ComplianceMnthlyRecap MH 5.16.22

Your Voluntary Benefits Plan May Lead To A Tragic Result

Posted by: Mitchell Nelson    Dec 6, 2018 11:52:59 AM

shutterstock_242642638The end of the open enrollment season is in sight, and human resource professionals are breathing a sigh of relief as they close the door on the 2019 enrollment. Smart benefit managers are already beginning to assess new products and services for the next enrollment season and looking at how to improve their programs and processes.

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Topics: disability insurance, disability income protection, Millennials, income protection

How Well do Your Employees Evaluate Risk?

Posted by: Bill Olson    Jul 10, 2018 11:56:07 AM

shutterstock_1013579446In a recent column in Human Resource Executive, Carol Harnett reminds us that humans are notoriously poor at evaluating risk. We don’t always focus on the major problem, or weigh compromising factors correctly. Quoting risk-communications consultant Peter Sandman, Harnett suggests that risk should be evaluated using this formula: Risk = Hazard + Outrage.What does that mean? Hazard is the anticipated annual mortality rate, and all other factors fall under outrage. “The public,” says Sandman, “pays too little attention to hazard; the experts pay absolutely no attention to outrage. Not surprisingly, they rank risks differently.” Consequently, experts and the public choose insurance differently too.

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Topics: employee benefits, disability insurance, disability income protection

EEOC Files Suit Over Wellness Program

Posted by: Linda Rowings    Sep 9, 2014 12:32:00 PM

78780375The Equal Employment Opportunity Commission (EEOC) has sued an employer because the penalty it applied for not participating in its wellness program was, in the eyes of the EEOC, so high that participation was not, as a practical matter, “voluntary.” Under EEOC rules, an employer may conduct medical examinations, which includes obtaining medical histories and blood draws, only in limited situations. One of those permitted situations is a voluntary wellness program. Because the program did not qualify as “voluntary,” the questions employees were asked about their health on a health risk assessment, a blood draw, and a range of motion assessment violated the Americans with Disabilities Act (ADA), according to the EEOC’s Complaint.

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Topics: employee engagement, wellness, ancillary benefits, health care costs, ACA, disability management, voluntary benefits, employee satisfaction, UBA Partner Firm, employee benefits, hr consulting, health care reform, health care, wellness programs, absence management, absenteeism, disability insurance, health risk assessment, PPACA Affordable Care Act, employee health, insurance solutions, medical plan, self funded health plans, HRA

Overcoming Employee Disengagement

Posted by: Bill Olson    Aug 27, 2014 1:31:00 PM

451846939By Peter Freska, CEBS, Advisor
The LBL Group 
A United Benefit Advisors Partner Firm 

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Topics: employee engagement, wellness, ancillary benefits, health care costs, ACA, disability management, voluntary benefits, employee satisfaction, UBA Partner Firm, employee benefits, hr consulting, health care reform, health care, wellness programs, absence management, absenteeism, disability insurance, health risk assessment, employee health, insurance solutions, medical plan, self funded health plans, HRA

The Road to Better Absence Management

Posted by: Bill Olson    Aug 11, 2014 3:14:00 PM

By Stephen Coffman, Group Practice Leader
The Guardian Life Insurance Company of America  

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Topics: employee engagement, wellness, ancillary benefits, health care costs, ACA, disability management, voluntary benefits, employee satisfaction, UBA Partner Firm, employee benefits, hr consulting, health care reform, health care, wellness programs, absence management, absenteeism, disability insurance, employee health, insurance solutions, medical plan, self funded health plans

Why Your Disability Insurance Audit is So Important

Posted by: Terry Allard    Jan 27, 2014 1:49:00 PM

Terry Allard, Sr. Benefit Advisordisability insurance
The Wilson Agency, LLC

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Topics: ancillary benefits, disability management, UBA Partner Firm, employee benefits, hr consulting, absence management, absenteeism, disability insurance