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While flattening the curve of COVID-19 infections will save lives, flattening the inflationary curve of employer-sponsored health plans will save businesses.  Luckily, both are possible. Given the uncertainty we all face, one thing is sure: Businesses need to take extensive measures to improve operating leverage and cash-flow NOW.  Before layoffs and other draconian measures are...
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Thanks to tax subsidies, benefits are often the most economical way to attract and retain talent, but creating a truly competitive and compelling employee benefits package can be a struggle — especially if you own a small company. Legally, you have to offer certain benefits like social security taxes, unemployment insurance, and worker’s compensation, and...
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To answer this question, you should first ask yourself: what is the goal of our program? Why do we offer benefits? Most companies offer benefits because it’s the most economical way to attract and retain talent. If talent acquisition and retention is your goal, then you’ll want to understand what your competitors are doing and...
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If you offer a group health plan, it’s imperative to properly administer all of the health plan notices required. Otherwise, you could face costly penalties.  Here is a rundown of the notices you might wish to include in your open enrollment communication efforts:  Summary Plan Description (SPD) This document must include specific information about what...
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You’ve heard people use the words “health” and “wellness” together, but do you know the difference between these two terms? You might think that these terms are interchangeable, but there are significant differences between health and wellness that you (and your employees) need to know about. What are Wellness Programs? Wellness programs focus on preventative...
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It’s the end of another year and another decade, and the healthcare landscape looks completely different than it did 10 years ago. Back then, getting good health insurance from your employer was the norm, and healthcare wasn’t nearly as expensive as it is today.  As employers continue to restructure their health offerings, high-deductible health plans...
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