Guaranty Association Benefits Company

Recently, the House of Representatives passed in unanimously on Small Business Act Healthcare relief, 2016 (SBHRA). The SBHRA intends to give small businesses the ability to pay their employees for the costs of health care out of pocket without being penalized. If SBHRA passes the Senate and is signed into law, the number of small companies that offer health insurance will likely fall.

telling It seems that every week a new article is published you why you should care to about employee retention. If you run a small business with a human resources department even smaller when would you have time to create an employee retention program

There is good news for entrepreneurs with growing businesses he should not be rocket science. Here are some simple things you can do to provide a meaningful experience for your employees -. And why you can not afford not to think about your employee retention strategy

Last week, Kaiser Family Foundation (KFF) has published a survey on 'public opinion on the case king v Burwell -. a case that could have a significant impact on the Affordable Care Act. Although the impact of this case could be huge, many are confused about the ACA legislation and its future.

How many people are aware of this potentially game changing the decision of the Supreme Court? Here is a summary of what the survey found KFF

If you think the small business economy is tanking, you're not alone. This is a common thought. However, a recent study found the opposite - that 38% of small business owners plan to hire and those diet 46 percent hiring six employees. As such, Wasp Barcode Technologies conducted a survey to give small business owners a good idea of ​​what the economy of the small 2015 companies can be. This article is a brief summary of some of the results.

The study by Wasp Barcode Technologies involved 1088 respondents. Eighty-seven percent of participants have headquarters in the US, and 100 percent are involved in making decision for their business.

as dentists are considering starting their own practice, there are many questions as to what the best way to is doing. And after putting in many years of hard work, it is important for dentists to understand the basics of starting a Dental .

Small and medium businesses are an important driving force in the US economy. And although more than half of some 7.4 million employers in the country have fewer than 0 employees, did you know 2.7 million small and medium businesses do not offer health insurance?

This alarming statistic begs the question: If you are worried that over a third of small and medium enterprises not offer employees health insurance? It is definitely something you should be aware of as a small business owner. In this article, we will discuss why many small businesses do not offer health insurance and what is the solution.

The promotion of employees to management positions is exciting for you and your employees. Many times, you get to see from your small business to an entry-level position and work their way up. But, have you ever thought to employees that you are promoting to help run your business? Have you ever wondered what is the best way to promote an employee and whether they are really the best for the job?

The truth is, there's never any way to be 100 percent positive that employees will promote you to the best leadership. However, there are guidelines you can follow to minimize risk and help you promote the right employees for the right positions.

Even the smallest business, employee administration benefits can be very complex and lengthy. Understand the considerations involved in the administration of benefits will help you decide if you need to manage the administration on your own, or outsource all or part of it. . This guide "101" helps you walk through how to administer the benefits to your small business

Obamacare is back to the Supreme Court.

This time, the Supreme Court hears King vs Burwell who questions the legality of premium tax credits offered by the federal government -run health insurance markets. Last week, the Supreme Court began hearing arguments, which means that all eyes are on this new challenge to the Affordable Care Act.

This paper summarizes what you need to know about Obamacare and the latest hearings of the Supreme Court.

Telecommuting is becoming more common among small businesses and large enterprises alike. According to the US Census Bureau, an estimated 20 to 30 million people work at home at least one day a week.

When providing care benefits employee health of your clinical vision , you provide the ability to acquire quality care for their needs and the needs of their families.

to make health and medical coverage for your employees a priority, it allows you to recruit people to value and preserve your employment. It is in fact one of the most powerful factors of attraction for potential employees, and yet 49 percent of small businesses say they can not attract and retain the best competitive advantages without quality employees ( entrepreneur.com ). Failing to provide health care benefits can prove to be a costly business decision, because it can drive the best potential candidates and current employees who leave for companies that can offer them more.

Over the past five years, more Americans have acquired the insurance as the previous four decades. The Department of Health and Human Services recently released information about the insured population, indicating that 16.4 million uninsured people previously bought Medicare under the Affordable Care Act. Many more people now have the coverage of quality health care, when they went without nothing for long periods of time. So why has the uninsured rate dropped so dramatically?

29th March celebrates National Mom and Pop day business owners. In honor of all small businesses owners, this article provides an overview of health care options and how they can be beneficial for small businesses.

Like a madman Cube puzzle Rubik, health care is often as another language for small business owners. But should it be? Definitely not. And although many small business owners feel more confused with new laws and regulations from the Affordable Care Act (ACA) entered into force, the truth is, it is not as daunting as you might think.

to help decode health care options for your small business, this article outlines five options you have and how they can benefit your small business.

Whether you own your business for 25 year or six months, the benefits are a large part of what you and your company represent. In fact, many companies are known for the benefits they offer their employees. The question is, will you be known for great or less than adequate benefits?

In this article, we'll let you in on life hacks to help small business owners like you become known for great benefits - those that really help recruit and retain top talent.

Have you ever feel that your workplace is curiously thinking about your old high school days? The backstabbing gossip, passive-aggressive behavior, cliques? Bullying in schools has been a topic relevant to the end, and unfortunately it is alive and well in the workplace, too. Workplace bullying is detrimental to your business , your customers, and the well-being of your employees emotionally. Whether you are a business owner or employee, a large end of the small business is to identify bullying and then take appropriate action to end it.

When your business is growing rapidly, your rent changes too. Gone are the days where everyone in society has a seat at the table to interview a candidate. If fact, as CEO or owner, you can not meet each candidate to share the history, vision and major objectives of the company before being hired. Instead, you entrust the hiring process your managers and members of the HR team. You build process on board and to retain employees effectively and coherently .

When you think of the notion of retirement do you think will be in the workplace and contribute to productivity , right? You may be thinking to achieve your advanced years and focusing on aspects of life other than work, for example, family, hobbies and volunteer work. However, Americans are at a tipping point: most people will continue to work after retirement - and often new and different ways of those they have before

When small enterprises interact with large companies, they make changes that improve their organizational structures, management practices and operations. These changes lead smaller firms to upgrade their technology, increase efficiency, and above all, become financially stable. As a result, income is becoming more coherent, enabling these companies to add new jobs .

In the past, the only way to pay for your health insurance premiums were your employer, direct deposit, or by sending a check to the insurance company. But now, the largest publicly managed health plan in the nation, LA covered care is allowing customers who do not have traditional bank accounts to pay their health insurance premiums with money.

While the Great Recession seems a thing of the last, the small business owners still recovering. And while optimism is increasing, the owners say top challenges small businesses for 2015 are financial security, recruiting quality employees, providing the benefits of employees want, and creating a competitive advantage.

Section 105 medical reimbursement plans, such as healthcare repayment plans offers employers a way to reimburse employees for individual health insurance.

The use of a tax-free repayment plan helps a company save on taxes, manage costs, and achieve compliance. For example, companies now give employees money for health insurance adopt formal repayment plans to avoid further sanctions, beginning July 1, 2015.

wondering what a medical reimbursement sample map look like?

This paper presents a sampling plan design for a Medical Reimbursement Plan Section 105

Regarding the health benefits, cost control has become a major challenge for small non-profit organizations. Each year, the management teams are faced with difficult budgetary decisions to health insurance renewal time: increase the budget again, reduce coverage, modify health benefits, or cancel the benefits. These are difficult to have conversations. Nonprofits need quality health benefits to attract and retain employees, but with affordable and controllable costs.

there a few minutes, the the Supreme Court ruled 6-3 for ObamaCare in king v Burwell . The decision confirms the health insurance market in all states can offer tax credits on contributions to individual policyholders.

This decision is a great victory for small business owners and employees across the country. Since the passage of ObamaCare , small businesses have saved up to 60 percent by giving money to employees to buy their own personal plans directly from the companies' insurance.

Under the affordable care Act, employers using employer payment plan face penalties of up to $ 100 per day per employee.

Many business owners and insurance advisors are, however, unaware of is a repayment plan that meets the requirements the affordable care Act and still allows reimbursement of individual health insurance. It is called a health care reimbursement scheme (HRP) and is different from an employer payment plan.

How? Why? Let's take a look.

Congress will provide relief as expected to the health insurance professionals who do business on the health insurance exchanges in the affordable care Act? A new bill (S. 1653) are to standardize the rules between brokers and browsers. A summary of the proposed legislation broker.

Making the decision to offer health benefits requires careful consideration. For small dental practices, knowing where to start can be a challenge.

Last week, we wrote an article featured on DentistryIQ discuss health benefit options used for small dental offices.

When the Affordable Care Act (ACA) was enacted in 2010, economists and industry experts began to predict a massive change of health insurance to employer-sponsored individual health insurance.

Fast forward to 2015 and the ACA dust has settled. So what are the industry experts now say on the future of health insurance sponsored by employers? Here is an overview of the latest analysis on industry of health insurance .

This is tough to swallow statistics: 0 percent of employers face health plan premium increases, with almost a quarter (23 percent) of employers see rate increases in the double digits. As a result, employers are taking tough decisions on how to provide competitive advantages while controlling costs. This is according to 2015 Arthur J. Gallagher & Co. (Gallagher) Benefits Strategy Survey and Benchmarking.

With Care Act affordable (ACA or Obamacare ) now in full force, employers and health insurance advisors are adapting to a "new normal". and while 2014 and 2015 were the years of new rules and regulations, 2016 will be the year of compliance and reporting.

As employers prepare for the coming year, here are four compliance issues Obamacare you should not ignore.

Traditionally, health insurance was a challenge for small businesses. In the changing market today, however, there are promising alternatives. An alternative industry buzz winner is the individual health insurance funded by the employer; where the company repays the premiums instead of paying them.

Although more Americans than ever a health insurance companies are tiring of cost and hassle required to provide to employees. As a small business owner, you are given the task of finding the balance between keeping your employees happy and make money every month yet. With the passage of the Affordable Care Act, all Americans are facing increased health care costs and insurance premiums and fines that are difficult to pay. How your business can turn these changes into a winning solution for you and your employees?

tables and graphs are useful tools, but often they are not enough to fully understand the complexities of health care and medical insurance. Regarding the tax bonus credit that many small business employees are eligible, they need all available details - and simple explanations - about

• How does the credit tax on bonuses
• Who is eligible
• How to apply
• the role of employers

With the ongoing changes and complexities of insurance as rampant as ever, navigation support your small business' health insurance for employees can be disconcerting. One mistake and your well-meaning company may have a very expensive problem on its hands.

In July this year, the government quite clear that plans for the payment of employer are subject to penalties of up to $ 100 per employee per day. It was at $ 36,500 per year per employee

Fortunately, ensure compliance with the federal Affordable Care Act is a relatively straightforward process - .. As long as your small business remains informed and reacts accordingly

From television stories to articles on Internet and simple word of mouth misconceptions and lies Muddy water company's small health insurance plans on a regular basis. With due diligence in mind, small businesses are weeding myths and focusing on what is possible for employers and their teams

Since the deployment of the Affordable Care Act (ACA), often called Obamacare, it has been much confusion and frustration on the part of small businesses. Perhaps one of the most frustrating aspects of the law was written by the IRS rule that eliminates the ability of an employer to reimburse employees for health insurance purchased in the individual market (although this rule not be included in the CBA).

flexible hours, exciting work, and family atmosphere are among the many positive points of working in a small business. However, the recruitment and retention game changer continues to be the ability to offer health benefits.

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Tax season is in full swing. As a business owner, it is smart to evaluate all tax write offs, deductions and credits available. So what about health insurance? the costs of health insurance can be a tax deduction? In some cases, yes. In this article we will summarize the various tax advantages for small insurance companies scenarios.

Regarding offer health care to employees, many small nonprofits feel like they do not have affordable options. Although nonprofit want to take care of their employees, many organizations are unable to afford traditional insurance group health or do not meet the minimum requirements for participation. In fact, a recent report by the Department of Health and Human Services found that 47 percent of non-profit organizations with fewer than 50 employees offer employees a health insurance coverage today.

For small business owners and employees, the Act affordable care (aka Obamacare) brings a lot of advantages and disadvantages. For example, while Obamacare mandated many positive changes in the individual market health insurance, many consumers have difficulty understanding the coverage, networks and costs. Consequently, they are struggling to make informed purchases. A final rule published by the government in February aims to meet these common challenges.

We write a lot about the trends of benefits and how to provide a great work benefits on a small business budget. Yes, there are lists of the best types of benefits, but what it really comes to offer cost-effective benefits that help recruit your unique business and retain key employees. It is to provide benefits that will have a positive return on your investment.

So how do you track and measure what the value of employee work benefits?

A simple powerful tactic is to ask employees through surveys - then listen and take action. The steps are simple.

in the workforce steadily evolution of today, companies are moving away from a one -size-fits-all approach health care and offering different types of health reimbursement accounts to suit individual needs. With the consumerization benefits employees receive personalized services while the company more profitable benefits. Yet the advantages of a health benefits program is not fully realized if employees do not understand what the benefits are and how they work.

The number of sponsored pension the employer continues to decline, the responsibility for saving for retirement was left only to employees. As a facet of employee retention strategy, many employers envelop Plans "correspondents" or profit sharing programs in their benefits program.

But even with help to save for retirement, the average American worker is still finding it difficult. So many people have questions about retirement: "How can I start a retirement account? How much should I save? "Adding financial education to your employee retention strategy can help employees to answer these difficult questions and can help companies avoid the cost of losing an employee.

Forget the size of salaries and accounts banking. Wealth management is to everyone, and your employees want to make informed decisions on the benefits and retirement. retirement planning accounts for a variety of potential future expenses, such as food, housing and health care, but the relationship between health benefits and pension benefits may be deeper than the estimated medical costs.

With the fourth open enrollment season for the affordable care Act (ACA) to come up, market insurers are doing their best to estimate health insurance costs for 2017. While some projections were more accurate than others, most insurance companies have suffered widespread losses since entering the market, leading to discussions of how to increase revenues.

Since Affordable Care Act passing in 2010, there have been many legal issues surrounding interpretation of the law. Recently, the latest challenge to the ACA focuses on whether residents of states that are not established their own insurance exchanges are eligible for premium tax credits. RAND Corp., a group of non-partisan think tank, recently wrote a report on the matter and the decision of the Supreme Court newly established King v. Burwell.

This is a summary of their conclusions, forecasts, and how 9.6 million people could lose their individual health insurance.

As a small business owner, you or one of your employees are in charge of human resources (HR). And with so many regulations and compliance issues, you are probably wondering if your constantly small business is consistent HR. So to help you, we have developed a checklist for compliance HR important that you must know that will save you time and money -. And protect you from legal issues

Some of these human resource issues are the ones you are aware, and others are issues that are increasingly important as regulations evolve over time.

The health benefits are a big part of your small business. You offer them or not will have a lasting effect on your company's future. Knowing this, if you feel defeated by the options Benefits to health, we are here to help you make a quick decision smart. We'll help you understand why reimbursement of individual health insurance is the best option for your small business, and explain the many benefits of this type of benefit plan social health.

After months of pressure from Senate Democrats, academics and is preparing to tax give individuals a chance to get coverage at the same time they file taxes, the deadline for open enrollment was extended once again. Individuals can now register for the plans through HealthCare.gov to April to avoid tax penalties for not having coverage in 2015.

While the deadline for open enrollment was extended until 22 , it was further extended to April. And as many are scrambling to obtain health coverage, others are just learning that they can be one of the 800,000 people who may be receiving too much or too little tax credits as bonus they signed up for health insurance coverage.

This article covers the details of the new deadline for open enrollment and why it has been extended, the error made on more than 800,000 tax returns, and how these events affect you .

Millennium: The generation that needs to grow, stop texting, and needs a trophy for everything they do, right? At least that many people think of them. However, it is actually incorrect. In fact, a recent IBM survey shows millennials are a better generation of the workforce with higher values ​​and work ethics than many thought. Knowing this, if you are wondering how to hire millennials for your small business , we have everything you need to feel confident.