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Smart Phones and Overtime

February 25, 2016 by The Insurance 411Leave a Comment

smarts phones

A survey of employed email users finds: 22% are expected to respond to work email when they’re not at work. 50% check work email on the weekends. 46% check work email on sick days. 34% check work email while on vacation. Source: Mother Jones In several cases, non-exempt employees have sued their employers for unpaid...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

How Pharmacy Benefit Managers Help You Control Drug Costs

January 2, 2016 by The Insurance 411Leave a Comment

Prescription Drug Plan Management

In October 2015 we discussed some of the forces driving prescription costs up and gave some pointers on what employers can do to control employee prescription drug costs. Here’s a brief overview of how pharmacy benefit managers (PBMs) help in that process. Your PBM plays an important role in helping control employee drug expenses. PBMs...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

Which Health Plan Applies?

December 26, 2015 by The Insurance 411Leave a Comment

Coordination of Benefits

When your employees are covered by more than one health plan, you’ll want to know which plan is “primary” — insurance jargon for the one that pays claims first. Here’s some guidance. Let’s consider two situations where dual — and dueling — coverage might occur. They both involve someone covered by two plans, but in...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

How to Avoid Common (and Costly) Immigration Mistakes

December 2, 2015 by The Insurance 411Leave a Comment

Immigration

When it comes to complying with provisions of the Immigration Reform and Control Act (IRCA), you may find yourself forced into two roles seemingly at odds with each other — verifying the employment of every employee while at the same time avoiding discriminatory practices. To help you walk the tightrope, here are nine common IRCA...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

Keys to a Smooth Open Enrollment

September 19, 2015 by The Insurance 411Leave a Comment

Open Enrollment

Open enrollment can overwhelm even the most seasoned benefits manager. But the time when employees can make changes to their benefits plans doesn’t have to be a time of stress. Open enrollment for individual health plans begins on November 1 for plans that start on January 1, 2016. However, small businesses can enroll in Small...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

Coming to a City Near You: Mandated Sick Leave Benefits

September 1, 2015 by The Insurance 411Leave a Comment

Mandatory sick leave benefits

More employers provide paid vacation time than paid sick leave time: 58 percent versus 52 percent, found a survey by the Society for Human Resource Management. Forty-one percent provided paid time off (a combination of vacation time, paid sick leave and general paid time off). California became the first state to require employers to provide...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

Title VII Non-discrimination Protections Apply to LBGTQ Individuals

August 24, 2015 by The Insurance 411Leave a Comment

VGBT

The EEOC has concluded “sexual orientation is inherently a ‘sex-based consideration’ and an allegation of discrimination based on sexual orientation is necessarily an allegation of sex discrimination under Title VII.” Translation: Title VII nondiscrimination protections apply to people who identify as lesbian, gay, bisexual, transgender and queer. No federal law expressly bars discrimination against people...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits   •  Most Popular   •  Recommended Articles

A Bitter Pill: The High Cost of Specialty Drugs

August 22, 2015 by The Insurance 411Leave a Comment

Drug Costs

The good news: Pharmaceutical companies are developing a range of drugs to treat diseases that are chronic and/or rare. The bad news: Their high (some might say outrageous) cost. Overall, prescription drug prices rose 12 percent in 2014. Sales of specialty drugs contributed greatly to the jump. Specialty drugs: Are usually self-administered, high cost, injectable...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

Critical Illness Insurance Helps Ease Cancer’s Financial Pain

June 11, 2015 by The Insurance 411Leave a Comment

Cancer Insurance

The good news is the likelihood of surviving a cancer diagnosis has increased. The bad news is the cost of treating cancer has also increased…and so have deductibles and copayments. Currently, an estimated 11 million Americans are living with cancer. Although your chances of surviving cancer are better now than ever, how will your budget...
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Filed Under: Benefits Management & Compliance   •  Critical Illness Insurance   •  Voluntary Benefits

What is Telemedicine?

May 16, 2015 by The Insurance 411Leave a Comment

Telemedicine

Recently, the state of Washington passed a law requiring employee health plans to reimburse providers for telemedicine services. That made Washington the 24th state to require “telemedicine parity.” Parity laws remove some of the barriers to more widespread adoption of telemedicine. Knowing they will be reimbursed for services makes healthcare providers more willing to offer...
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Filed Under: Benefits Management & Compliance   •  Employee Benefits

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