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More Lawsuits Want Pay for Work Done before, after Clocking in

For years there’s been a debate in the manufacturing, farming, mining and like industries about the merits of paying employees for the time they spend putting on and removing work clothes and protective gear before and after their shifts. Individual and class-action lawsuits have been filed by employees seeking pay for the time they spend

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State Compensation Insurance Fund to Drop Its Group Programs

State Compensation Insurance Fund of California (State Fund) will discontinue all of its group insurance programs. The state’s largest insurer will start phasing out the programs and stop renewing group agreements in April 2015. At the same time, the applicable group discounts will be eliminated for all policies April 1, 2015. Groups have allowed like

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Backlash as Concern Grows over EEOC Targeting Wellness Plans

A backlash is building against the Equal Employment Opportunity Commission’s recent moves to challenge certain workplace wellness programs offered by large U.S. employers. The EEOC’s actions are threatening to erode backing for the Affordable Care Act among large corporations who have supported the law because it included provisions encouraging the wellness programs. Employers are pleading

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Get a Head Start on 2015 with This Prep Sheet

OPEN ENROLLMENT can be a stressful experience if you don’t plan ahead. The stakes for pulling off a successful enrollment push are even higher now amid the changing landscape that’s been brought on by the Affordable Care Act. With all of the new requirements, including minimum levels of coverage, employers are also gravitating towards products

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Keeping it Safe and Limiting Liability during the Holidays

With year-end festivities about to begin, you should include safety into your holiday plans, be that if you are simply decorating the office or throwing a party for your staff. Since the holiday season or your party is only once a year, it’s easy to overlook safety even though you already incorporate it into the

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Closed Claims and Adjustments to Your X-Mod

So, you have a workers’ comp claim that’s been growing in terms of costs for the last two years, and finally it has closed. You’ve been fretting about its impact on your experience modification factor (X-Mod), so now that it’s closed, what happens? Under the Closed Claims rule of the Workers’ Compensation Insurance Rating Bureau,

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Rising Danger of Hacks Spurs Need for Comprehensive Strategies

The “root cause” of the credit and debit card data breach at Target Corp. last year was the company’s lack of a chief information security officer (CISO). That’s according to a former Target manager who made the comment during a talk at the “Work-Bench Enterprise Security Summit,” according to press reports. The news came in

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Rising Danger of Hacks Spurs Need for Comprehensive Strategies

The “root cause” of the credit and debit card data breach at Target Corp. last year was the company’s lack of a chief information security officer (CISO). That’s according to a former Target manager who made the comment during a talk at the “Work-Bench Enterprise Security Summit,” according to press reports. The news came in

Read More »
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ACA Age-banded Rating Explained

An important change you may have noticed this year is that your group health plan has dozens of age-banded rates. This new rating structure is a result of the Affordable Care Act, which bars insurers from charging individuals who are 64 or older more than three times the amount that they charge individuals who are

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Health Plans That Fail Minimum Value Test Get One-year Reprieve

The IRS has announced that group health plans that don’t provide hospital coverage do not satisfy the Affordable Care Act’s “minimum value” test, but they will be approved for use in the 2015 policy year. The IRS announcement put to an end concern and confusion over why a benefits calculator on the IRS website approved

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