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Insurance

Must we pay premium during unpaid leave?

09/17/2010
Q. I am a small employer with a group medical plan. If an employee takes an approved unpaid leave of absence, am I required to continue my premium subsidy during the unpaid leave? We have 22 employees and aren’t required to comply with FMLA.

Must we provide health insurance coverage for employees’ adult children?

09/16/2010
Q. How does the new health care reform law affect coverage for adult dependent children under a group health plan?

Cutting health care costs: The 3-legged stool

09/07/2010

As premiums continue to rise and reforms have added new complexity (and looming new costs), the C-Suite is pushing HR for solutions. With insurance plan renewals fast approaching for many employers, there’s even more urgency. Reducing employers’ health insurance burden requires balancing three strategies: cost shifting, cost reduction and plan changes.

When must we announce new benefit terms?

08/27/2010
Q. Currently, our company pays 70% of employees’ health insurance premiums. Now we need to either decrease the percentage or possibly ask employees to pay the entire premium. How much notice must we give employees before making such a change?

Health care reform: U.S. employees dazed and confused about the new law

08/27/2010
If you’re still not exactly sure what’s in the massive new health reform law, you’re not alone. A Harris Interactive survey gave 2,100 adults a list of 18 reform items and asked people to identify which were actually included in the new law. Only four items were correctly identified by the majority of respondents.

Health care reform: Mark your calendar with these milestones

08/24/2010
When President Obama signed health care reform legislation in March, the clock started ticking on a series of changes that HR professionals will be dealing with for at least the next eight years. Here’s your timeline of what to expect.

What are the rules for flexible spending accounts under the new health reform law?

08/18/2010
Q. How do the Patient Protection and Affordable Care Act of 2010 and the Health Care and Education Tax Credits Reconciliation Act of 2010 (collectively known as the PPACA) affect health flexible spending accounts?

Does your wellness program clash with new genetic bias law?

08/17/2010
Approximately 70% of employers sponsor wellness programs designed to drive down health care costs, reduce absenteeism and promote better employee health. But now, the Genetic Information Nondiscrimination Act has muddied the wellness waters. Learn how to comply while still offering incentives for employees to participate in your wellness program.

Understanding the new ‘grandfathering’ rules

08/13/2010
Group health plans that were in effect when the health care reform law was signed can earn “grandfather” status. That means they only have to comply with some of the market reforms. But employers can lose grandfather status if they change insurance carriers or “substantially increase” out-of-pocket costs for employees. Here are seven changes that could imperil grandfathered status.

Feds will go easy on health-law mistakes–for now

08/09/2010
The regulations explaining the new health care reform law have begun to roll out of Washington. Michael Aitken, SHRM’s director of government affairs, says employers will make mistakes but the IRS, Department of Labor and HHS are expected to be understanding—at least for a while.