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Do you fear COBRA? If not, maybe you should?

Noncompliance with COBRA laws could result in astronomical penalties, legal fees, and other expenses.  Consider this: A maximum of $110 penalty per affected participant or beneficiary per day from the date the noncompliance started. Personal liability imposed on plan administrators.  It is not unheard of for COBRA violations to cost a company thousands

Current or Former Ullico Casualty Work Comp Policyholders

Your Mod is at Risk As you may already know, Ullico Casualty Insurance Co. has been placed in liquidation and the Department of Insurance for the State of Delaware is currently handling this liquidation. Unfortunately, claims and payroll information for the various businesses that Ullico insured is not being sent to the

Why employees need to be educated about Obamacare?

Benefit education has long been considered a key component of a successful employee benefit program. However, engaging employees and helping them recognize the value of their program is not easy. It takes ongoing efforts of HR managers with support from senior management. The Affordable Care Act creates another new wrinkle for

Healthcare Reform Update- May 2013

May 23, 2013 was a historic day for California. Covered CA, the state Individual Health Insurance Exchange, announced its final plans, rates, and the rating regions.  Finally shining a small light on what we can expect for next year, the press release made today gave us some answers, but not

Will Health Care Reform Stand in 2012?

In late March, the Supreme Court will hear arguments on the constitutionality of the "Individual Mandate". The Court is allowing more than 5 hours and we can expect a ruling by late June. Couple this with a Presidential election in November and this is shaping up for a big year for

Rate Increases show we need Health Insurance Reform

Wellpoint, parent company of Anthem / Blue Cross has warned its individual policy holders that their rates may go up 39%, but the majority of their policy holders will have a 24% rate increase. They advise this is due to claims dollars paid out are higher than premiums brought in,