2340 Detroit Ave, 3rd Floor Maumee, OH 43537 | Phone: 419-535-5502

It’s Open Enrollment Time! | Ohio Benefit Advisors

Fall.  With it comes cooler temperatures’, falling leaves, warm seasonal scents like turkey and pumpkin pie, and Open Enrollment.  It goes without saying; employees who understand the effectiveness of their benefits are much more pleased with those packages, happier with their employers, and more engaged in their work. So, as your company gears up for … Continued

President Trump Ends ACA Cost Sharing Reductions | Ohio Benefit Advisors

On the evening of October 12, 2017, President Trump announced that cost sharing reductions for low income Americans in relation to the Patient Protection and Affordable Care Act (ACA) would be stopped. The Department of Health and Human Services (HHS) has confirmed that payments will be stopped immediately. While there is no direct impact to … Continued

3 Ways Life Insurance Can Help Maximize Your Retirement | Ohio Benefit Advisors

If you’re one of the millions of Americans who owns a permanent life insurance policy (or are thinking about getting one!) you’ve probably done it primarily to protect your loved ones. But over time, many of your financial obligations may have ended. That’s when your policy can take on a new life—as a powerful tool … Continued

President Directs Federal Agencies to Consider ACA Changes | Ohio Benefit Advisors

On October 12, 2017, President Trump issued an Executive Order directing the Departments of Labor (DOL), Health and Human Services (HHS), and Treasury to develop new rules to allow some exemptions from the Affordable Care Act (ACA).The Order indicates the Administration’s priorities although it has no immediate effect since any rule changes must first go … Continued

Are you addressing your employee’s financial health? | Ohio Benefit Advisors

The importance of health and wellness in the workplace is more apparent than ever. It’s obvious why healthy individuals make better employees and the positive impact this has on your bottom line. When thinking about building a program to improve the well-being of your employees, don’t forget about the importance of their financial health.In recent … Continued

4 Things You Probably Don’t Know About Your Life Insurance at Work | Ohio Benefit Advisors

For the first time ever, more Americans have employer-provided life insurance (108 million) than have individual life insurance coverage (102 million), according to a new LIMRA study. And while that statistic sounds good, it actually hides a few important facts you should understand.1. There’s more to the stat than meets the eye. When you dig … Continued

Kaminsky & Associates, Inc. launches new mobile friendly website | Ohio Benefit Advisors

We are excited to announce the launch of our new website.  The site has a new long-page format, creating a modern feel that is easy to navigate, with a little local flair!  To check out our new website and learn more about how Kaminsky & Associates can help you with all your employee benefit solutions, … Continued

IRS Roundup: What Employers Need to Know about the Latest ACA Notices | Ohio Benefit Advisors

In spite of the recent efforts by Congress to change or repeal the ACA, its provisions are still in effect. The IRS has issued continuing guidance on the affordability rate for coverage, the employer shared responsibility provisions and reporting, and the individual mandate provision.IRS Released the 2018 Affordability RateThe Internal Revenue Service released its Revenue … Continued

Employer Medicare Part D Notices Are Due Before October 15 | Ohio Benefit Advisors

Are you an employer that offers or provides group health coverage to your workers? Does your health plan cover outpatient prescription drugs—either as a medical claim or through a card system? If so, be sure to distribute your plan’s Medicare Part D notice before October 15. Purpose Medicare began offering “Part D” plans—optional prescription drug … Continued

Emergency vs. Urgent – What’s the Difference in Walk-In Care? | Ohio Benefit Advisors

We’ve all been there – once or twice (or more)—when a child, spouse or family member has had to gain access to healthcare quickly. Whether a fall that requires stitches; a sprained or broken bone; or something more serious, it can be difficult to identify which avenue to take when it comes to walk-in care. … Continued

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