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Karl J. Ruth Jr.
Mar 4, 20193 min read
Told your Account Manager is Changing Again?
As employers who provide group health care coverage to their employees know, the agency in which they place their insurance through plays...
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Karl J. Ruth Jr.
Feb 21, 20192 min read
Form 5500 Requirement – Due 7/31/19 for Plans on Calendar Year
Does your group #healthcare plan have 100 or more "participants" at the beginning of the plan year? If so a Form 5500 filing requirement...
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Karl J. Ruth Jr.
Feb 19, 20193 min read
Michigan Paid Medical Leave Act
In September of 2018, the Michigan Legislature voted on and approved a ballot initiative, known as the Earned Sick Time Act (“ESTA”) – a...
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Karl J. Ruth Jr.
Feb 5, 20192 min read
Compliance Overview
Employers that sponsor group health plans should provide certain benefit notices in connection with their plan's Open Enrollment periods....
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Karl J. Ruth Jr.
Jan 8, 20193 min read
2019 State Disability Insurance (SDI) Schedules
Does Your State Provide SDI? In the United States, there are several states and one commonwealth that provide statutory disability...
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Karl J. Ruth Jr.
Dec 12, 201813 min read
ACA Compliance Checklist - 2019
HIGHLIGHTS: CHANGES FOR 2019 Certain percentages and dollar amounts have changed for 2019: Cost-sharing limits Coverage affordability...
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Karl J. Ruth Jr.
Nov 29, 20183 min read
What Every HR Needs To Know - ACA Reporting 2019
The end of the year 2018 is fast approaching, which means that for every Human Resource department, ACA Compliance should be on their...
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Karl J. Ruth Jr.
Nov 21, 20183 min read
Protection and Flexibility: The Financial Advantages of a Life Insurance Policy
Life insurance is usually considered a financial safety net, a one-time payout designed to protect your family’s financial future. That’s...
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Karl J. Ruth Jr.
Nov 16, 20182 min read
MAX your Pre-Tax
On November 15, 2018 the IRS announced an increase to the allowable Flexible Spending Account (FSA) Contribution for 2019 (Revenue...
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Karl J. Ruth Jr.
Nov 6, 20183 min read
IRS Increases PCORI Fee
The IRS announced an update to the Patient-Centered Outcomes Research Institute (PCORI) Fee in Notice 2018-85. The new fee for plans...
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Karl J. Ruth Jr.
Oct 26, 20183 min read
Expanding HRAs
On October 23, 2018 the Department of Labor (DOL) and Department of Health and Human Services, in collaboration with the Internal Revenue...
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Karl J. Ruth Jr.
Oct 12, 20182 min read
Why Some Employers Prefer Self-Funding Health Insurance
As president of AJM Associates, Karl J. Ruth Jr. works closely with self-insured clients on a continual basis and has been integral in...
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Karl J. Ruth Jr.
Sep 26, 20185 min read
Are You SPD Compliant?
A summary plan description, or SPD, is the document that is given to participants and beneficiaries explaining the material terms of an...
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Karl J. Ruth Jr.
Aug 17, 20183 min read
Confused About The Affordability Percentages Increase For 2019
Starting January 1, 2019 affordability percentages will increase according to the Internal Revenue Service's Revenue Procedure notice. ...
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Karl J. Ruth Jr.
Aug 8, 20183 min read
Medical Loss Ratio (MLR) Rebates Coming In The Fall
Under the Affordable Care Act (ACA), there is a provision that limits the portion of premium dollars health insurers may spend on...
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Karl J. Ruth Jr.
Jul 23, 20184 min read
Gigian Health Care Trends
In the coming decade, employees will be faced with a new set of opportunities and challenges centered around the so-called "on demand...
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Karl J. Ruth Jr.
Jun 22, 20182 min read
Michigan Repeals HICA Tax
Governor Synder signed legislation to repeal the Michigan Health Insurance Claims Tax (HICA), Senate Bills 992-994 with immediate effect...
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Karl J. Ruth Jr.
Jun 22, 20183 min read
Association Health Plans (AHPs)
The Department of Labor (DOL) released a final rule on June 19, 2018 to allow new options for associations to sponsor health plan for...
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Karl J. Ruth Jr.
Jun 13, 20183 min read
5 Tips For Buying The Right Health Insurance
Insurance isn't sexy! What could be any less exciting than reviewing and looking for health plan options. The fact is that health plan...
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Karl J. Ruth Jr.
Jun 1, 20182 min read
Affordability Threshold Increases In 2019
The IRS announced on May 21, 2018 the 2019 increase on the shared-responsibility affordability percentage in Revenue Procedure 2018-34....
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