United Benefit Advisors Insight and Analysis Blog

Josie Martinez

Senior Partner and General Counsel at EBS Capstone
a UBA Partner Firm

Recent Posts

Taxation of Identity Protection Services

Posted by: Josie Martinez    Apr 26, 2016 10:00:00 AM

Identity theft protectionAccording to the IRS, identity theft has been the number one consumer complaint to the Federal Trade Commission for 15 consecutive years. The Bureau of Justice Statistics estimates that 17.6 million people were victims of identity theft in 2014. Organizations at every level are trying to protect employee and customer personal information from computer hacking that can disclose sensitive information to identity thieves. As a protective measure, some businesses are providing identity theft protection services in the hopes of preventing and mitigating damage from a data breach. Some insurance carriers are now also offering identity protection services to their customers at no additional cost. Questions were posed to the IRS concerning the taxability of identity protection services provided at no cost to customers, employees, or other individuals whose personal information may have been compromised in a data breach.

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Topics: benefits taxation, identity theft, identity protection

Harvard Professors Fall Out Of the Ivory Tower with Health Care Hikes

Posted by: Josie Martinez    Jan 20, 2015 12:00:00 PM

The New York Times recently stirred up a media firestorm when it reported about Harvard University professors who were lambasting the health care increases they were facing this year.

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Topics: UBA, health care, PPACA Affordable Care Act, ivory tower, harvard, Josie Martinez, professors, 2014 Health Plan Survey

Pediatric Dental Benefits: Duplication of Coverage?

Posted by: Josie Martinez    Jun 24, 2014 1:18:00 PM

By Josie Martinez, Senior Partner and General Counsel
EBS Capstone 

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, pediatric dental, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, Group health plans, small business

How to Survive a DOL Audit

Posted by: Josie Martinez    Apr 17, 2014 7:00:00 AM

By Josie Martinez
Senior Partner and Legal Counsel 

EBS Capstone, A UBA Partner Firm

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Topics: benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, HRA administration

New PPACA Fees Strike Employers

Posted by: Josie Martinez    Feb 26, 2014 10:15:00 AM

By Josie Martinez
Senior Partner and Legal Counsel 

EBS Capstone, A UBA Partner Firm

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Topics: health care costs, ACA, employee benefits, health care reform, PPACA, benefit communication, benefit management, compliance with health care reform, Group health plans

More on Skinny Plans: No Minimum Value Plans Continue to Be an Option

Posted by: Josie Martinez    Feb 20, 2014 11:46:00 AM

By Josie Martinez
Senior Partner and Legal Counsel 

EBS Capstone, A UBA Partner Firm

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Topics: ACA, employee benefits, PPACA, benefit communication, benefit consultants, benefit management, compliance with health care reform

Frequently Asked Compliance Questions

Posted by: Josie Martinez    Feb 5, 2014 11:52:00 AM

By Josie Martinez
Senior Partner and Legal Counsel 

EBS Capstone, A UBA Partner Firm

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Topics: ACA, employee benefits, PPACA, administration, eligibility waiting periods, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, medical plan

The Transit Parity Roller Coaster

Posted by: Josie Martinez    Dec 2, 2013 12:51:00 PM

By Josie Martinez, Senior Partner and Legal Counsel 
EBS Capstone, A UBA Partner Firm

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Topics: transit benefit parity, UBA, employee benefits, hr consulting, HR compliance, UBA Partner Firms

Today’s Top 5 Health Insurance Options for Small Group Employers

Posted by: Josie Martinez    Nov 8, 2013 1:09:00 PM

By Josie Martinez, Senior Partner and Legal Counsel 
EBS Capstone, A UBA Partner Firm

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Topics: health care costs, health insurance, health insurance exchanges, ACA, health marketplace, employee benefits, health care, PPACA, small group employers

The New FSA Carryover Rule…Pros and Cons…

Posted by: Josie Martinez    Nov 5, 2013 10:36:00 AM

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Topics: health care costs, UBA Partner Firm, UBA, hr consulting, health care, FSA, Health FSA