April 2015

Clean up your mouth!

By April 29th, 2015   Healthcare

 The following was posted on the wall when I visited my dentist recently. – Glad to report my teeth and gums are healthy.

Periodontal infection increases risk

Heart disease
Infectious endocarditis
Carotid artery stenosis
Stroke
Diabetes
Rheumatoid arthritis
Mouth and throat cancer
Pancreatic cancer
Colon cancer
Kidney infection lung infection/COPD		 Low fertility in men
Erectile dysfunction
Brain abscesses
Cognitive dysfunction/ Alzheimer’s
Infectious mononucleosis
Pre-term babies
Yeast infections
Multiple sclerosis
Osteoporosis

periodontal (adjective) of, denoting, or affecting the gums and other tissues surrounding the teeth: periodontal disease

Employee Benefit Advisors provides employee benefits, tax-advantaged healthcare, compliance guidance for ACA and Health & Welfare DOL Audits, and PEO Advisory & Consulting Services.

ACA 2015 Tax Forms 1094 and 1095

By April 15th, 2015   Compliance - ACA & Other, Human Resources

The ACA forms chart is voluntary for employers that wish to file in 2015 for 2014. The return and transmittal forms are to be filed with the IRS on or before February 28 (March 31 if filed electronically) of the year following the calendar year of coverage.

Here’s the IRS link for complete instructions.
http://tinyurl.com/mgzhyoc

Employee Benefit Advisors provides employee benefits, tax-advantaged healthcare, compliance guidance for ACA and Health & Welfare DOL Audits, and PEO Advisory & Consulting Services.

ACA: Employer Mandate Tree

By April 8th, 2015   Compliance - ACA & Other, Human Resources

The employer mandate tree easily breaks down what we see today and the changes taking place next year.

Employee Benefit Advisors provides employee benefits, tax-advantaged healthcare, compliance guidance for ACA and Health & Welfare DOL Audits, and PEO Advisory & Consulting Services.

Your HSA Contributions May Trigger Cadillac Tax

By April 1st, 2015   Compliance - ACA & Other, Healthcare, Human Resources

The Cadillac Tax is coming in 2018. – All “premiums” over the designated amounts, currently set at $10,200 for single coverage and $27,500 for family coverage, will be taxed at 40%.

BUT, the IRS and DOL are currently counting employee contributions into their own HSA’s as “premiums”.

So, if you are being a responsible healthcare consumer, choosing a high deductible plan and putting dollars into an account in order to pay medical expenses, those dollars, if pre-taxed in an employer’s Section 125 Plan, will now count against you!

If the IRS does adopt rules requiring employers to include employees’ pretax HSA contributions in calculating plan costs, employers are likely to redesign their high-deductible plans, such as capping pretax contributions or allowing only after-tax contributions to reduce the likelihood of triggering the excise tax.

Thanks to Susan Luskin, FLMI, CLU, CEBS, RHU, ChHC, Diversified Administration Inc, www.Div125.com, for pointing this out.

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