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Karl J. Ruth Jr.
Aug 12, 20221 min read
Federal: ACA Affordability Threshold Decreases
On July 25, 2022, the IRS announced that the Affordable Care Act’s (ACA) affordability threshold will be 9.12 percent, reduced from 9.61...
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Karl J. Ruth Jr.
Jul 19, 20225 min read
Employee Benefit Trends That Are Shaping 2022
The COVID-19 pandemic shifted just about every aspect of our lives – including how we work, where we work, and what we want from our...
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Karl J. Ruth Jr.
Jul 18, 20221 min read
2022 State of HR Report
To understand how HR has navigated pandemic-driven challenges and what the outcomes were for business, in February 2022 Mineral surveyed...
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Karl J. Ruth Jr.
Jun 27, 20225 min read
Employer Considerations for Coverage of Abortion Benefits
In anticipation of the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization that overturned Roe v. Wade, states...
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Karl J. Ruth Jr.
Jun 16, 20221 min read
Beam Dental is evolving into Beam Benefits!
Clients can expect the same simplified processes and helpful service with an expanded portfolio of ancillary benefits. Besides dental,...
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Karl J. Ruth Jr.
Jun 13, 20223 min read
Distributing Required Notices: What You Need to Know
There are a lot of notices and materials that employers are required to distribute to their employees each year. The requirements for...
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Karl J. Ruth Jr.
Jun 8, 20222 min read
Question of the Week
Do we need to offer summer interns group health insurance? Whether you need to offer benefits depends on your health plan eligibility...
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Karl J. Ruth Jr.
May 12, 20221 min read
Timeline of Benefit Notices for Group Health Plans
THIS TIMELINE PROVIDES GENERAL INFORMATION REGARDING FEDERAL BENEFIT NOTICE REQUIREMENTS FOR EMPLOYER-SPONSORED HEALTH PLANS. ADDITIONAL...
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Karl J. Ruth Jr.
May 9, 20221 min read
State Disability Insurance Mandates
Currently, five states require employers to provide Temporary Disability Insurance (TDI) wage replacement benefits to their employees who...
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Karl J. Ruth Jr.
Apr 25, 20223 min read
Infertility HRAs: Compliance Considerations for an Emerging Trend
In an effort to offer more robust and cost-effective infertility coverage to employees, the Infertility HRA is an increasingly popular...
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Karl J. Ruth Jr.
Apr 20, 20221 min read
Business Owners - Planning Opportunities
PRESENTED BY PRINCIPAL Business owners faced historic challenges during the pandemic, but now they’re gaining confidence. A record 36%...
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Karl J. Ruth Jr.
Apr 19, 20222 min read
Telehealth Coverage for HDHPs Extended
A spending bill signed into law on March 15, 2022, extends the ability of high-deductible health plans (HDHPs) to provide benefits for...
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Karl J. Ruth Jr.
Apr 12, 20221 min read
Agencies Indicate Focus on MHPAEA Enforcement
The Employee Benefits Security Administration (EBSA) released a fact sheet on 2021 enforcement of the Mental Health Parity and Addiction...
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Karl J. Ruth Jr.
Apr 1, 20223 min read
President Biden Extends National Emergency Outbreak Period Rules
On February 18, 2022, President Biden formally extends the COVID-19 National Emergency, which was set to expire on March 1, 2022 for...
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Karl J. Ruth Jr.
Mar 22, 20221 min read
Women’s Preventive Services Guidelines Updated
The Department of Health and Human Services’ (HHS) Health Resources and Services Administration (HRSA) recently updated its preventive...
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Karl J. Ruth Jr.
Feb 14, 20221 min read
Increased Civil Penalty Amounts for Certain Violations
Effective November 15, 2021, the U.S. Department of Health and Human Services (HHS) has increased the following key penalties affecting...
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Karl J. Ruth Jr.
Feb 10, 20225 min read
Upcoming ACA Reporting Deadlines
Affordable Care Act (ACA) reporting under Section 6055 and Section 6056 for the 2021 calendar year is due in early 2022. Specifically,...
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Karl J. Ruth Jr.
Jan 25, 20222 min read
PCORI Fee Amount Adjusted for 2022
The Internal Revenue Service (IRS) has issued Notice 2022-04 to increase the Patient-Centered Outcomes Research Institute...
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Karl J. Ruth Jr.
Nov 22, 20212 min read
Proposed Rule Would Expand IRS Electronic Filing Requirement
On July 23, 2021, the IRS published a proposed rule that would expand the requirement to file certain information returns electronically,...
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Karl J. Ruth Jr.
Oct 12, 20214 min read
5 Strategies for Reducing Health Benefits Costs in 2022
For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a...
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