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Employee Benefits Newsletters

Volume 3 Issue 4 April 2013

SKCG

Employee Benefits Newsletter

 April 2013

In this issue:

·PPACA Small Business Insurance Market Delayed A Year

Small business employees will have to wait a year before they can choose their own medical plans after the ... (Click here to read the rest of the article)

·IRS Introduces Nwe W-2 Reporting Requirements

Beginning with the 2013 batch of W-2 forms, the Internal Revenue Service is introducing a new series of reporting requirements ... (Click here to read the rest of the article)

·What Employers Everywhere Need to Know About the New Form I-9

U.S. Citizenship and Immigration Services released a revised version of the I-9 form for general use. Every employer must complete ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2013 Assured SKCG, Inc. All rights reserved.    

 

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Volume 3 Issue 3 March 2013

SKCG

Employee Benefits Newsletter

 March 2013

In this issue:

·Highly Compensated Employees and High Net Worth Individuals Eyeing Insurance to Mitigate Risk of Life's Black Swans

Group personal excess liability insurance is finding fans among highly compensated individuals, their firms' senior executives and other wealthy individuals concerned that their ... (Click here to read the rest of the article)

·Can Employees Save Taxes with a Section 125 Cafeteria Plan?

A cafeteria plan is a list of voluntary fringe benefits an employee can choose from. Generally, these benefits will have ... (Click here to read the rest of the article)

·Employers Responding to the Lure of Private Health Insurance Exchanges

Large companies are increasingly exploring the use of private health insurance exchanges as a means of controlling costs, according to a number of ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2013 Assured SKCG, Inc. All rights reserved.    

 

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Volume 3 Issue 2 February 2013

SKCG

Employee Benefits Newsletter

 February 2013

In this issue:

 

·Important Medicare Changes for 2013

With the advent of the year 2013, the Medicare funding system is affected by two major pieces of legislation: The Patient Protection and the Affordable Care Act, part of which took effect as of January 1; and the ... (Click here to read the rest of the article)

·How to Protect Your Income Against Disability

For most working Americans under about 50, their most valuable asset isn't a house or a retirement plan. It's the ability to continue working and earning a living. In fact, the younger you are, the more critical it is to ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 3 Issue 1 January 2013

SKCG

Employee Benefits Newsletter

 January 2013

In this issue:

·20 States Opting Out of Health Insurance Exchanges. What Now?

Any small business owner who's landed a big sale knows the feeling. The good news is, we got the contract! The bad news is ... (Click here to read the rest of the article)

·How Americans Feel about the Upcoming Health Insurance & Medical Care Changes

Poll results show that the majority of voters think it is important for the government to set health insurance standards. However, they also feel that individuals should ... (Click here to read the rest of the article)

·How Obamacare Will Affect Small Business Owners

Although the Patient Protection and Affordable Care Act passed, many small business owners still do not fully understand all of its implications. Some believe that ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 Issue 12 December 2012

SKCG

Employee Benefits Newsletter

 December 2012

In this issue:

·Employers Increasingly Embracing High-Deductible Health Plans

More and more employers are offering high-deductible health plans, or HDHPs. These are specially-designed major-medical health insurance plans that come with a ... (Click here to read the rest of the article)

·HIPAA Compliance Best Practices

HIPAA has been the law of the land since the mid 1990s; however, too many companies are still struggling with compliance - particularly in the area of ... (Click here to read the rest of the article)

·How Small Businesses Can Use Life Insurance as a Business Asset

Small business owners that have previously borrowed money can attest that actually being capable of repaying the loan is the core of credit worthiness. They can also attest that ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 Issue 11 November 2012

SKCG Group

Employee Benefits Newsletter

 November 2012

In this issue:

·The Benefits of Critical Illness Insurance

Most large organizations have gone through this. A valued employee or family member of an employee is diagnosed with severe ... (Click here to read the rest of the article)

·Tips for Open Enrollment & Switching Plans

Following some large Medicare changes in 2011, newer changes reduced in capacity. With these smaller changes, the period for people paying out of pocket for Part D coverage ... (Click here to read the rest of the article)

·How Insurance Reduces the Cost of Owning a Pet

Treatment options for pets were limited in the past. In the world of modern medicine, they receive cancer treatment, complicated surgeries, and even ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 Issue 10 October 2012

SKCG Group

Employee Benefits Newsletter

 October 2012

In this issue:

·Understanding Medigap Coverage and Its Benefits

Medigap is a private supplemental medical insurance plan. The name covers several different variations of ... (Click here to read the rest of the article)

·Tax Considerations in Disability Insurance

Disability insurance - whether acquired via the workplace or through an individual plan - is a must for working people. This is particularly true for young workers, because ... (Click here to read the rest of the article)

·IRS Confirms W-2 Safe Harbor to Determine Plan Affordability

The employer mandate, effective beginning in 2014, requires employers with 50 or more employees to pay a penalty if certain conditions ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 Issue 9 September 2012

SKCG Group

Employee Benefits Newsletter

 September 2012

In this issue:

·More Employers Plan to Offer Health Care for Foreseeable Future

The number of employers planning to offer health care benefits to active employees for the foreseeable future is increasing, according to a recent survey, despite the ... (Click here to read the rest of the article)

·Understanding How Health Care Reform Affects College Students

By now, most Americans know that President Obama's Patient Protection & Affordable Care Act has been upheld as constitutional, which means healthcare will ... (Click here to read the rest of the article)

·Employer Health Care Costs Will Increase Significantly in the Near Future

A recent survey showed that about 80 percent of employers have expressed their intentions to continue offering health benefits to employees in the near future. Although the projected cost increase ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 issue 8 August 2012

SKCG Group

Employee Benefits Newsletter

 August 2012

In this issue:

·Think Dropping Coverage To Pay The PPACA Penalty Is Cheaper?

Think Again! Many employers have been hearing rumors that it would be cheaper to simply pay the penalty fine for ... (Click here to read the rest of the article)

·Understanding the Medical Loss Ratio & How Rebates Work

Under the Patient Protection and Affordable Care Act, insurers are required to report all MLRs to regulators in order to ... (Click here to read the rest of the article)

·All Health Plans Now Cover Preventive Services

This may mean that there's no reason to put off getting screened for these important treatments. From Healthcare.gov, the federal government's site providing ... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 issue 7 July 2012

SKCG Group

Employee Benefits Newsletter

 July 2012

In this issue:

·Now that Healthcare Reform is Upheld, How does this effect Employers?

In a hotly-contested 5-4 ruling, the Supreme Court upheld the Patient Protection and Affordable Care Act -- though from an unexpected direction: The Court rejected the Administration's argument that... (Click here to read the rest of the article)

·Protecting the Company from 401(k) Liability

We all want to provide a terrific retirement to our workers, consistent with maintaining competiveness. And the enduring popularity of the 401(k) plan is a testament to its... (Click here to read the rest of the article)

·Do Your Employees Appreciate Their Benefits and Make the Correlation to Their Total Compensation?

TIt's just a fact that employers, especially those in highly competitive industries, must have a striking benefits package to remain competitive in attracting and retaining the best... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2 issue 5 May 2012

SKCG Group

Employee Benefits Newsletter

 May 2012

In this issue:

·Is it Better to Self Fund Employee Health Benefits?

Employee health bills are fluctuating because of uncertainty since the passage of Healthcare Reform. Companies are trying to contain the damage by... (Click here to read the rest of the article)

· Want Employee Loyalty? Educate Them!

A recent Harris Interactive Study, commissioned by prominent disability insurance carrier Unum, found that employees who receive frequent and thorough... (Click here to read the rest of the article)

· Small Group Insurance Coverage Basics

Many employers are frustrated because they are under the mistaken impression that they are too small to offer... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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Volume 2, Issue 4 April 2012

SKCG Group

Employee Benefits Newsletter

 April 2012

In this issue:

· Health Plans Tighten Provider Networks to Offer Lower Premiums

A tough economy and ever-climbing health care costs are driving changes to network-based health plans. Employers, seeking more manageable premiums for their health plans, have grown more willing to... (Click here to read the rest of the article)

· When The Economy Improves

Employee job dissatisfaction is running high these days, meaning that, as the economy recovers, they are more likely to... (Click here to read the rest of the article)

· Health Benefit Changes to Expect in the Near Future

Healthcare cost increases are expected in the near future. However, many employers are pursuing measures to improve their employees' health. Recent research shows... (Click here to read the rest of the article)

To learn more about any of the topics in this newsletter, please contact David Parker at 914-761-9000 or via email at dparker@skcg.com

© 2012 SKCG Group, Inc. All rights reserved.    

 

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