Value Statement:
"We are committed to treating our clients with fairness and respect. We strive to educate insurance prospects and clients alike about the potential risks for loss unique to them individually, and the products that are available to secure them from financial loss. It is our commitment to serve all members of our community with expertise and financially sound insurance products."
"The staff is friendly and helpful!"
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Jan
11 |
January 11 2012
2012 HSA and FSA Changes 2012 HSA and FSA changes to know about. Many people are not aware of the changes that take place from year to year like contribution limits. more» |
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Dec
01 |
December 01 2011
Supreme Court Challenge over Health Care Reform Arguments are expected in late February or early in March, with a court ruling in June. Four issues will be addressed including: constitutionality of the mandate, "Severability" of the mandate from the entire law, whether the mandate may be challenged prior to enforcement, and the constitutionality of the expansion of medicaid. more» |
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Oct
13 |
October 13 2011
New Amendment for Women's Preventative Care The Department of Health and Human Services, commonly called HHS, recently added an update to the Interim Final Regulations for Women’s Preventative Care. This change applies to Non-Grandfathered plans starting on or following August 1, 2012. more» |
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Jul
06 |
July 06 2011
New Guidelines from the IRS on W2 Reporting of Health Care Costs You may have heard that the IRS wants businesses to begin reporting employee Health Care benefits on employee W2s. For 2011 this is optional for ALL employers, in 2012 this is required for businesses that produce 250 or more W2s. The following video is from the IRS talking about your requirements. http://www.youtube.com/watch?v=TFepqFnEj5I more» |
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Apr
12 |
April 12 2011
Genetic Information Nondiscrimination Act Impacts Many Workplace Practices, Wellness Programs GINA applies to employers with 15 or more employees. Its definition of “genetic information†includes not only genetic tests, genetic services and genetic research involving an individual employee and/or family members, but also the manifestation of a disease or disorder in an individual’s family medical history. Specifically, GINA prohibits the use of genetic information in employment decision making, restricts an employer’s deliberate acquisition of an employee’s genetic information, requires employee genetic information to be maintained as confidential, and strictly limits employers from disclosing such information. more» |
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Jan
25 |
January 25 2011
Start Planning Now for New W-2 Reporting Requirements Employers need to be primed for the new W2 reporting requirement before the effective date, as IRS regulations have a “quirk†where former employees can request a W-2 from employers at any time during the year. By law, the previous employer only has 30 days to respond to the W-2 request. Essentially, this quirk means that employers should be ready to comply with the valuing health insurance provision by early 2012. more» |
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Nov
16 |
November 16 2010
Amendment Allows Employers To Switch Insurance Carriers And Retain Grandfathering The new amendment enables an employer to offer the same heath coverage through a different health plan carrier, but still be able to retain their grandfathered status. However, the new coverage must be under a new insurer that doesn't involve a significant cost increase. And, the new coverage can not significantly decrease the benefit levels or otherwise violate any provision contained in the grandfathered-status regulations. more» |
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Oct
01 |
October 01 2010
Looking at the Near-term Financial Impact of Health Reform A quarter of the nearly 800 employers surveyed said they expect compliance with the first round of health reform mandates included in the law to add at least another 3% to their projected 2011 plan costs. In addition the IRS has issued new guidance on over the counter drug expenses as related to cafeteria plans, HRA, and HSA's. more» |
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Sep
16 |
September 16 2010
Guidance Tells How to Maintain-or Lose-Grandfathered Status The Internal Revenue Service, Department of Labor's Employee Benefits Security Administration and Department of Health and Human Services have jointly issued an interim final rule regarding grandfathered plans, in particular, what changes to grandfathered plans will and will not affect a plan's status. more» |
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Aug
23 |
August 23 2010
The Exchange: A Utah Solution for Utah Businesses Offering affordable health insurance benefits has become an increasingly difficult proposition for businesses. The Utah Exchange allows Utah businesses to harness the power of defined contribution plans which offer multiple advantages for both employers and employees. more» |
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