Archive for Kainos Blog’ Category

Wealthy vs Financial Fit. Here’s the Difference and Why It Matters | Houston Employee Benefit Consultants
Sep

7

2018

Wealthy vs Financial Fit. Here’s the Difference and Why It Matters | Houston Employee Benefit Consultants

People can be wealthy without being financially fit, meaning they can have a lot of assets or money tied up in assets, but those assets aren’t “liquid.” Let me explain. Say you have a house that has escalated in value in the real estate market. You may have this large asset, but that doesn’t necessarily mean you’re financially comfortable from an income standpoint. You aren’t…

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Final Rule on Short-Term Limited-Duration Insurance | Houston Employee Benefits Agency
Aug

31

2018

Final Rule on Short-Term Limited-Duration Insurance | Houston Employee Benefits Agency

On August 1, 2018, the Internal Revenue Service, the Department of Health and Human Services (HHS), and the Department of Labor (collectively, the Departments) released a final rule that amends the definition of short-term, limited-duration insurance. HHS also released a fact sheet on the final rule. According to the Departments, the final rule will provide consumers with more affordable options for health coverage because they…

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Affordable Care Act Update | Jersey Village Benefit Advisors
Aug

21

2018

Affordable Care Act Update | Jersey Village Benefit Advisors

Recently, the President signed a bill repealing the Affordable Care Act’s Individual Mandate (the tax penalty imposed on individuals who are not enrolled in health insurance). While some are praising this action, there are others who are concerned with its aftermath. So how does this affect you and why should you pay attention to this change? First, as an individual, if you do not carry…

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Trust Equation | Houston Benefits Partners
Aug

14

2018

Trust Equation | Houston Benefits Partners

We are currently living in a low-trust society as a whole — we keep hearing that news is fake, science is fake, and so on. That makes it hard for us to trust anyone and is why we need to work on building trust in the workplace more than ever. Human resources professionals and business leaders have an imperative to instill a culture of trust…

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DOL Updates the Employer CHIP Notice | Houston Employee Benefits
Aug

9

2018

DOL Updates the Employer CHIP Notice | Houston Employee Benefits

The U.S. Department of Labor (DOL) has updated the model notice for employers to use to inform employees about the Children’s Health Insurance Program (CHIP). All employers with group health plans are required to distribute a CHIP notice at least once a year to employees living in certain states. There is no need to send another notice to workers who received the prior version in…

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Ask the Experts: Marijuana and the ADA | Houston Benefits Brokers
Aug

7

2018

Ask the Experts: Marijuana and the ADA | Houston Benefits Brokers

Question: Is medical marijuana use protected by the Americans with Disabilities Act (ADA)? If so, what accommodations would be considered reasonable? Answer: You are not required to accommodate medical marijuana use under the Americans with Disabilities Act (ADA). Even though medical marijuana is legal in many states, under the federal Controlled Substances Act (CSA), marijuana is still illegal. The ADA expressly excludes people who use…

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Preparation Aids Prevention | Houston Benefits Firm
Jul

31

2018

Preparation Aids Prevention | Houston Benefits Firm

  Incidences of workplace violence are becoming more common and are all over the news. It’s not just high-profile headline cases that are a concern—it’s happening on a smaller scale in all kinds of businesses. Threats to workplaces can take many forms, from cyberbullying and workplace harassment to physical altercations and targeted violence. The Occupational Safety and Health Administration (OSHA) estimates that every year nearly…

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