by Elvia Tito, Digital Benefit Advisors Chicago
According to Forbes, 57% of companies plan to make a major new HR software purchase in the next 18 months. The HR software industry has exploded in the last few years and HR administrators are faced with more choices than ever. The big question: What is the right solution for my organization?
Here are a few factors to consider when making your decision: Continue reading
The Department of Labor (DOL) announced the final rule on changes to the “white collar” exemptions under the Fair Labor Standards Act (FLSA) on May 18, 2016. The final rule is effective Dec. 1, 2016.
To qualify for certain white collar exemptions, an employee must meet a salary basis test, a salary level test and a duties test. An employee must meet all three tests in order to be exempt from FLSA minimum wage or overtime pay requirements. Continue reading
by Drew Miller, Principal, DBA-NorCal
In October 2015, Santa Cruz Sentinel reported: “Santa Cruz County has the highest cost for employer-provided health insurance of 274 U.S. metro areas, according to a study by a consumer nonprofit in New York that concludes the reason is lack of competition.”
Well, this lack of competition is about to end! On April 19, 2016, Kaiser Permanente announced that they will be coming to Santa Cruz County, effective January 1, 2017.
How did Santa Cruz become one of the highest rated metro areas?
As a result of the implementation of the Affordable Care Act in 2014, the realignment of rating areas in California put Santa Cruz County in one of the highest rating areas in the state. Continue reading
By Courtney Calabrese, Senior Advisor, Digital Benefit Advisors Chicago
A Human Resource Information System (HRIS) is an information system or managed service that provides a single, centralized view of the data that a human resource management or human capital management group requires for completing HR processes. In other words, it’s a tool that organizes all of the data pertinent to the HR function. Continue reading
By Nathan Pierce, Senior Market Analyst, Digital Benefit Advisors Hartford
I have a question for you. What is the most basic principle of insurance? Overinsurance. Continue reading
You may wonder if you’ve been drinking enough water, especially when it’s hot out. There’s a lot of confusing advice out there about how much you really need. The truth is that most healthy bodies are very good at regulating water. Elderly people, young children and some special cases—like people taking certain medications—need to be a little more careful. Here’s what you need to know.
The body regulates how much water it keeps so it can maintain levels of the various minerals it needs to work properly. But every time you breathe out, sweat, urinate or have a bowel movement, you lose some fluid. When you lose fluid, your blood can become more concentrated. Healthy people compensate by releasing stores of water, mostly from muscles. And, of course, you get thirsty. That’s your body’s way of telling you it needs more water…
REMEMBER: The best way to deal with dehydration is to prevent it. Make sure to drink enough water in situations where you might become dehydrated. For those caring for small children or older people with conditions that can lead to dehydration, Guralnik advises: “You need to prompt the person to drink fluids and remind them often. It’s not just a one-time problem.”
By Tony Rust, Business Development Executive, Digital Benefit Advisors Orlando
Millennials are receiving more focus than ever before in the insurance market as the baby boomer generation begins to retire and exit the workforce over the next decade. While the next generation of employee benefits consumers are coming into the workforce highly educated and eager to make an impact, many don’t seem to “get it” when it comes to health insurance. A recent survey showed that more than 50 percent of millennial employees don’t understand their benefit options, and would rather clean out their email than research health coverage.
By Gina Palladino, Financial Analyst, Digital Benefit Advisors Hartford
Before I began my career in the insurance industry, I only ever heard of underwriting in terms of applying for a mortgage. It seemed to be that black hole, where weird things happened with rates and percentages and suddenly what you expected to pay, was much different. In the employer insurance group marketplace, it can appear to be the same. Although a lot goes into underwriting, these are few of the basic principles:
By Art Kitajima, Consultant, Digital Benefit Advisors Southern California
Economic conditions, legislation, and the competitive market environment have evolved, and with that, so has the role of the Human Resources professional. They are challenged every day to add value to the business, and must understand the organization’s big picture to influence key decisions and policies. HR is no longer thought of as simple personnel management, but as a core strategic business component for companies to achieve organizational goals.
So how does the insurance broker fit in? Long gone are the days where an insurance broker was just the “middleman” to provide insurance carriers’ quotes and compare various plans based on cost. More than ever, HR professionals need their brokers to step in as their advocate in achieving overall human resource objectives. Brokers are now taking a much more consultative approach in clearly understanding HR needs in providing solutions as trusted advisors.
If you’re looking for a complementary health practitioner to help treat a medical problem, it is important to be as careful and thorough in your search as you are when looking for conventional care. Here are some tips to help you in your search:
If you need names of practitioners in your area, first check with your doctor or other health care provider.
A nearby hospital or medical school, professional organizations, state regulatory agencies or licensing boards, or even your health insurance provider may be helpful.
Find out as much as you can about any potential practitioner, including education, training, licensing, and certifications.
The credentials required for complementary health practitioners vary tremendously from state to state and from discipline to discipline.
Once you have found a possible practitioner, here are some tips about deciding whether he or she is right for you…
Click here to read more!