December 17, 2014

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Cyber Liability – Reputational Harm

In light of the recent data breach at Sony Pictures, this may be a good time to discuss some of the motivation behind these criminal acts. Ultimately we must ask, “What is the criminal’s goal?” An all too common argument against Cyber Liability products revolves around whether or not a company utilizes credit card transactions […]

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December 16, 2014

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Loosened Deadlines for Federal Exchanges

The second open enrollment period for federal healthcare exchanges began on November 15, 2014 and ended December 15, 2014. Technically. Although that was the official period to select plans for coverage beginning January 1, 2015, it seems as though many Americans shop for healthcare like they shop for holiday presents: at the last minute. Longer […]

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December 9, 2014

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Cigarette Smoking Rates Declining

According to data from the Centers for Disease Control and Prevention (CDC), current cigarette smoking among U.S. adults declined from 20.9% in 2005 to 17.8% in 2013. Among smokers who smoke daily, the average number of cigarettes per day also declined from 16.7 in 2005 to 14.2 in 2013.This is a step in the right […]

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December 4, 2014

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Employer Mandate – “Full-Time” Employee Determination

By now, I think that most people are aware of the Affordable Care Act’s requirement for applicable large employers (ALEs) to offer coverage to full-time employees and their dependents beginning in 2015. Although this sounds simple enough, as always when the government is involved, determining how to identify which employees qualify as “full-time” for the […]

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December 4, 2014

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Wellness Programs and Employer Liability

In the past 3 months, the EEOC has sued 3 different companies alleging that their wellness programs violated the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA). The ADA prohibits unequal treatment of employees and applicants based on their disability status. It also requires employers to provide reasonable accommodations to employees with […]

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November 20, 2014

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Employers Beware! “Ban the Box”

Caution, Illinois and Kansas City, Missouri are just a few of the states and cities that will be affected by new “Ban the Box” laws. Ban the box refers to the check box on employment applications asking whether the candidate has ever been convicted of a crime. Ban-the-box laws require hiring managers to put off […]

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November 20, 2014

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December is Safe Toys and Gifts Month

The month of December is full of life with parties, family, gifts, and joy. It is the perfect ending to the year with people celebrating the Holidays, and preparing to welcome in a new year. December is also the month with emergency rooms full of children with toy-related injuries caused by unsafe gifts. The U.S. […]

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November 17, 2014

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Transitional Reinsurance Filing Deadline Extended

The Centers for Medicare and Medicaid Services (CMS) have extended the deadline for the annual enrollment and contributions submission from November 15 until December 5, 2014. The payment deadlines of January 15, 2015 and November 15, 2015 have not been extended. As a reminder, no action is required on the part of employers with fully […]

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November 17, 2014

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Missouri Minimum Wage Increase

Missouri’s Department of Labor announced last week the minimum wage for 2015. Starting January 1, 2015 the state minimum wage will be $7.65/hr, an increase of $0.15 from last year. Employers in retail or service businesses whose gross income is less than $500,000 are not required to pay the state minimum wage rate and can […]

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November 11, 2014

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Supreme Court to Decide ACA Tax Credit Dispute

The Affordable Care Act continues to keep the U.S. Supreme Court busy. On November 7, 2014, the Justices agreed to hear the King v. Burwell case, which involves the proper interpretation of the ACA tax credit provisions. Specifically, the case asks whether the tax credit incentives are only available to those who purchased policies through exchanges […]

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