Common Pitfalls to Avoid With Your High Deductible Health Plan

Benefits Plans, Employee Benefits, Health Plans, HDHPs

Employers looking to decrease their healthcare costs often rely on workforce adoption of High Deductible Health Plans (HDHPs), which offer both employers and employees lower premiums. Unfortunately, this strategy doesn’t always work out if enrollment in HDHPs (assuming employees are given a choice) fall short of forecasts.

by Chris Freitas

Kids and Body Image

Wellness, Body Image,

Growing up can be tough. The challenges of school, relationships with friends, sports and other activities can be stressful for children. Peer pressure, along with what they see and hear daily via social media, TV, movies and video games, can cause them to stress out about how they look. Comparing themselves with their friends—or, worse, with supermodels, movie stars, or pro athletes—can then lead to a negative body image.

by Mike Radakovich

Identity Theft

Custom Content, Identity Theft

Recently, the “Happiest Place on Earth” wasn’t living up to its name for many families. For almost a full year, malicious software had been installed on point-of-sale systems at several Earl Enterprises restaurants. This software then captured debit and credit card numbers, expiration dates, and cardholder names of users purchasing food at these venues. Identity theft has become too commonplace in our day and age and we need to become better educated on where we are most likely to encounter threats as well as ways to avoid becoming victims.

by Chris Freitas

ASK THE EXPERTS: OVERTIME AND PAID TIME OFF

Human Resources, PTO

Question: Should we include holidays, PTO, vacation, or other leave taken during the workweek in calculating overtime premium pay under FLSA rules?

by Chris Freitas

HSA vs. HRA: Which is Better?

Employee Benefits, Health Plans, HRA, HSA

Let’s face it, healthcare has become a major expense for everyone in this country. To help offset a portion of this costly burden for employees, employers typically offer two very popular tax-advantaged savings accounts: HSAs and HRAs. But what’s the difference between these two healthcare savings plans and which is better for your employees and your company?

by Mike Radakovich

Leaves of Absence - Do Employers Need to Provide Health Insurance During These Times?

FMLA, Health Insurance, Leave of Absence

Employees who take qualifying leaves of absence are provided multiple protections by way of the Family and Medical Leave Act (FMLA) and the Uniformed Services Employment and Reemployment Act (USERRA).

by Chris Freitas

The Pros and Cons of High Deductible Health Plans (HDHPs)

Blog, Health Insurance, Health Plans

In the 1990’s, getting decent health insurance through your employer wasn’t unheard of — it was assumed. But back then, healthcare wasn’t nearly as expensive; rates have increased every year for nearly two decades and it’s unlikely they’ll slow down anytime soon.

by Chris Freitas

Ask the Experts: Executive-Only Medical Plans

Benefits Plans, COBRA, Human Resources, IRS

Question: Our company offers group medical and dental plans for all employees. We also have an executive-only medical plan that covers out-of-pocket expenses that the regular group plan does not pay. Does COBRA apply to the executive-only plan? Do we have to include it in our summary plan description (SPD)?

by Mike Radakovich

Ask the Experts: Taxability of Reimbursements for Mileage

IRS, Taxes

Question: Are amounts an employer reimburses employees for mileage taxable?

by Mike Radakovich

Gig Economy 101

Gig Economy, Human Resources

By now you’ve heard of the term “gig economy” but you may not know what it means. Is it describing the economy of musicians as they work gigs? Does it mean something about computers and the measurement of space allotted for their programs? Does it have something to do with fishing? Well, not exactly. But, have no fear! We will break this term down into easy bites and you’ll be an expert on the gig economy in no time.

by Chris Freitas