HR & Compliance

  • Medicare Part D Disclosures due by March 1, 2015 for Calendar Year Plans by

    Posted on: February 16, 2015Categories: HR & Compliance

    Group health plan sponsors are required to complete an online disclosure form with the Centers for Medicare & Medicaid Services (CMS) on an annual basis and at other select times, indicating whether the plan's prescription drug coverage is creditable or non-creditable. The plan sponsor must complete the online disclosure within 60 days after the beginning of the plan year. For calendar year health plans, the deadline for the annual online disclosure is March 1, 2015. Because March 1, 2015, ...

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  • Health Care Reform: Health Insurance Marketplace Statement by

    Posted on: February 12, 2015Categories: HR & Compliance

    When you buy health insurance coverage in the Marketplace, you may be able to get a premium tax credit (also called a subsidy) that lowers the amount you pay in monthly premiums. Under the Affordable Care Act (ACA), individuals enrolled in Marketplace coverage may be eligible for health premium subsidies if their income falls within a specific range for the number of people in their household. In general, the lower your income is within these ranges, the bigger your credit will be. If you recei ...

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  • Indexed Universal Life Insurance by

    Posted on: February 10, 2015Categories: HR & Compliance

    Many people see life insurance as a simple, straightforward protection policy that pays out a sum to beneficiaries upon the death of the policyholder. At its most basic, this view is correct. However, life insurance can also be a far more dynamic product than other types of loss insurance. To start, there are two main types of life insurance policies: term life, which lasts only for a fixed period of time, and whole life, which is guaranteed to cover the death of the policyholder no matter when ...

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