Predictive Modeling & Small Commercial Insurance Risk AssessmentPredictive modeling is effective as a risk assessment tool in personal insurance, but acceptance in commercial insurance has been relatively slow, even for small commercial. When an insurance carrier...

Leaves of Absence are Risky, Complex for Unprepared Employers One of the most common, complicated situations for employers is how to handle employee leaves of absence. An example that comes to mind.... A couple of years ago, a client called us about an employee who’d...

Are deductions for medical, dental and other insurance pre-tax for our employees? Maybe. Certain insurance deductions can be pre-tax for employees, but only if the employer has a Section 125 Cafeteria Plan in place. A Cafeteria Plan requires a formal signed plan...

How to Help Employees Blend Work and Life Effectively Five years ago, forward-thinking HR executives were thinking about work-life balance and how to help busy, stressed-out employees find enough downtime outside the office. In over two years of Herman Miller...

How the Feds Are Using Data to Right-Size a Massive Real Estate Portfolio Big Government Equals Big Real Estate According to the 2016 summary of findings from the Federal Real Property Profile dataset, the U.S. government has 267,000 buildings in its domestic real...

TelePayroll 401 Retirement Plan SeriesRetirement Planning – Getting Through the MazeStarting a retirement savings plan can be easier than most business owners think. What’s more, there are a number of retirement programs that provide tax advantages to both employers...

An Analysis of The Physician Perspective On Single-Payer Health Care SystemSingle-payer health care is a controversial idea in the U.S., but a majority of physicians now support it, new survey finds.Fifty-six percent of doctors registered either strong support or were...

Flexibility Enhances Core Areas of Wellbeing For many years, Gallup has researched what it takes for people to feel contentment and believe their lives are rewarding. These five universal elements of wellbeing are shared by all people: Career Wellbeing: to have a...

For Abby Walker, Solving Customers’ Problems isn’t a Job, It’s a Calling Abby Walker, a helpful voice on the phone for many Savers Admin clients, feels that helping is more than a job. For her, she said, it’s a calling. “I really do like being able to solve problems,”...

LEXINGTON – It’s a candy factory. Not a movie fantasy like Willy Wonka’s, but a special place nonetheless. The bracing aroma of peppermint pervades the building and clings sweetly to clothes when you leave. Workers in lab coats and hair nets move among gleaming...

Health Policy UpdateNov. 1, 2017 – ACA Open-enrollment Period ApproachesAs of March 2017, about 10.3 million people signed up and paid for coverage on the ACA exchanges. The next enrollment period begins Nov. 1, 2017 and lasts 45 days. HHS officials said there is no...

One-third of Employers Make Costly Payroll Mistakes September 4th – 8th is National Payroll Week—a week that “celebrates the hard work by America's 150 million wage earners and the payroll professionals who pay them.” Did you know that 67% of the annual revenue of the...

Necessities & Health Care – Where U.S. Consumers Spend Their MoneyConsumers spend most of their money on necessities, especially housing and health care. The brick-and-mortar retail industry is in crisis. For many old-line retailers, sales and market share are...

Employers Should Comply Now with ACA Reporting Requirements The ACA May Be Here to Stay Congress made several attempts, but ultimately failed to garner the votes needed to repeal and replace, or even amend the Affordable Care Act. Although President Trump continues to...

How HR Leaders Can Take Small Steps to Begin Utilizing HR Analytics When Drinking from a Fire Hose, Take Small Sips Today, there’s no shortage of talk about Big Data and how to use it to improve all kinds of aspects of a business. Because employee costs are one of the...

ACA Federal Pay Cost-Sharing AnalysisRecent debate over federal payments to insurers under the (ACA) related to cost-sharing reductions for low-income enrollees in the ACA’s marketplaces is alive and well.- The ACA requires insurers to offer plans with reduced patient...