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Employee Benefits Report, November 2015  Volume 13, Number 11
Self-Insurance Offers Flexibility, Savings
association health plansShould your company self-insure its health plan? Here’s what you need to know to decide. Read on for details.
The Cost of Fatigue
2A study published in the Journal of Occupational and Environmental Medicine found that nearly 40 percent of U.S. workers experience fatigue. Why should employers care? Read on for details.

Why Everyone Needs Long-Term Disability Insurance
3What would your employees do if they became injured or ill and couldn’t work for an extended period? How does this affect morale? Read on for details.
Rating Changes Coming: Are You Prepared?
The Affordable Care Act requires insured small group health plans (now redefined as 50 and fewer people under the PACE Act) to use community rating starting on January 1, 2016. What is community rating, and how will it affect your insurance costs? Read on for details.

This Just In

"Large employer" redefinition helps keep group coverage affordable. On October 7, President Obama signed the Protecting Affordable Coverage for Employees (PACE) Act. This bill amends the Patient Protection and Affordable Care Act (PPACA) and Public Health Service Act to define employers with 51 to 100 employees as large employers for purposes of health insurance markets. Without the PACE Act, the definition of “small employer” would have automatically expanded to include employers with 51-100 employees on January 1, 2016.

Read on for details.

 
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