Capstone Insights
Federal regulations prohibit businesses from paying directly for employee’s individual health insurance premiums, outside of a Section 105 Medical Reimbursement Plan (e.g. a Health Reimbursement Arrangement or Healthcare Reimbursement Plan), or other IRS/HIPAA/ERISA-qualified tax-free vehicle (e.g. Section 125). Continue reading →
Modified Adjusted Gross Income, or MAGI, is a measure used by the IRS to determine eligibility for certain deductions, credits (including premium tax credits), or retirement plans.
Although the term MAGI is frequently used, few small business owners understand what it is, how it’s used, or how to calculate it. In this article, we’ll provide four surprisingly simple tips for understanding MAGI. Continue reading →
Safety professionals are increasing their focus on statistics and metrics relevant to business executives such as total cost of risk, a new study from Aon Global Risk Consulting, a unit of Aon P.L.C. finds. Continue reading →
The overwhelming majority of individuals who enrolled in plans offered through public health insurance exchanges during the 2015 open season have paid their premiums and still have active coverage, the U.S. Department of Health and Human Services said Tuesday.
As of March 31, 10.2 million of the 11.7 million Americans who opted for coverage, or just over 87%, paid premiums for their first month of coverage or still have time to pay the premium under exchange grace periods. Continue reading →
Six hundred feet down an elevator shaft near the shore of Lake Mead, the weight of Las Vegas’ future rests on a 19,000-pound plug at the mouth of a three-mile tunnel.
The plug sits atop a domed cavern beneath the lake, holding back the pressure of millions of acre-feet of water. Continue reading →
Because of the implications of the Patient Protection and Affordable Care Act, voluntary benefits are getting plenty of attention as employers examine how they can adjust their offerings. But they’re also starting to realize that benefits packages, including voluntary benefits, could help with retaining and recruiting employees in addition to softening the blows that could accompany health care reform Continue reading →
Americans who worry about dying worry about the wrong things.
That’s according to the National Safety Council, which kicked off National Safety Month by unveiling its annual list of Americans’ “Odds of Dying” from various causes. Continue reading →
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