California Benefit Advisors

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Ask the Experts: Medical Loss Ratio (MLR) Rebates


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Question: Our company received a rebate check from our health insurance carrier. As the employer, we pay the bulk of premiums, although employees who enroll for coverage do pay a portion of the cost. Are there restrictions on how we can use the rebate money? Answer: Yes, there are restrictions on using the rebate. The

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Benefits, Blog, California Benefit Advisors, California Employee Benefits, compliance, Employee Communication, employee engagement, Employee wellness, Employees, Employers, Exercise, Health, Health plans, Tech, wearable technology, Wellness, Workplace

Wearable Technology


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Don’t lie–we ALL love gadgets. From the obscure (but hilariously reviewed on Amazon) Hutzler 571 Banana Slicer to the latest iteration of the Apple empire. Gadgets and technology can make our lives easier, make processes faster, and even help us get healthier. Businesses are now using the popularity of wearable technology to encourage employee wellness

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Benefit plans, California Benefit Advisors, California Employee Benefits, Custom content, Health insurance, Insurance, Life Insurance

Look Backward to Plan Forward


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We have entered Open Enrollment season and that means you and everyone in your office are probably reading through enrollment guides and trying to decipher it all. As you begin your research into which plan to choose or even how much to contribute to your Health Savings Account (HSA), consider evaluating how you used your

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ACA, Affordable Care Act, Benefits, Blog, California Benefit Advisors, California Employee Benefits, Custom content, Employees, Employers, Health, Health insurance, Human Resources

Affordable Care Act Update


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Recently, the President signed a bill repealing the Affordable Care Act’s Individual Mandate (the tax penalty imposed on individuals who are not enrolled in health insurance). While some are praising this action, there are others who are concerned with its aftermath. So how does this affect you and why should you pay attention to this

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Benefits, Blog, California Benefit Advisors, California Employee Benefits, CHIP Notice, DOL, Employees, Employers, group health, group health plan, Health, Health plans, HR, Medicaid, Medical benefits, Utah Benefit Advisors, Utah Employee Benefits

DOL Updates the Employer CHIP Notice


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The U.S. Department of Labor (DOL) has updated the model notice for employers to use to inform employees about the Children’s Health Insurance Program (CHIP). All employers with group health plans are required to distribute a CHIP notice at least once a year to employees living in certain states. There is no need to send

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California Benefit Advisors, California Employee Benefits, Employees, Employers, HR, Human Resources, Uncategorized, Utah Benefit Advisors, Utah Employee Benefits, Workplace, Workplace Culture

Staffing for Scalability


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I’ve seen it in my own career: When companies go through rapid growth — quickly moving from 50 to 100+ employees — things start to get shaky. This period of acceleration can be compared to when a jet breaks through the sound barrier. The flight is smooth until that moment, then the plane rattles violently

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California Benefit Advisors, California Employee Benefits, Employees, Employers, Life Insurance, Utah Benefit Advisors, Utah Employee Benefits

10 Things You Didn’t Know About Life Insurance


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Life insurance blah blah blah. Is that what you hear when someone mentions it as part of your new job’s employee benefits round-up or when you see something about it on TV or social media?  Not to worry: we’ve got the low-down on what you need to know. And it’s really not as overwhelming (or

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California Benefit Advisors, California Employee Benefits, Employers, Fees, Health plans, HRA, Human Resources, PCORI, Utah Benefit Advisors, Utah Employee Benefits

Reminder: Health Plan PCORI Fees Are Due July 31


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Employers that self-insured any group health plans in 2017, including health reimbursement arrangements (HRAs), are responsible for determining whether the annual PCORI fee applies to their plan. If so, use Form 720 to calculate, report, and pay the fee by July 31, 2018. PCORI stands for the Patient-Centered Outcomes Research Institute. Federal law imposes a

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