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Cadillac Tax Repeal - Passed House On To Senate
Late Wednesday (July 17th) House lawmakers passed legislation to repeal the Cadillac tax, the Affordable Care Act's tax on high-cost...
Karl J. Ruth Jr.
Jul 19, 20192 min read


Lowest Unemployment in Decades
Job figures continued to rise in April, officially bringing unemployment to its lowest in 50 years—3.6%, according to the Bureau of Labor...
Karl J. Ruth Jr.
Jul 18, 20191 min read


HRAs To Be Used On Individual Coverage
The U.S. Department of the Treasury, Labor, and Health and Human Services (tri-agencies) issued a final ruling on June 12, 2019 allowing...
Karl J. Ruth Jr.
Jun 24, 20191 min read


Blue of Michigan Changes Dental Benefits Administrator
Effective November 1, 2019, Blue Cross Blue Shield of Michigan will be entering into a new partnership with DentalQuest as their dental...
Karl J. Ruth Jr.
Jun 18, 20191 min read


2020 Health Savings Account Limits
Revenue Procedure 2019-25 was issued by the IRS on May 28, 2019 setting new dollar limitations for Health Savings Accounts (HSAs) and...
Karl J. Ruth Jr.
Jun 7, 20191 min read


What's Next! - Medicare Coverage Rules
As more and more older Americans stay in the workforce, employers may have questions about how employees’ Medicare entitlement impacts...
Karl J. Ruth Jr.
Apr 17, 20194 min read


Employee Benefits Can Save On Taxes
Companies have until April 15, 2019 to submit corporate tax returns for income received in 2018. Businesses may use Form 1120 or request...
Karl J. Ruth Jr.
Mar 28, 20192 min read


CMS Extends Transitional Health Plans....AGAIN
The Centers for Medicare & Medicaid Services (CMS) has once again allowed insurers and states to renew so-called transitional health...
Karl J. Ruth Jr.
Mar 26, 20192 min read


DOL Proposes New Overtime Rule
On March 7, 2017, the Department of Labor (DOL) proposed an increase in the salary-level threshold for white-collar exemptions from...
Karl J. Ruth Jr.
Mar 11, 20192 min read


Told your Account Manager is Changing Again?
As employers who provide group health care coverage to their employees know, the agency in which they place their insurance through plays...
Karl J. Ruth Jr.
Mar 4, 20193 min read


Form 5500 Requirement – Due 7/31/19 for Plans on Calendar Year
Does your group #healthcare plan have 100 or more "participants" at the beginning of the plan year? If so a Form 5500 filing requirement...
Karl J. Ruth Jr.
Feb 21, 20192 min read


Michigan Paid Medical Leave Act
In September of 2018, the Michigan Legislature voted on and approved a ballot initiative, known as the Earned Sick Time Act (“ESTA”) – a...
Karl J. Ruth Jr.
Feb 19, 20193 min read


Compliance Overview
Employers that sponsor group health plans should provide certain benefit notices in connection with their plan's Open Enrollment periods....
Karl J. Ruth Jr.
Feb 5, 20192 min read


2019 State Disability Insurance (SDI) Schedules
Does Your State Provide SDI? In the United States, there are several states and one commonwealth that provide statutory disability...
Karl J. Ruth Jr.
Jan 8, 20193 min read


ACA Compliance Checklist - 2019
HIGHLIGHTS: CHANGES FOR 2019 Certain percentages and dollar amounts have changed for 2019: Cost-sharing limits Coverage affordability...
Karl J. Ruth Jr.
Dec 12, 201813 min read


What Every HR Needs To Know - ACA Reporting 2019
The end of the year 2018 is fast approaching, which means that for every Human Resource department, ACA Compliance should be on their...
Karl J. Ruth Jr.
Nov 29, 20183 min read


Protection and Flexibility: The Financial Advantages of a Life Insurance Policy
Life insurance is usually considered a financial safety net, a one-time payout designed to protect your family’s financial future. That’s...
Karl J. Ruth Jr.
Nov 21, 20183 min read


MAX your Pre-Tax
On November 15, 2018 the IRS announced an increase to the allowable Flexible Spending Account (FSA) Contribution for 2019 (Revenue...
Karl J. Ruth Jr.
Nov 16, 20182 min read


IRS Increases PCORI Fee
The IRS announced an update to the Patient-Centered Outcomes Research Institute (PCORI) Fee in Notice 2018-85. The new fee for plans...
Karl J. Ruth Jr.
Nov 6, 20183 min read


Expanding HRAs
On October 23, 2018 the Department of Labor (DOL) and Department of Health and Human Services, in collaboration with the Internal Revenue...
Karl J. Ruth Jr.
Oct 26, 20183 min read
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