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Top 3 Frequently Asked Questions about Qualified Small Employer Health Reimbursement Arrangements | Ohio Benefit Advisors

On December 13, 2016, President Obama signed the 21st Century Cures Act (Cures Act) into law. The Cures Act provides a method for certain small employers to reimburse individual health coverage premiums up to a dollar limit through HRAs called “Qualified Small Employer Health Reimbursement Arrangements” (QSE HRAs). The provision went into effect on January 1, 2017. On October … Continued

The Perks of Holiday Parties: How They’re Still an Asset to Your Company | Ohio Benefit Advisors

The end of the year is upon us and a majority of companies celebrate with an end-of-year/holiday party.  Although the trend of holiday parties has diminished in recent years, it’s still a good idea to commemorate the year with an office perk like a fun, festive party. BENEFITS OF A YEAR-END CELEBRATIONHoliday staff parties are a … Continued

Are You Ready to Electronically Report Injuries and Illnesses to OSHA? | Ohio Benefit Advisors

December 1, 2017 is the deadline for certain employers to use the Occupational Safety and Health Agency’s (OSHA) Injury Tracking Application (ITA) portal to report information from their 2016 Form 300A regarding employee illnesses and injuries. We previously reported (Breach Forces OSHA to Shut Down Reporting Portal) that OSHA suspended employer reporting through the ITA … Continued

2017 Health Plan Survey Shows Sharp Rise in Group Healthcare Premiums | Ohio Benefit Advisors

I’m happy to report that this year’s UBA Health Plan survey achieved a milestone. For the first time, we surpassed 20,000 health plans entered—20,099 health plans to be exact, which were sponsored by 11,221 employers. What we were able to determine from all this data was that a tumultuous Presidential election likely encouraged many employers … Continued

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

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

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

DOL Guidance for Benefit Plans Impacted by Hurricane Harvey | Ohio Benefit Advisors

The U.S. Department of Labor has issued compliance guidance for benefit plans, employers and employees, and service providers who are impacted by Hurricane Harvey. The guidance generally provides relief from various ERISA requirements and time limits for entities in the disaster area. This follows the Internal Revenue Service (IRS) announcement extending certain filing dates, including … Continued

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