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CA Employers With 5+ Employers - New California FEHA Regulations Effective April 1, 2016 Impose Additional Requirements on Employers

Posted by Team Granite on Apr 7, 2016 3:28:50 PM

On April 1, 2016 for California employers with five or more full or part-time employees important amendments to California’s Fair Employment and Housing Act (FEHA) went into effect. FEHA is the state’s primary law that protects employees against discrimination, retaliation and harassment in employment.  

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Get Your Doctor On Demand - Anytime. Feel Better, Faster and Save Money

Posted by Team Granite on Apr 1, 2016 3:53:00 PM

When you or anyone you work with is sick, you want a diagnosis and treatment quickly.  And, you want to minimize the amount of time it takes.

With Teladoc, the doctor will see you now… as in, right now!

How much time and money do you lose getting a diagnosis to a common medical condition (that even you know the diagnosis), picking up a prescription and so on? I know I’ve spent too much doing all of the above… but there’s a better way to get what you want for yourself and your employees, in 15 minutes or less.

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4 Common Workplace Poster Mistakes and How to Correct Them

Posted by Team Granite on Mar 23, 2016 4:34:33 PM

Employers should be aware of rules concerning workplace posters. Even if your company has only a few employees, a number of federal and state laws require you to display labor posters in your workplace that include information about relevant employment laws. Employers should be mindful of the following mistakes concerning workplace posters.

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Topics: Workers' Comp

Fundamentals of a Workplace First Aid Program for California Employers

Posted by Team Granite on Mar 23, 2016 4:26:34 PM

It is a requirement of OSHA that employees be given a safe and healthy workplace that is reasonably free of occupational hazards. However, accidents do happen, and employers are required to provide first aid in the workplace. 

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Top 10 Employee Handbook Updates for 2016

Posted by Team Granite on Mar 23, 2016 4:05:10 PM

The employee handbook is one of the most important communication tools between a company and its employees. Not only does it set forth your expectations for your employees, but it also describes what they can expect from the company. Regardless of size, all employers should consider creating an employee handbook to make their company’s policies accessible to employees. Your employee handbook should be as clear and unambiguous as possible, and written in an understandable language. Not only are state, federal and local laws changing rapidly, so too is the technology shaping how people work today. It’s now essential for HR to make handbook revisions, with the input of legal counsel, at least once a year. 

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Topics: Human Resources

Key Elements of a Successful Safety & Health Program

Posted by Team Granite on Feb 24, 2016 9:57:20 AM

Safety and health programs can substantially reduce the number and severity of workplace injuries and alleviate the associated financial burdens on businesses. Many states also have requirements or voluntary guidelines for workplace injury and illness prevention programs. According to OSHA, the best safety and health programs involve every level of the organization, instilling a safety culture that reduces accidents for workers and improves the bottom line for managers.With this in mind it is important to develop a safety and health program. Below you will find the four important elements of an effective safety and health management system as well as an e-tool to develop a comprehensive program. 

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Managing Stress In The Workplace

Posted by Team Granite on Feb 12, 2016 2:03:42 PM

In today's busy world it is hard to avoid stress, especially in the workplace; here is some useful information that can help keep stress at work in check. Helping your employees deal with stress in the workplace can ultimately lead to greater productivity as well as motivating employees to perform better. Stress can sidetrack employees and prevent them from doing their best. Stress at work may come from significant workload, pressing deadlines and time management issues. When workplace stress feels overwhelming, the following are some simple steps managers and employees can take to reduce the pressure. Also download our ultimate guide to to managing stress in the workplace. 

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Tax Time! Sample Emloyee Letter for 1095 Form

Posted by Team Granite on Feb 12, 2016 1:31:52 PM

It’s Tax Time!  If you have questions about the new 1095 tax forms for health insurance, here is some helpful information, and be sure to dowload the sample employee letters to accompany form 1095-C (Fully Insured and Self Insured) as well as Form 1095 B (Small Self-Insured). 
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COBRA 101 - Everything You Need To Know

Posted by Team Granite on Jan 25, 2016 1:26:22 PM

What better way to start the new year than a refresher outline on the basics of COBRA?  There’s a lot to administrating COBRA, which is why we at Granite, take the cost and burden off of your plate by offering free complete COBRA administration.

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6 Key Steps for Businesses to Prepare for 2016 Health Care Reform

Posted by Team Granite on Jan 7, 2016 11:31:52 AM

A new year means new and continuing responsibilities under the Affordable Care Act (ACA) for employers sponsoring group health plans. I thought you may find this information useful, below you will find 6 key steps for businesses to prepare for 2016 health care reform: 

1. Evaluating Grandfathered Status of Group Health Plan
Remember that changes to a grandfathered plan that reduce benefits or increase costs to employees may result in a loss of grandfathered status, requiring the plan to come into compliance with additional ACA requirements that previously did not apply because the plan was exempt. Grandfathered plans must provide notice to enrollees and keep appropriate records to maintain grandfathered status.

2. Reviewing Plan Documents for Required Changes to Plan Benefits
Plan design and benefits offered should reflect a number of recent changes, including:

  • A 90-day limitation on waiting periods (reasonable and bona fide employment-based orientation periods not to exceed one month);
  • The elimination of employer payment plans (arrangements under which an employer reimburses an employee for some or all of the premium expenses incurred for an individual health insurance policy, or uses its funds to directly pay the premium for an individual policy), including those sponsored by small employers; and
  • For non-grandfathered plans, limitations on annual out-of-pocket costs for essential health benefits (unless notified otherwise by the insurance carrier).
3. Analyzing Tax-Favored Arrangements
For employers that sponsor these types of arrangements, ensure that:
  • Health reimbursement arrangements (other than retiree-only HRAs and HRAs consisting solely of excepted benefits) are "integrated" with other group health plan coverage.
  • Health flexible spending arrangements (FSAs) qualify as excepted benefits, are offered through a cafeteria plan, and employee salary reduction contributions are limited to $2,550 for the year.
  • Cafeteria plans do not provide a qualified health plan offered through the Individual Health Insurance Marketplace as a benefit.

4. Providing Required Notices to Employees and Dependents
All new employees should receive a notice about the Health Insurance Marketplace within 14 days of their start dates. Employers sponsoring group health plans also need to provide a Summary of Benefits and Coverage (SBC) to participants and beneficiaries (or contract with the carrier or third party administrator to do so) at various times during the enrollment process and upon request.

5. Complying With "Pay or Play" Responsibilities
Employers that are subject to "pay or play" for 2016 (generally those with 50 or more full-time employees, including full-time equivalents, on average during 2015) should decide whether to offer group health plan coverage to full-time employees and their dependents, and determine if a penalty will apply. An employer may be liable for a penalty if it does not offer affordable health insurance that provides minimum value to its full-time employees (and their dependents), and any full-time employee receives a premium tax credit for purchasing individual coverage on the Health Insurance Marketplace.    

6. Satisfying New Information Reporting Requirements (IRS Forms 1094 and 1095)
The ACA requires self-insuring employers (regardless of size) and other parties that provide minimum essential health coverage to report information on this coverage to the IRS and to covered individuals. Large employers (generally those with 50 or more full-time employees) are also required to report information to the IRS and to their employees about their compliance with the "pay or play" provisions and the health care coverage they have offered. The first information returns must be filed with the IRS no later than February 29, 2016 (or March 31, 2016, if filed electronically), and the first individual/employee statements must be furnished on or before January 31, 2016.

Additional items that may be of continued significance for certain employers and group health plans in 2016 include distribution of Medical Loss Ratio (MLR) rebates, withholding of Additional Medicare Tax, reporting of health coverage on Forms W-2 (for employers required to file at least 250 Forms W-2), and payment of Transitional Reinsurance Program and Patient-Centered Outcomes Research Institute (PCORI) fees.

Review our 2016 Health Care Reform Checklist for more details regarding ACA requirements for employers in the upcoming year.

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