk management solutionsWebinar--Trends in Benefits Administration TechnologyMMA provides business insurance and corporate risk management solutionsHealth Management ConsultingMMA provides business insurance and corporate risk management solutionsExpense vs InvestmentsMMA provides business insurance and corporate risk management solutionsBusiness InsuranceCommercial Insurance solutions that protect your firm, your assets and your employees.Healthy Reasons for Creating Return to Work ProgramsOn-the-job accidents and injuries are costly to employers in many ways. But once an employee is on the road to recovery, employers can hold down costs and improve employee morale and loyalty by having a robust return-to work policy.Cutting Health Care CostsPopulation health management is a promising tool now available to medium and large-size companies who are seeking to use the latest in data analytics to hold down health care costs.Seven Health Reasons for Return to Work ProgramsOn-the-job accidents and injuries are costly to employers in many ways. But once an injury has occurred and the employee is on the road to recovery, employers can hold down costs and improve employee morale and loyalty by having a robust return-to woA Second Look at Onsite ClinicsMarsh and McLennan Agency LLC's Kansas City location specializes in commercial insurance and employee benefits for employers and personal insurance for individuals. ACA Reporting Penalties IncreasedWhile employers are trying to figure out how they will comply with the ACA reporting requirements, President Obama just signed a major trade bill containing a section stiffly increasing penalties for ACA reporting noncompliance.Voluntary BenefitsAs the employee benefit landscape continues to evolve, with health care reform pushing some changes and the trend of more consumer involvement and decision-making continuing to grow, voluntary benefits are getting more attention. Pros and Cons of Private ExchangeAs health insurance continues to evolve, the idea of a health care exchange—in which enrollees choose from a menu of insurance plan options— has become an increasingly appealing choice for millions of Americans.Introducing Employees to Private ExchangeThe private exchange model holds a lot of potential to hold down health care costs and customize insurance plans to better fit enrollees' needs. But it requires employees to think differently about insurance and become more involved.Employee Benefits 2014 - A Year in ReviewThe world of Employee Benefits saw numerous changes this year. Take a look back at everything that has happened this year.Benefits Outlook for 2015As a new year begins, businesses are planning for 2015. In the area of health insurance and employee benefits, 2015 will see continued implementation of health care reform, with measures such as the employer mandate coming online.Claims Management & Advocacy ServicesOur experience and reputation helps ensure your claim gets the treatment it deservesSafety & Loss Prevention ConsultingWe can analyze, develop and implement safety programs for your work place.Human Resources ConsultingMMA can supplement the efforts of your current Human Resources department or provide the services of a full department at a fraction of the expense.Employment Law LineAnswers to your organization's HR, employment law, benefits and loss control questions. EB Technology & ResoucesOur knowledge of the Employee Benefits industry is enhanced by our commitment to technology, delivering prompt and accurate advice to our clients covering a wide range of topics.EB BenchmarkingOne of our key goals is to provide meaningful information and advice so that our clients can make better-informed decisions.OverviewOur Employee Benefits programs are shaped by each client’s unique needs and business context, and are designed to ensure that clients get the best return on their benefits spending.Services & ProductsRisk Prevention for Hospitality GroupsMMA offers non-insurance risk prevention strategies for Hospitality Groups.Promoting Employee Well-Being Through Better MovementThursday, March 19, 2015, 8:30 -11 AM Brooklyn Park, MNFMS is a ranking and grading system that evaluates movement patterns that are key to normal function. |
