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Tag: insurance

5 Reasons to Start an Employee Wellness Program

business people practicing yoga in park

Contributed by Abby Drexler

Without the distractions of illness, fatigue, and low mood, employees can do their best work. This, however, is not reality for many American employees who struggle with sleep and mood problems, get sick often, and are generally sluggish. While people do need to take responsibility for their own health, employee wellness programs can offer employees a nudge in the right direction.

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Partial Unemployment Benefits for Hour and Pay Cuts

unemployment claim form on an office table

Most people probably aren’t even aware that such a thing as partial unemployment benefits even exist but, in fact, unemployment benefits aren’t so black and white – lose your job, get assistance. There are benefits available for employees whose hours are cut or whose pay is decreased as well and, as a business owner, you should know this.

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Employer’s Liability in Employee On-the-Job Auto Accidents

Driver inspecting damage after car accident

If you reimburse your employees for mileage, there are some things you should know about your role in the unlikely event that your employee is involved in an auto accident.

When employees hop in their cars to run errands for work, employers might feel released of liability – out of sight, out of mind, right? Employees are in their own cars, for which they (better) have their own insurance. If they cause an accident, that’s their problem, right? Possibly, but sometimes, the liability can fall on the employer.

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Health Insurance Trends for Businesses With Under 50 Employees

Health benefits for small business

Businesses with fewer than 50 employees are not required by law to insure their workforce. However, about half of them do anyway. There are several options for very small businesses that want to provide health insurance to their workforce. Many still go the traditional route with group health insurance. Many, however, are finding other ways to provide coverage as health insurance premiums steadily rise.

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Affordable Care Act and the Misclassification of Employees

Employers have always faced penalties for misclassifying employees as independent contractors but now, with the Affordable Care Act (ACA), some employers are finding yet another reason to try to skirt around the law.

Under the ACA, employers with 50 or more employees are required to offer health benefits to their workforce. If they don’t make health benefits available by the deadline, the company pays a penalty. You can see, then, how some companies might want to report having fewer than 50 employees so that they don’t have to offer health benefits.

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Time Tacking for Insurance Agents

Insurance agents have some very specific needs for monitoring employees. First of all, they usually run very small offices with anywhere from 2 to 15 employees, and need a system that is intuitive and affordable. They typically don’t have HR departments and usually don’t have the resources to outsource, and so require some kind of informal HR tracking. While they try to keep their offices as friendly and family-like as possible, they sometimes feel concerned that they are paying some employees for hours they don’t actually work and need some way to protect against that.

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