Coming Out Ahead When Losing Your Ability To Earn An Income

Nobody wants his or her income to be taken away.  If we had total control over our future, like a crystal ball, we would never worry about money vaporizing one day. One in three people will lose their ability to earn an income prior to the age of 65. The fact is, we do not know what can or will happen to us.  Life can change in a moments notice and your inco...

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Health Reform Questions - Out-of-Pocket Limits for 2015

Question: What is the out-of pocket limits for 2015? Answer: For 2015, please be aware that there will two different out-of-pocket limits. Overall Out-of-Pocket Limits: There is an overall cost-sharing limitation to all non-grandfathered group health plans, as provided in HHS Reg. § 156.130(a); PPACA; Standards Related to Essential Heal...

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How to purchase health insurance now that the Open Enrollment Season has concluded

In my town of Romeoville, Illinois or any other town in America, now that Open Enrollment under the Affordable Care Act has concluded, the only way to purchase Health Insurance is through a Special Election Period. Similar to an SEP in the Medicare Advantage world, there are several things that qualify you for this enrollment. Without a qualifying event, ...

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Just Another Thing On Your Desk

Credit: Everyone has tasks to do on their desk and will always run into issues of completing more. Somethings just have to come off the employer's desk. This is where outsourcing or delegation is needed. For some small employers, it is hard to give up control of somethings, or even know where to start. Employee benef...

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April 1, 2014 the day after open enrollment ended for the Affordable Care Act, we are starting to hear from the White House that the enrollments are near 7 million.  7 million is significant, because the non-partisan Congressional Budget Office (CBO) said that what was needed to make the program work.  Of the 7 million, it is unknown how many of these have m...

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New Law Repeals Deduction Limits for Small Employer Insured Health Plans

Section 213 of "Protecting Access to Medicare Act of 2014" repeals the annual deductible limit requirement for small employer insured health plans that was to be effective for plan years beginning on or after Jan. 1, 2014. The repeal of the Affordable Care Act's (ACA) deductible limit is retroactively effective to the date of the ACA's enactment in March ...

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