Originally Posted by LifeHealthPro MAR 09, 2015 | BY BRYCE SANDERS How do you compete in an over-prospected market? Join these 9 groups and start networking. You are not alone. As an agent or advisor in a metro market you are competing with plenty of other professionals seeking to add clients. How do you compete in an over-prospected market? The … Read more
Accident insurance is one of most popular benefits in the worksite market and has appeal for most groups. The traditional school of thought has been that it appeals more to blue-collar groups because of its relative affordability and the likelihood that those particular employees engage in activities that might be more likely to lead to … Read more
More PPACA group health provisions are supposed to begin taking effect in 2015. The current schedule calls for a transitional version of the PPACA “play or pay” employer coverage mandate to apply to employers with 100 or more full-time employers, and to some employers with 50 to 99 employees. Employers will have to keep track of which employees … Read more
The evidence continues to mount that mid-to-large corporations will fine-tune, but won’t abandon, employee health plans. A Towers Watson survey of 379 companies in that size range found, among other trends, that companies believe in providing health coverage, but want to be able to predict the cost of coverage. To accomplish both, they are gradually … Read more
Q1: My employer offers employees cash to reimburse the purchase of an individual market policy. Does this arrangement comply with the market reforms? No. If the employer uses an arrangement that provides cash reimbursement for the purchase of an individual market policy, the employer’s payment arrangement is part of a plan, fund, or other arrangement … Read more
Health care costs continue to bedevil managers of small-to-mid-sized businesses. But talent acquisition is quickly catching up to health insurance as a limiting factor in their growth, and the competition from U.S. and foreign firms is heating up. These are some of the high-level findings of a comprehensive study produced by Lucas Group, a national … Read more
Last year’s change to the longstanding use-it-or-lose-it rule for flexible spending accounts is driving double-digit enrollment growth. Alegeus Technologies said this week that clients who have actively promoted the FSA rollover allowance to their employer groups and eligible employees are seeing 11 percent incremental growth in FSA enrollment and 9 percent growth in FSA elections — compared to … Read more
You may or may not have heard about the controversy surrounding Zane Benefits, a company that has won over many small businesses by promising them that they can cancel their group health insurance plan and still offer their employees a health benefit. Zane sells software that helps small businesses reimburse workers – with tax-free dollars! – when … Read more
On July 24, 2014, the IRS released Revenue Procedure 2014-37 to index the Affordable Care Act’s (ACA) affordability percentages for 2015 under the employer mandate. The IRS also adjusted upward the income level under which employees are exempt from the ACA’s individual mandate. Employer Mandate Adjustment: An applicable large employer’s health coverage will be considered … Read more
What are the rules for attribution for determining Parent/Subsidy & Brother/Sister Controlled Groups? Attribution is the concept of treating a person as owning an interest in a business that is not actually owned by that person. Attribution may result from family or business relationships. Internal Revenue Code (“Code’) Section 1563 attribution is used in determining … Read more
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