Personalized benefits blog: Expert insights on personalized employee benefits

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Health Benefits

What is an hour bank arrangement for healthcare?

Wondering what an hour bank arrangement is in healthcare? This article breaks down the concept and how it functions within the construction industry.

HR

What is human resource management (HRM)?

Human resources management is the strategic approach to managing an organization's workforce. Learn more about what HR entails in this comprehensive...

Health Benefits

How to tell if your HDHP is HSA-qualified

Not sure if your high deductible health plan is HSA-qualified? This article explores how to determine if you're eligible for a health savings account.

Employee Benefits

Guide to bereavement leave

The loss of a loved one is never easy, but offering bereavement leave to your employees can help make it a little smoother. Learn more in this guide.

Health Benefits

What is a short-term health insurance plan?

Discover the benefits of short-term health insurance and how it can provide temporary coverage during transitions or gaps in your healthcare.

ICHRA

ICHRA rules you need to know

Navigating the ICHRA rules can be complex, but we've got you covered with everything you need to know in our informative blog post.

Health Benefits

Small group vs. large group health insurance

Deciding between small group and large group health insurance? This comparison guide breaks down the differences to help you make an informed...

Health Benefits

Health insurance options for the self-employed

This article breaks down the various health insurance plans and options for the self-employed so you can make the best decision for your health and...

Small Business

Veterinary clinic employee benefits

Looking for ways to attract and retain top talent at your veterinary clinic? Check out these creative employee benefits ideas tailored for vet...

QSEHRA

How does the QSEHRA work with Medicare?

Learn how the QSEHRA can assist with your Medicare supplemental premiums and maximize your healthcare benefits in this informative article.

Compliance

What are the HRA attestation requirements?

Stay informed about HRA attestation requirements to avoid any compliance issues. Get the essential information you need in this concise guide.

Employee Benefits

What employers need to know about HRA debit cards

Are you considering HRA debit cards for your workers? Find out why they may not be the best option for your company and what alternatives you can...

Health Benefits

Guide to mid-year plan changes

This blog will guide employers and employees through their options for making mid-year changes to their health insurance plans.

Health Benefits

What is accident insurance?

Accident insurance provides financial protection if you have an unexpected injury. Learn more about what accident insurance covers and why it's...

Health Benefits

What does out-of-network provider mean?

Wondering what it means when a healthcare provider is out-of-network for your insurance? This article breaks it down for you in simple terms.

Health Benefits

What is a special enrollment period?

Find out which life events qualify you for a special enrollment period, allowing you to shop for health insurance outside of the open enrollment...

Taxation

Form 720 and PCORI fee FAQs

As a business owner, you may have heard of PCORI and the fees that come with it. We'll answer common questions about Form 720 and PCORI fees.

Health Benefits

The top five types of employee benefits

Employee benefits are a key component of any successful business. Discover the top five types of employee benefits that can help attract and retain...

Health Benefits

Top 20 most expensive hospital procedures

Discover the costs of the top 20 most expensive medical procedures in the U.S. We'll also offer tips for how to protect yourself from costly medical...

Employee Benefits

What is the employee life cycle?

Understanding the employee life cycle is crucial for HR teams. Dive into this guide to gain insights on each stage and optimize your management...

Health Benefits

What is Form 8941?

Form 8941 is used to calculate the credit for small employer health insurance premiums. Learn more about this form and how to properly fill it out.

Health Benefits

How to offer supplemental dental insurance

Supplemental dental insurance can provide additional coverage for costly dental procedures. Find out how you can offer this important benefit to your...

Taxation

How HRAs affect premium tax credit eligibility

Learn how to coordinate tax credits with two of the most popular HRAs: the qualified small employer HRA (QSEHRA) and the individual coverage HRA...

Health Benefits

Pros and cons of group health insurance

In this post, we’ll discuss group health insurance, cover its pros and cons, and go over health benefit alternatives that can work for your...

HRA Compliance

How HRAs work for spouses and dependents

Learn about the eligibility and benefits of health reimbursement arrangements (HRAs) for spouses and dependents in this comprehensive overview.

Small Business

What is a burden rate?

The burden rate is the total indirect costs associated with employing a worker, such as benefits, taxes, and overhead. Learn more about burden rates...

Health Benefits

Increasing engagement in your health benefit

Boost your employee engagement in health benefits with these effective strategies. Learn how to create a healthier and happier workplace today!

Applicable Large Employers

What are the ACA safe harbors for ALEs?

For applicable large employers, knowing the ACA safe harbors is essential for compliance. Learn more about these safe harbors in this informative...

QSEHRA

Perks of offering a QSEHRA and an HSA together

Learn the differences between an HSA and a QSEHRA, how they can work together, and why small businesses should consider offering both at the same...

HR

How to welcome a new employee

Welcoming a new employee is an important step in ensuring their success within your organization. Get tips on how to properly welcome a new team...

Health Benefits

Popular health insurance alternatives

Looking for options beyond traditional health insurance? Discover popular alternatives that offer flexibility and cost savings in this comprehensive...

Health Benefits

Guide to MEC plans

Need help understanding MEC plans? This guide breaks down the basics and helps you navigate the world of minimum essential coverage for your business.

Health Benefits

What is a health benefits navigator?

Confused about your health benefits options? A benefits navigator can help you make informed decisions. Find out more about benefits navigators.

Health Benefits

Top 25 health insurance companies in the U.S.

What are the largest health insurance companies in the United States by market share? Find out in our list of the top 25 health insurance companies.

Compliance

10 health reimbursement arrangement FAQs

Confused about health reimbursement arrangements? Get clarity with these 10 commonly asked questions about HRAs and HRA rules.

Health Benefits

Differences between HMO and PPO health plans

Trying to choose between an HMO or PPO health plan? This detailed analysis highlights the pros and cons of each to help you navigate the healthcare...

Health Benefits

What is a health insurance premium?

A health insurance premium is the amount of money you pay to your insurance provider for your health coverage. Learn more about health insurance...

Health Benefits

How to attract job candidates as a startup

Are you a startup looking to hire the best candidates? Learn how to effectively attract and retain top talent with these helpful tips.

Brokers

What is a field marketing organization (FMO)?

This article breaks down what field marketing organizations (FMOs) are, how they work, and how they help insurance agents and brokers grow their...

Health Insurance

Five advantages of individual health insurance

Individual health insurance has a range of advantages, from comprehensive coverage to the ability to tailor your plan to your specific needs.

Health Benefits

How to become an insurance broker

Ready to pursue a career as an insurance broker? This guide will walk you through the steps to take to become a licensed broker in the insurance...

Health Benefits

HRA vs. HSA vs. FSA comparison chart

Confused about the differences between an HRA, HSA, and FSA? This comparison chart breaks down the key features of each health benefit option.

Health Benefits

What are level-funded health benefits?

Level-funded health benefits offer a unique approach to health insurance, providing the benefits of self-funding with the stability of a traditional...

Compliance

Adjusted gross income vs. modified AGI

Confused about AGI and modified AGI? This concise guide breaks down the differences and helps you navigate your tax calculations with ease.

HR

What is healthcare reimbursement?

Looking to reimburse your employees for their healthcare expenses? Learn everything you need to know about healthcare reimbursement.

Employee Benefits

What is an eligible employee (EE)?

An eligible employee, also known as an EE, refers to an individual who meets the criteria to participate in certain employee benefit programs. Learn...

Compliance

HRA compliance FAQs

Need answers to your HRA compliance questions? Look no further! This comprehensive FAQ guide has everything you need to know about HRA compliance.

Health Savings Accounts

Why HSAs don’t work by themselves

Are HSA plans really worth it? Find out why relying solely on HSAs as an employee benefit may not be the best idea and explore other options.

Employee Benefits

What are commuter benefits?

Commuter benefits are a type of employee perk that can save your employees money on their daily commute expenses. Discover how they work in this...

Health Benefits

How does an HRA work?

Want to know how an HRA works? This concise guide breaks down how a health reimbursement arrangement with PeopleKeep works and its benefits.

Compliance

What is a key employee?

Key employees are crucial to a company, often holding high levels of responsibility and authority. But favoring them with benefits can have legal...

Compliance

What are statutory employee benefits?

Statutory benefits are benefits mandated by law that employers must provide to their employees. Learn about these essential benefits in this...

Employee Benefits

What is PTO?

PTO, or paid time off, is a benefit that many employees receive, allowing them to take time off from work while still being compensated.

Video

What is a spot bonus?

Spot bonuses can be a great way to recognize and reward exceptional performance. Learn more about spot bonuses and how they can motivate and inspire...

Health Benefits

How are health insurance premiums calculated?

Ever wonder how health insurance premiums are determined? This comprehensive blog breaks down the factors that influence the cost of your health...

Health Benefits

The role of AI in healthcare

Explore the impact of AI in healthcare and how it is reshaping the industry. From virtual assistants to predictive analytics, AI is revolutionizing...

Health Benefits

What does a benefits specialist do?

Learn everything you need to know about benefits specialist, including their job demand, responsibilities, and skills they need to have.

Compliance

HRA plan documents: What are the requirements?

HRA plan documents are essential for ensuring compliance with regulations. Learn about the requirements and guidelines for effective HRA plan...

Applicable Large Employers

How to calculate FTEs to determine ALE status

Learn what a full-time equivalent employee (FTE) is, what your FTE number means if you’re an ALE, and how to calculate how many FTEs you employ.

Health Benefits

What is a POS health plan?

A POS health plan, or point of service health plan, is a type of health insurance coverage that combines elements of both HMO and PPO plans.

Health Benefits

What is telemedicine and how can I pay for it?

Learn everything you need to know about telemedicine, including its covered services, pros and cons, and how you can pay for your virtual appointment.

Health Benefits

HRAs for dummies

A health reimbursement arrangement (HRA), sometimes called a health reimbursement account, is an IRS-approved, employer-sponsored, tax-free health...

GCHRA

7 group coverage HRA rules to know

Thinking of offering a group coverage HRA (GCHRA)? Ensure you follow these 7 rules for integrated HRAs to ensure your health benefit complies with...

Health Benefits

Pre-tax vs. after-tax medical premiums

Discover the difference between pre-tax and after-tax medical premiums and understand how they can impact your overall health insurance costs.

Health Benefits

What is a deductible?

Wondering what a deductible is? This concise guide explains everything you need to know about deductibles and how they impact your insurance.

Health Benefits

What is an employee census?

Discover the importance of an employee census in this guide. Learn how organizations use this data to gain insights into their workforce and benefits.

Taxation

What is Form 8962?

Wondering if you need to file IRS Form 8962? This detailed article explains how Form 8962 works for those with premium tax credits for health...

Health Benefits

Health insurance options for pastors and clergy

Are you a minister or church looking for health insurance options? Explore our guide to find the best health insurance plans for pastors and clergy.

Health Benefits

What is a consumer driven health plan (CDHP)?

Looking for a healthcare plan that gives you more flexibility? Explore the concept of a consumer driven health plan (CDHP) and its advantages here.

Video

Can I offer a health insurance stipend?

Interested in offering a health stipend in lieu of health insurance? Learn how stipends work, their tax implications, as well as other tax-free...

Health Benefits

7 ways to save on health insurance

Looking to save on health insurance? Discover 7 effective strategies to reduce your healthcare costs in this comprehensive guide.

Employee Benefits

How to celebrate Employee Appreciation Day

Make your employees feel valued and appreciated on Employee Appreciation Day with these fun and rewarding celebration ideas.

Health Benefits

2024 federal poverty guidelines

Stay informed about the 2024 federal poverty guidelines with this comprehensive guide. Understand the income thresholds and eligibility requirements.

Affordable Care Act

What are the ACA essential health benefits?

This article covers what the ACA essential health benefits are, why the federal government created them, and how an HRA works under these rules.

Health Benefits

What is the Affordable Care Act (ACA)?

Wondering what the Affordable Care Act is all about? This concise guide explains the key provisions of the ACA and how it affects individuals and...

Health Benefits

What is an HRA?

Thinking of offering a health reimbursement arrangement? Discover what an HRA is, how it works, and its benefits in this guide.

ICHRA

Pros and cons of stand-alone HRAs

Stand-alone HRAs can offer flexibility and control over healthcare expenses, allowing employers to customize plans to meet their employees' needs.

HR

How to handle workplace conflict

Discover effective ways to manage workplace conflict with this guide. Learn how to address conflicts head-on and promote collaboration within your...

Compliance

What is nondiscrimination testing?

Certain benefits offerings require non-discrimination testing (NDT). Learn what non-discrimination testing is and why it’s important for your...

Video

Remote employee reimbursement rules by state

Should employers cover the costs of remote work? Or does that responsibility fall to individual employees? See which states require expense...

Health Benefits

Health insurance options for franchises

Are you a franchise owner? Explore your health insurance options with this comprehensive guide, tailored specifically for franchises.

Small Business

When is hiring season?

Are you wondering when the hiring season begins? Find the best time to post your open positions and maximize your chances of hiring the right...

HR

What is an employee onboarding program?

Want to make sure your new employees feel welcomed and prepared for their new roles? Learn about the importance of an effective employee onboarding...

Video

What is a compensation strategy?

Learn about the different types of compensation strategies, why they’re important, and how you can design one to fit your organization’s needs.

Employee Benefits

What is a 9/80 work schedule?

This blog goes over the 9/80 work schedule, its pros and cons, and how you can determine if it’s a good option for your business and employees.

Health Benefits

Offering fertility benefits to your employees

Want to provide fertility benefits to your employees? Learn how offering these benefits can attract talent and support your staff's journey to...

Video

What is a 1099 employee?

This article will explain what a 1099 employee is, how they differ from W-2 employees, and what rules you need to know when hiring a contractor.

HR

Five signs of a toxic work culture

Toxic work cultures can have detrimental effects on both employees and organizations. Uncover the telltale signs of a toxic culture and take action...

Health Benefits

What is a copayment?

Wondering about copayments? Get a clear understanding of what they are and how they factor into your healthcare expenses in this helpful guide.

Health Benefits

What is an EBHRA?

Discover what an excepted benefit HRA (EBHRA) is and how it can improve your employee benefits package.

Employee Benefits

Offering stipends vs. salary increases

Employees increasingly desire added benefits and perks over yearly wage increases. But, what's the difference between stipends and salary increases?

Health Benefits

The secret to negotiating lower medical bills

Get tips on how to lower your medical bills, get financial assistance, and negotiate a more affordable payment plan with your healthcare provider.

Health Benefits

Healthcare sharing ministry pros & cons

Health sharing plans are an alternative to traditional health insurance. See the pros and cons of these plans to help you make an informed decision.

Small Business

Signs of low morale and how you can fight it

Learn how to identify the signs of low morale and how to correct your organization's trajectory so that you can foster a highly engaged team.

Video

Is health insurance reimbursement taxable?

Health insurance reimbursement can be tax-free for your business and your employees. Explore the tax differences between HRAs and healthcare stipends.

Small Business

What is Form 941?

This article breaks down everything you need to know about IRS Form 941 and how to complete it with ease.

Small Business

How to plan an HR budget

Planning an HR budget can be challenging, but with the right strategies, it can be made easier. Learn how to plan an HR budget with this...

Health Benefits

How to cancel your health insurance policy

Learn how to cancel your medical insurance and get tips to help you make smart decisions when changing your healthcare coverage.

Health Benefits

Small business health insurance options

Unsure which health insurance plan is right for your small business? Explore the top options available and choose the best fit for your employees'...

Compliance

How to choose a benefits administrator

Choosing the right benefits administrator is essential to run your company's employee benefits program. Discover the key factors to consider in this...

Taxation

Key HR compliance dates for 2024

Keep track of important HR compliance dates in 2024 with this easy-to-use calendar. Don't let compliance issues catch you off guard.

Health Savings Accounts

How HSA contribution limits work for spouses

In this blog, we go over HSA contribution regulations, benefits of having two separate HSAs, and how they can work with health reimbursement...

Small Business

The benefits of hiring veterans

Want to enhance your company's performance and culture? Consider hiring veterans. Learn more about the benefits of recruiting these skilled...

Employee Benefits

Benefits you should offer a nanny or caregiver

Offering a benefits package to your nanny or caregiver is essential for attracting and retaining top talent. Discover the key benefits you should...

Small Business

How to set up a cell phone reimbursement policy

Learn how to establish a cell phone reimbursement policy that benefits both your employees and your company. Follow our simple steps and get started...

Health Benefits

Best states for an HRA

Discover the top states for health reimbursement arrangements (HRA) with this guide. Find the best options for your healthcare needs and financial...

Health Benefits

Health savings account (HSA) FAQs

The popularity of health savings accounts (HSAs) has surged dramatically in recent years. Here are the most frequently asked questions regarding HSAs.

Health Benefits

Fully-insured vs. self-insured health plans

In this article, we’ll explore the two most common ways to structure a health insurance plan, fully-insured and self-insured.

Compliance

How employers can contribute to HSAs

This blog will define HSAs, discuss how employers can contribute to an HSA, and provide other health benefit options.

Health Benefits

How wellness programs lower employee stress

Discover how implementing wellness programs in the workplace can effectively reduce employee stress levels and promote a healthier, happier workforce.

Small Business

How workplace design affects productivity

Want to boost productivity in your office? Learn how different office layouts impact employee performance and find the best design for your team's...

Health Benefits

Section 105 plan vs. Section 125 cafeteria plan

Discover the key differences between a Section 105 plan and a Section 125 cafeteria plan in this informative post. Learn which plan is best for you.

Small Business

Does an HRA require an HDHP?

Curious about the relationship between HDHPs and HRAs? Find out if an HRA requires an HDHP in this informative post.

Health Benefits

Common types of health insurance plans

Learn the pros and cons of the most common types of health insurance plans, such as PPOs, HMOs, HSA-qualified plans, indemnity plans, and...

Employee Benefits

7 steps to take when offboarding employees

Offboarding employees can be a complex process, but with these seven steps, you can ensure a smooth transition for both the employee and your...

Health Benefits

Top 7 health insurance terms to know

Don't let health insurance terms leave you puzzled. Get acquainted with the top seven basic terms in health insurance.

Health Benefits

Can you have two health insurance plans?

Learn the difference between primary and secondary insurance and how you can legally coordinate the two if you have two health insurance plans.

Video

What can an HRA reimburse?

Wondering if your HRA can cover specific medical costs? Discover the comprehensive list of eligible expenses that your HRA can reimburse in this...

HR

Minimum wage rates for 2024 by state

Wondering what the 2024 minimum wage rates are? Stay up to date with the minimum wage rates for 2024 by state with this comprehensive guide.

Applicable Large Employers

Determining ICHRA affordability in 2024

If you're an applicable large employer, you need an affordable allowance for your individual coverage HRA. See what the IRS considers affordable in...

Video

Should I offer an HRA or HSA?

Deciding between an HRA and HSA? Get all the information you need to make the right choice for your employees' healthcare needs.

Small Business

Is the QSEHRA a good fit for nonprofits?

Considering the QSEHRA for your nonprofit? Get all the information you need to make an informed decision in this concise guide.

Employee Benefits

What is a total rewards model?

Discover the concept of a total rewards model and how it can revolutionize your organization's approach to employee compensation and benefits.

Video

HRA eligibility by type of business owner

Are you a business owner wondering if you can participate in an HRA? Find out if you meet the eligibility criteria with this comprehensive guide.

Health Benefits

How to use an HRA as a C corporation owner

Looking to save on medical expenses as a C corporation owner? Explore the benefits of utilizing a health reimbursement arrangement (HRA) with this...

Health Benefits

2024 HSA contribution limits

Planning your HSA contributions for 2024? Find out the new limits and maximize your savings with this comprehensive overview.

Health Benefits

What are the most common types of employees?

Curious about the types of employees in the workplace? This informative article outlines the key categories, from full-time to freelancers.

Health Benefits

What is integrative medicine?

Discover the benefits of integrative medicine and how it combines traditional and alternative therapies for a holistic approach to health and...

Small Business

How to support employee career growth

Empower your employees to reach their full potential by implementing effective career development programs. Learn how to support employee career...

Small Business

Top payroll documents employers need

To ensure smooth payroll processing and compliance, employers need to have the right documents. Discover the top payroll documents in this...

ICHRA

ICHRA administration for first-timers

Looking for guidance on ICHRA administration? Look no further! This guide offers valuable insights and resources for first-time ICHRA administrators.

Health Benefits

What is critical illness insurance?

Critical illness insurance provides financial protection in the event of a major illness or medical condition. Find out what it covers and how it can...

Small Business

The eight small business owner structures

Unsure which business structure to choose? This guide outlines the eight different types, helping you make an informed decision for your small...

Health Benefits

What is employee benefits administration?

Employee benefits administration involves managing and coordinating the various benefits offered to employees by an organization. Learn all about it...

Small Business

Why you need compliant HRA software

Discover the importance of compliant HRA software in managing your healthcare benefits. Find out how this software can streamline your HR processes!

The info you need to better support your team

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