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Proposed Rule for Family Medical Leave Act (FMLA) in the Wake of Defense of Marriage Act (DOMA)

Human Resources Management Department Blog

Following the Supreme Court decision in United States v. Windsor in which the Court struck down the constitutionality of section 3 of the Defense of Marriage Act (DOMA); the provision that interpreted “marriage” and “spouse” to be limited to opposite-sex marriage for the purposes of federal law, President Obama instructed the Attorney General to work with the Cabinet to review federal statutes to ensure that the Windsor decision is implemented.


Could Private Exchanges Provide Cadillac Tax Relief?

Private Exchanges & Defined Contribution Strategies
Using a Private Exchange to Avoid Paying the Cadillac Tax

Employers worried about the "Cadillac Tax," or an excise tax being imposed on employers in 2018 as a result of the Affordable Care Act, may want to consider implementing a private exchange solution sooner rather than later. The Cadillac Tax is a 40% excise tax to be imposed on health insurance benefits exceeding a certain threshold.

ACA’s Deductible Limits for Small Groups Repealed

Compliance Blog
Impact for Small Employers with 100 or Fewer Employees

Protecting Access to Medicare Act of 2014

On April 1, 2014, President Obama signed into law the Protecting Access to Medicare Act of 2014.  The primary purpose of the law was to provide a one-year delay of a 24% reduction in payment rates for physicians who participate in the Medicare program.

Obama Proposal to Shrink White-Collar Exemptions

Human Resources Management Department Blog
Did you know that Obama Proposes Shrinking the White-Collar Exemptions Status Standards?

At a time when employers are already hastily reviewing their employee classifications and re-strategizing their HR budget, President Obama has gotten his pen out once again and aimed it toward employers. On March 13, 2014, the President signed a memorandum instructing the Department of Labor to update regulations about who qualifies for overtime pay. He has set his site on the most common overtime exemption status the “white collar” exemption. This exemption is applicable to your administrative, executive and professional level, outside sales and computer professionals. The President wants the DOL to raise the threshold level for the salary-basis test of the white-collar exemption from the current $455 per week in order to account for inflation. This is the first overhaul in ten years and the threshold has been only been raised twice in the past 40 years.

Premium Credits for Non-Exchange Coverage

Compliance Blog
Premium Credits for Non-Exchange Coverage

In general, individuals who may benefit from this latest relief are those who are eligible for federal subsidies and who attempted to enroll in Exchange coverage during the initial open enrollment period (October 1, 2013 through March 31, 2014) but did not receive a timely eligibility determination and either:
•have not had any health coverage continuously since January 1, 2014; or.
•enrolled in a qualified health plan outside of an Exchange.

Over 100 FTEs and Planning on Being Subject to “Pay-or-Play” in 2015? Count Again!

Legal & Compliance Department Blog
Over 100 FTEs and Planning on Being Subject to “Pay-or-Play” in 2015? Count Again!

Before an employer that is within shouting distance of 100 FTEs decides it must offer insurance in 2015 to avoid the pay-or-play penalties, it should do some math, particularly if it employs a significant number of part-time employees. Because of the permitted reduction in the number of full-time employees counted for purposes of the ”no insurance offered” penalty, the employer might find that, even if it doesn’t offer insurance, it might just avoid pay-or-play penalties in 2015 nevertheless.

Liazon Welcomes Humana to the Bright Choices Exchange

Private Exchanges & Defined Contribution Strategies
Humana’s Commercial Portfolio of Products to Be Featured in Markets Across the Country

For Benefit Advisors Network smart partners, and their clients, this announcement means an expansion of the Bright Choices Exchange already offered them through their partnership with a BAN employee benefits agency. As BAN announced in "Benefit Advisors Network Announces Private Exchange Partnership," Benefit Advisors Network employee benefits agencies have been offering the Liazon private exchange to their clients since the end of August, 2013. To find out how you can incorporate the BAN private exchange solution into your defined contribution strategy use our BAN Member Directory to locate your nearest BAN agency.

Is Mammographic Screening Effective?

Wellness & Population Health Management
Is Mammographic Screening Effective?

In my role as Chief, Health and Informatics Services for the smart partners of Benefit Advisors Network, I’d suggest that employee benefits consultants responsible for planning and implementing wellness programs and monitoring gaps in care for screening mammography should be aware of some background information and criticisms of the study.

Why More Midsize Companies are Considering Self-Insurance

Captive Insurance Blog
Keeping You Up to Date on Why and How to Use Captives

In USA Today article "Health Law May Hit Midsize Business Hardest," Staff Writer Jayne O'Donnell outlines why midsize businesses, are having the most difficult time adapting to health care reform legislation. From our experience in the Captives Department at the Benefit Advisors Network (BAN), these self insured companies will enjoy more benefits when they become participants in the Mid Market Med Program (a Group Captive facilitated through the Captives Department).


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