As president of AJM Associates, Karl J. Ruth Jr. works closely with self-insured clients on a continual basis and has been integral in...

A summary plan description, or SPD, is the document that is given to participants and beneficiaries explaining the material terms of an...

Starting January 1, 2019 affordability percentages will increase according to the Internal Revenue Service's Revenue Procedure notice. ...

Under the Affordable Care Act (ACA), there is a provision that limits the portion of premium dollars health insurers may spend on...

In the coming decade, employees will be faced with a new set of opportunities and challenges centered around the so-called "on demand...

Governor Synder signed legislation to repeal the Michigan Health Insurance Claims Tax (HICA), Senate Bills 992-994 with immediate effect...

The Department of Labor (DOL) released a final rule on June 19, 2018 to allow new options for associations to sponsor health plan for...

Insurance isn't sexy! What could be any less exciting than reviewing and looking for health plan options. The fact is that health plan...

The IRS announced on May 21, 2018 the 2019 increase on the shared-responsibility affordability percentage in Revenue Procedure 2018-34....

For self‐funded plans, the self‐insured employer is responsible for submitting the fee and accompanying paperwork to the IRS. Third‐party...

The Department of Labor (DOL) confirmed the final disability claims regulations on January 5, 2018. These regulations are effective for...

On February 20, 2018, the Trump Administration proposed a new regulation to extend short- term medical plans up to just under a full year....

Visiting your primary care doctor at least once a year is essential to keeping your health on the right track. In fact, those who take...