United Benefit Advisors Insight and Analysis Blog

Top 10 FMLA Employer Mistakes

Posted by: Bill Olson    Jul 3, 2014 12:06:00 PM

The Family and Medical Leave Act (FMLA) regulations that became effective in 2009 provide employers with mechanisms by which we can better curb FMLA abuse. However, there are also some traps employers can fall into if they do not review the regulations carefully and administer leave requests appropriately. 

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Topics: FMLA, health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, 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, family medical leave, leave of absence, fmla abuse

What Employers Need to Know about SCOTUS Hobby Lobby Ruling

Posted by: Bill Olson    Jul 2, 2014 1:05:00 PM

On June 30, 2014 the U.S. Supreme Court issued a decision in a case generally referred to as the Hobby Lobby case. Hobby Lobby is a family-owned for-profit corporation. The family that owns Hobby Lobby strongly believes that it would violate their deeply held religious values and obligations to provide coverage for four of the types of contraception that non-grandfathered plans must cover as preventive care. (The four drugs -- two types of IUDs and two types of "morning after pills" -- operate in a manner that violates their belief that life begins at conception.) Hobby Lobby sued HHS on the basis that the requirement to cover these contraceptives violates the Religious Freedom Restoration Act of 1993. The Court held that:

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, hobby lobby, birth control, family planning, contraception coverage, 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

PPACA Update: Highlights of the PCORI Fee

Posted by: Bill Olson    Jun 26, 2014 10:41:00 AM

The Patient-Centered Outcomes Research Institute (PCORI) fee is due July 31, 2014, for virtually all group medical plans.

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, 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

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

Top 5 Questions Large Employers Ask about PPACA Compliance

Posted by: Bill Olson    Jun 19, 2014 2:09:00 PM

1. What must I do to avoid the employer taxes?

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, 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

Feeling Sick about PPACA Penalties?

Posted by: Bill Olson    Jun 17, 2014 2:23:00 PM

PPACA Symptom Checker Diagnoses Your Penalty Prognosis

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, 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

Delaying Use of the Federally Facilitated SHOP (FF-SHOP) Exchange May Save You Money

Posted by: Carol Taylor    Jun 12, 2014 2:41:00 PM

By Carol Taylor
Benefits Advisor
D&S Agency 

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, 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

Getting Employees to Save More for Retirement

Posted by: Bill Olson    Jun 11, 2014 1:23:00 PM

There’s no denying it. The vast majority of workers won’t be ready financially for retirement. Seventy percent are behind schedule in saving for retirement and half of all Americans have less than $10,000 in savings. Of immediate importance is the fact that nearly half of the oldest boomers are at risk of not having sufficient retirement resources to pay for basic retirement and healthcare costs!  

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, retirement, small group employers, 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 Benefits Communication Boosts the Bottom Line

Posted by: Bill Olson    Jun 5, 2014 1:11:00 PM

As the cost of employer-sponsored health insurance continues to rapidly outpace wages and inflation, now more than ever employers are looking for ways to keep costs down. One way to do so (that requires very modest investment) is by improving benefits communication, a critical component of employee engagement.

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, small group employers, 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

Top 5 Questions about SHOP (Small Business Health Options Program)

Posted by: Bill Olson    May 29, 2014 1:52:00 PM

Beginning in 2014, small employers may choose to provide health coverage to their employees through a Small Business Health Options Program (SHOP) Marketplace. Here are the top 5 questions we hear about SHOP:

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Topics: health insurance exchanges, private insurance exchange, health marketplace, employee wellness, PPACA, small group employers, SHOP, small business health options program, 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