Guaranty Association Benefits Company

Regarding place design work and productivity , there is a wealth of research - and the debate - about this type of office space creates the most productive workforce. All trends aside, working drawings that will have the greatest impact on your small business productivity?

To understand how workplace design can improve the productivity of your workforce, here are four questions you should ask.

It, AOS no secret that owning a business of your own comes with abundant rewards. Suddenly, you, Aore your own boss, you can enjoy flexible hours, you may have an extra income, you have tax advantages, you get to make all the decisions for your business, you have a clean slate for your ideas and implementation, you get to select the location of your business, and many other benefits.

for many people, owning their own business is a dream come true, if so, how you start to do business ? The first step is the business idea. A common assumption among people who want to start a business that is coming up with the idea is the hardest part. However, when you talk to people already in business, they often reveal that the idea was the easy part. Many owners of small businesses didn, AOT realize how difficult it would be to move from the idea of ​​opening the doors. Here are some tips to get you started.

The Obamacare rules are different for small businesses than they are for large employers. Are you up to speed on how the Affordable Care Act (aka Obamacare) impacts small business and employees? Take this short quiz to find Obamacare, then continue reading additional resources

As a small business owner, you probably have a set small arsenal of companies tips to help you save time, money and increase your efficiency. If you feel a little disorganized, do not worry. We have compiled a list of strategies to help you streamline processes , catalog your ideas and master your to-do lists.

There is currently a National ditch on Affordable care Act and it starts to affect the access of some Americans to medical care and their ability to pay their medical bills, which is in complete opposition to what the law is set to perform.

A study by the Commonwealth, residents of Florida and Texas have resisted expand insurance coverage through the Affordable Care Act. The law aims to bridge the historical gaps in Medicaid eligibility for adults, and was designed as a way to expand insurance coverage for low-income people, of the premium tax credits. In this scenario, market coverage serves as a vehicle to cover people with moderate incomes. Conversely, what happens is that Florida and Texas are not opting and report more problems getting adequate care than residents of California and New York, which indicates both the warranty coverage their residents

The attempt balance our professional lives with our family life is a condition that many struggle to achieve. working weeks of 84 hours in the steel 1919 boom in the 40-hour workweek adopted in the mid-60s, even legislative attempts to intervene on behalf of small business owners and employees to achieve 'work-life balance have failed.

Nevertheless, it was the workplace of the 1970s when the stress became problematic. Since then, demand for productivity continued to increase. It is this quest for better performance which brought more and more stress and one-sidedness in the lives of small business owners and their staff

Although we moved from the industrial age and in the digital age. - Where it was designed to work to become more sensitive - the number of cases related to mental stress has increased from 1844 in 1981 to 15 688 in 1999 in California alone. In essence, the quest for work-life balance has not created the fulfillment of its intention.

The term work-life balance has become buzz words in recent years. It seems that everyone wants to do is hit the "balance" perfect between work and personal life. When this happens, they become magically happy, at peace with the world, and will be free of stress. Suddenly you will be a model employee , the employer, your spouse let you, and all obligations in your life will be filled adequately.

The programs workplace wellness tools are popular among employers create happier, healthier and more productive employees. These programs are a form of health benefits for employees ranging from simply providing information to workers, subsidized nutritious breakfasts, fitness education, or a company gym. Employees are the most valuable asset for a company, so that the well-being of importance of programs.

The IRS recently announced health savings account (HSA) rules and requirements for 2016. This article examines the HSA contribution limits, minimum required HDHP deductibles, and out-of-pocket maximums for 2016 set annually by the Internal Revenue Service (IRS).

Today, more than 2.7 million US small businesses do not offer traditional Medicare coverage. The main reasons they do not? Cost. Yet most established small businesses want to offer health benefits to recruit and retain quality employees. Which is why many small businesses are looking for non-traditional approaches to health benefits.

Today it is common for small employers to help employees in their personal health insurance - instead of contributing to a group health insurance policy. In fact, only 54% of small and medium employers (with fewer than 0 employees) offer traditional health insurance coverage.

As employers adopt more and more ways to help employees with health insurance, one approach is to give employees cash for health insurance. Can you do that? Yes. Are there rules to follow? Absolutely.

This article describes four simple rules to consider when giving employees cash for health insurance (or reimburse employees for health insurance). Follow these rules to avoid heavy penalties and costs .

Tip: It goes beyond the employees Recruitment and retention

with more Americans who buy health insurance, the Act affordable care (ACA) has undoubtedly accomplished an important goal: to decrease the number of uninsured.

In fact, the Ministry of Health and Social Services indicates that 16.4 million uninsured people previously purchased health insurance under ACA.

So how was the ACA able to achieve this?

on June 25, the Supreme Court upheld an important provision of Obamacare. The Supreme Court confirmed that the tax subsidies of health insurance continue to be available to both the state and the federal government run health insurance markets.

What has been the case all about and why is it important for small businesses?

Many small enterprises does not offer formal health benefits, but they want help with health insurance costs "employees. Thus, the company gives employees a tax increase or bonus to use toward health care.

gives employees a fixed amount for health insurance even allowed? Yes, as long as the company does not require employees to prove they bought Medicare. There are advantages and disadvantages to this approach?

Under the Affordable Care Act ( "Obamacare"), the tax subsidies for health insurance are available for the majority of individuals and families who do not get insurance through an employer. If an employer offers a minimum level of coverage, employees are disqualified subsidies.

So what about employees who are offered a Section 105 health reimbursement Plan (HRP)? participants in an HRP also excludes subsidies?

As a small owner business, it is likely that you, your family and your employees are covered by individual policies of insurance. Like your network of physicians, the policy is affordable, and you may even be receiving premium tax credits. At the same time, your company is growing and the issue of health benefits is on the table.

It is at this crossroads where many small businesses are wondering how to provide benefits and let employees keep their current coverage. One solution is to use a medical expense reimbursement plan Section 105.

With a new health benefit program employee, employee education is one of the most important factors for success. This is especially true with premium rebate program , because it can be a new way for employees to receive health care benefits.

To help your company implement a premium payment plan, we, AOVE answered ten questions from employees.

Health insurance time renewal is upon us ,? and if you're researching several profitable health plans or research on small business health benefits for the first time, a common question is, "How much does it cost to provide health insurance for employees? "

Small employers may have a pass many large Affordable Care Act ( "Obamacare") provisions - such as employers share the cost of liability -. however, they are not immune to the ever growing compliance and administrative requirements

according to a 2014 survey by the National Small Business Association, small employers spend on average 13 hours or $ 1,274 per month just to keep up with compliance with the Act on the affordable care.

tax strategy is an essential part of any small business plan . Many of the most successful owners of small businesses carefully review the tax code, consult qualified tax experts, and make decisions based on their tax consequences. In recent years, many of these decisions were related to health care in the Affordable Care Act specifically and generally. One particular strategy has attracted the attention of savvy small business owners looking for easy ways to tax to provide health benefits to their employees. This strategy, commonly known as Medicare reimbursement premium, helps companies provide their employees with monthly contributions in real dollars as reimbursement of eligible medical expenses. These repayment contributions offer several specific tax benefits.

The passage of the Affordable Care Act (otherwise known as Obamacare) marked the beginning at a time of all Americans being put in charge of their own health insurance. Those without insurance are now required to purchase it, and some are eligible for government assistance. The real question for small businesses is how Obamacare affect us? For small and medium enterprises, the following facts are important to you.

reform health care has two employees and employers concerned about what is expected and what is to be offered under the affordable care Act, otherwise known as Obamacare. While companies are not required to offer insurance if they have fewer than 50 full-time employees, some choose to keep employees happy and retaining talent choices in competitive industries. If employers with more than 50 employees do not offer insurance, they must pay a penalty tax or fee.

Big changes are come in the next year? the Affordable Care Act puts more mandates in place. Consumers and business owners can expect the full employer mandate to take effect, fines and penalties to increase for people who choose to go without insurance, and higher contribution rate to 50 percent with insurance companies.

With all these changes on the horizon, many small businesses wonder if they have new options that allow them to offer insurance to employees without excessive costs.

Although not forced to offer many small business owners see employer - provided health benefits as an absolute necessity. Current employees appreciate the gesture and take it into consideration when weighing their long-term options, while many potential employees see as a decisive factor when multiple offers are on the table.

Hundreds of different types of benefits are available to workers with different employers. A recent survey from the Society for Human Resource Management, 35% of HR people said their employer offered more benefits in 2015 than in 2014. The survey identifies several benefits of the trends that we should all shows in 2016.

With the implementation of the Obamacare and all mandates and requirements that come with it, it is essential for small business owners to understand how the law applies to them, and how to make the most of available tax credits and grants .

Employers establishment of a health plan must consider both the type of health plan to offer, and how the health plan will be structured. There are two common ways to structure a group health insurance plan: fully insured and self-insured (or self-funded)

So what is the difference between a fully insured health self-assured. plan?

Today, APC and tax professionals are invited to explain complex markets and health insurance regulations, and make decisions on what is best financially for small businesses and individuals. This role has increased in recent years since the Affordable Care Act (ACA) has created new tax opportunities for American businesses and individuals.

If you are currently using or are considering a health benefit reimbursement, which is great! It is customizable profitable benefits, sustainable giving the coverage selection authority to the employee. These cover what your CPA should know the reimbursement of health care.

Every day, I ' hear small business owners about how their health insurance options are limited, time, and cost. In fact, almost half (2.7 million) small businesses do not offer health insurance coverage to their employees today. As a result, small businesses are unable to keep their valuable employees because they do not meet social expectations benefits.

The future, however, seems brighter.

Nationwide, companies adopt a family health insurance funded the employer as a alternative to traditional health benefits of the employer. One of the main reasons for the widespread adoption by small businesses is cost savings. As detailed in a new report, employers using software made cost savings of Zane Benefits 57 percent on average compared to the average group health insurance costs. This article describes the cost of family redemption and trends in employer benefits and the use of health insurance.

The companies assessing individual health insurance funded employer (aka? "defined contribution") often ask how much to offer as an advantage. an advantage of defined contribution employer may determine the amount of contribution to the health of employees. That said, most employers want that they offer employees a range of competitive benefits. So how many other companies provide?

The idea of ​​health care consumerism is nothing new . For years, employees have was invited to take a more active role in their health decisions. But growth in consumer health care has been slow. Until now.

Whether you own a small business or a small business consultant, here is a sentence
we know all too well - the costs of health care are rising. But why? Here is a concise summary of eight key trends driving the rising costs of health insurance in America today.

When asked why health benefits are so important , most small business owners say something like this: "the health benefits are important to my business and employees" it's on site - health benefits are the number one type of employee value. employee benefits. But why exactly are they so important?

With the closure of the third open enrollment period for the Affordable Care Act (ACA) many researchers take a look more closely at the people who buy individual health insurance by the market. The Kaiser Family Foundation has just completed its third round in a series of surveys to examine the experiences of those who put the ACA wisely. While many are pleased with the ACA, the survey revealed some room for improvement.

The insurers across the country require larger individual health insurance t increase in premiums for 2017, citing financial losses under Obamacare. The proposed rate increases vary considerably from state to state. While these increases affect consumers, many will not be significantly affected since the tax credits that are widely available to most participants in the exchange

For those who buy individual health insurance for the first time, the transition may seem daunting. Fortunately, the process is not too complicated. This guide provides useful information on where and when to buy individual health insurance as well as information on factors that could influence the decision of a person to buy a map of the market or not the market.

It can be difficult for any business to decipher the ever -Modification laws of health, especially when it comes to the section on health reimbursement arrangements (HRA). Small businesses tend to be a disadvantage in this area because they work with fewer resources, both human and financial. Fortunately, reimbursement software can help qualified small employers (QSEs) remain in compliance while saving time and money.

Today, Health Reimbursement Arrangement autonomous (HRA) - a HRA not related to group health insurance policy - is largely on compliance with health regulations

But that could change .. If the law on small healthcare companies emergency passes, the health Reimbursement qualified small employers Arrangement (QSEHRA) will join the menu of options for the construction of more benefit

Taxation is there. As you gather your W2, tax returns, and revenue, there is an additional piece of documentation you will need this year - your health information. While most filers will simply check an additional box on Form 1040, some taxpayers will have some steps. What should you do?

Here are five common groups who will report health care on your taxes this year.

Throughout the countries, the costs of health care are poorly small businesses. So much so that only 54% of small businesses offer traditional health care to their workers today. The cost of health care is a huge challenge of small business , leaving desperate homeowners ways to reduce costs while providing a benefit to the health of employees.

Is there a silver lining? Yes. Compared to ten years ago, you have new options to reduce health care costs.

Every so often, things go wrong: your battery car dies and you're late for work, you miss your flight or traffic prevents you from going to an important dinner hour. Sometimes things simply getting in your way and there is nothing you can do. This was the case with many people who were trying to sign individual health insurance before the deadline of February 15.

Last week, the IRS delayed penalties for non compliance health reimbursement arrangements (HRA) and the payment of employer plan until July 1st 2015. However, according to Rep. Charles Boustany (R-AL), this is not enough help for small businesses. What would really help small businesses, said Boustany, is to revive self HRAs. As such, Boustany said he plans on legislation to reintroduce do just that. Here's what you need to know about the current state of the HRA legislation.

Too small business owners recruitment as a chore rather than a pleasure. Why? Well, do a good amount of time and effort. It involves the search for candidates, through CVs and making difficult choices. Yet so few small business owners to remember that recruitment for your small business is nice when done.

Recruitment is a way to broaden your networks, develop your social skills and, of course, bring on talented, amazing new employees to help with your small business success. So what is the best way to recruit? We met four tips to help you.

In a world full of millions of small companies , is it really possible for your company to stand out - to increase above the crowd? You bet it is! You see, there are some key things you can do to stand out from the rest, and I'm here to tell you one of the best ways to do this -. Customers

So grab a cold Coke, a chair and an attentive ear because you're about to become the master of this life hack :. win business and meeting your customers by making part of your family

Under Obamacare, there are now times, you can buy guaranteed-issue individual health insurance coverage.

This article provides an overview of dates and key deadlines for an individual health insurance health coverage during the annual open enrollment period 2015-2016.

for many small businesses, traditional health insurance is out of reach. However, since the Affordable Care Act (ACA) adopted in 2010, the small business owners are reviewing how they offer health benefits. What is driving the change? defined contribution plans.

Yesterday MarketWatch.com presented an article entitled "Say goodbye to the insurance provided by the employer." in the article, Zane Benefits President Rick Lindquist also describes the transition from traditional health insurance to defined contribution plans. Highlights of the article.

March Madness is upon us; the annual sporting event that captivates the nation sends people scurrying to TVs and devices, and inspires healthy competition, teamwork and loyalty. For over three weeks, more than 130 teams will compete for national championships in both tournaments. All games are televised and broadcast online. The question is how many people will watch the games at work

Our estimate is much ?. There are millions of dedicated sports fans or simply excited people to be part of such talented basketball teams in contention for the league title. From the employer's point of view, you want to allow your colleagues to enjoy these cheer events, without compromising productivity.

Sunday, March 29 is mom national Day and Pop business owners. Zane Benefits will mark the occasion by recognizing our valued partners that support small businesses everyday. The mission of Gary Adkins help Mom and Pop business owners succeed.

How did he do? Read the story of Mr. Adkins.

like a hawk watches dedicated mouse rushing, Americans have been keeping an eye on Obamacare (also known as the affordable care Act). Why? Since the introduction of Obamacare in 2010, everyone anxiously waited to see if it is effective or not and what impact this has on our country.

Whether you are in favor of Obamacare or not, it has certainly made a splash in the country's health system. The question is, were the good or bad effects? And more specifically, what are the effects of Obamacare was on income inequality? In this article we will discuss several Results brookings.edu regarding the potential effects of Obamacare on income inequality.

quarterly The Manpower Employment Survey , one of the most trusted surveys of employment in the world, over 18,000 application hiring managers about their hiring plans for the next three months. This identifies the strongest industries and the lowest for hiring the best metropolitan areas to pursue jobs and determine what type of talent managers are seek. Let's take a look at hiring trends for 2015 so far.

A common question? employers setting up a Article 105 Repayment Plan premium is "Can I offer a group health coverage to some employees, and a return of premium regime Section 105 others? " The answer? See

There are many advantages offering health reimbursement plan. Before describing these benefits, we must understand what they are and how they work.

What are the health reimbursement plans?

a health plan reimbursement, or HRP, is a structured repayment plan to reimburse employees for premiums 'insurance to a specified monthly allowance, and also includes unlimited preventive care without cost sharing. In other words, a Refund health plan gives control of the employer of the cost of benefits, while giving employees control over their choice of health plan.

you may not know, but you might be a small business owner with trust issues regarding your employees. You have to think, "No, not me. I fully trust my employees. "And if this is true for some employers, there are many out there who feel they do not trust their employees, but basically they do not do.

So today we will give you an extremely useful hack life. We will show you not only how to trust your employees, but how it will improve your productivity of small businesses by leaps

Note: This article is an excerpt from our eBook, "7 Life Hacks to Empower your small business . "

The following is an excerpt from our resource free, The 20 Greatest Tips recruitment and retention. If you want to download the full resource here.

In a small business, every employee account. Although we do not always have the time or resources to recruitment and fancy retention strategies , we can not afford to hire the right people for our team . Similarly, we can not afford to lose key employees to competitors.