The Patient Protection and Affordable Care Act (PPACA) is something that all employers are familiar with, or at least should be. You hear about it all the time and probably believe that you are doing everything that is required in order to be in compliance with the laws. Our HR Clinic and Trending articles distributed Read more →

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As wealth grows, so does one’s risk of being underinsured. Affluent individuals must ensure that their physical and liquid assets are properly covered to meet their increased risk exposures. For those realizing significant asset appreciation, remember that your insurance limits should reflect your overall exposure to risk, not the value of your invested assets. With Read more →

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On Nov. 21, 2014, the Department of Health and Human Services (HHS) issued the 2016 Notice of Benefit and Payment Parameters Proposed Rule, which contains several proposed changes for 2016. Among these changes are adjustments to the reinsurance program’s annual contribution rate, the Health Insurance Marketplace open enrollment period for 2016 and following years, and Read more →

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Each year, U.S. fire departments respond to more than 250 home fires that began with Christmas trees. According to the National Fire Protection Association, electrical failures or malfunctions were involved in one-third of the home fires that started with Christmas trees, and one in five occurred because a heat source was too close to the Read more →

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Due to the rising costs of health coverage, employers have shown interest in helping employees pay for individual health insurance policies instead of offering employer-sponsored plans. In response, on Nov. 6, 2014, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) issued FAQ guidance stating that these arrangements do not Read more →

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