Archive for Insurance’ Category

3 Questions to Ask When It Comes to Life Insurance | Houston Benefit Advisors
May

23

2017

3 Questions to Ask When It Comes to Life Insurance | Houston Benefit Advisors

Your life insurance needs will ebb and flow throughout your lifetime. Buying a term policy early in your career or taking a basic employer-issued life insurance policy is a common course of action. However, deciding how much and what type of life insurance you need at each stage of your life will serve you and your loved ones much better. One simple thing to keep…

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May

1

2017

ACA Market Stabilization Final Rule | Houston Benefit Advisors

On April 18, 2017, the Department of Health and Human Services’ (HHS) Centers for Medicare & Medicaid Services (CMS) published its final rule regarding Patient Protection and Affordable Care Act (ACA) market stabilization. The rule amends standards relating to special enrollment periods, guaranteed availability, and the timing of the annual open enrollment period in the individual market for the 2018 plan year, standards related to…

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Juvenile Life Insurance: The Whys and Hows | Houston Benefit Advisors
Feb

27

2017

Juvenile Life Insurance: The Whys and Hows | Houston Benefit Advisors

As a parent, perhaps you’ve been able to check the critical financial boxes for your family. You’ve established emergency funds, secured life and disability insurance, and are on track with your retirement goals. You may wonder, is there anything else I could be doing to help my children? This can be the time for parents and even grandparents to consider juvenile life insurance. It’s an…

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Difference Between Basic Insurance & Major Medical Insurance
Jan

25

2017

Difference Between Basic Insurance & Major Medical Insurance

Choosing a health care plan often comes down to cost, but don’t forget to compare the monthly premium with the amount of coverage you get. Major medical insurance is designed to cover you during everything from routine check-ups to major catastrophic events. Basic health insurance, by contrast, is a cash reimbursement service that can help you pay for some—but not all—types of medical services. Basic…

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Written 2017 With Fireworks In The Night Sky
Jan

18

2017

2017: What HR Can Do to Prepare for a Big Year of Change

Employers saw unprecedented changes to human resources management in 2016, including Affordable Care Act (ACA) compliance, new Fair Labor Standards Act (FLSA) regulations, parental leave laws and a push for equal pay. With a new year and a new president taking office, 2017 is sure to usher in some major changes and HR challenges that could have significant impact on businesses large and small. Here…

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Federal Employment Law Update – January 2017
Jan

7

2017

Federal Employment Law Update – January 2017

FAQs About Affordable Care Act Implementation Part 35 On December 20, 2016, the Employee Benefits Security Administration (EBSA) issued frequently asked questions (FAQs) addressing special enrollment for group health plans, coverage of preventive services under the Affordable Care Act (ACA), and qualified small employer health reimbursement arrangements. The FAQs were prepared jointly by the Department of Labor (DOL), the Department of Health and Human Services…

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FAQ text concept on green blackboard with hand
Dec

30

2016

Officials Provide New ACA Guidance in FAQ #35

On December 20, 2016, federal officials released FAQs About Affordable Care Act Implementation Part 35 (FAQ #35) in an ongoing series of informal guidance regarding the Affordable Care Act (ACA). This FAQ addresses several topics: Special enrollment rules. Preventive services. Qualified small employer health reimbursement arrangements. A summary of the key points from FAQ #35 follows. Special Enrollment Rules Group health plans are subject to…

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The New HSA Under Trump’s Proposed Health Plan
Dec

14

2016

The New HSA Under Trump’s Proposed Health Plan

With the election of a new President, health care plans and the fate of the Affordable Care Act are a hot topic of discussion. As part of his 7-tier health plan, President-Elect Donald Trump has proposed a shift in the way health savings accounts (HSAs) are offered to working Americans. Simply put, an HSA is a savings account for medical expenses. They are tax advantaged…

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Long-Term Care Insurance: Employee Education Makes the Difference
Dec

6

2016

Long-Term Care Insurance: Employee Education Makes the Difference

Most Partners of United Benefit Advisors (UBA) and their clients have benefits enrollment down pat. They know what to communicate to employees, and when. Employees, too, are usually familiar with the process. For example, they know what to expect when they start comparing their medical plan options to their 401(k) contributions. But not all benefits are created equally. Some require more communication, understanding, and detail….

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Employer FYI: Individual Mandate Requirements and Proposed Regulations
Nov

9

2016

Employer FYI: Individual Mandate Requirements and Proposed Regulations

Though employers are not required to educate employees about their individual responsibilities under the Patient Protection and Affordable Care Act (ACA), it is helpful to know about the individual mandate. The individual responsibility requirement (also known as the individual mandate) became effective for most people as of January 1, 2014. Under the individual mandate, most people residing in the U.S. are required to have minimum…

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