Overview of Employer Responsibilities for Handling Rebates

Aug 01, 2018 | By: Ganim Financial | Posted In: Benefits & HR

The Affordable Care Act’s medical loss ratio (MLR) rules require group health insurance issuers to provide rebates if their MLR—the amount of health insurance premiums spent on health care and activities to improve healthcare quality—falls short of the applicable standard during a reporting year. Each year’s rebates must be issued to plan sponsors by September 30 of the following year. As a result, plan sponsors should be looking for these rebates to arrive in the coming weeks.

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Avoid Heat Illness While Exercising Outside

Jul 30, 2018 | By: Ganim Financial | Posted In: Health & Wellness

Summer heat can be more than uncomfortable—it can be a threat to your health, especially if you’re exercising outside. In hot or humid weather, it’s essential to take precautions, like drinking additional water, to help lower your body’s temperature and to replace what you lose through sweating. In addition to drinking plenty of water, here are some steps you can take to prevent heat illness or exhaustion while you work up a healthy sweat:

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Did You Miss Our July Retirement Newsletter?

Jul 25, 2018 | By: Ganim Financial | Posted In: Retirement Newsletter

Our Monthly Retirement Newsletter is designed to keep you informed of current trends and information regarding retirement plans. View this month’s issue.

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From the Oil Industry to The Supreme Court: Here’s What You Need To Know This Week

Jul 18, 2018 | By: Ganim Financial | Posted In: Market Reviews

Strong economies need crude oil to feed their growth. But disruptions in Africa (Libya) and North America (Canada) are raising concerns about the world supply . . . .

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Do You Know the Real Value of Your Business?

Jul 09, 2018 | By: Ganim Financial | Posted In: Business Succession

When business owners say they’ve been approached by buyers, they often say the price mentioned was far too low to take seriously. When I ask . . . .

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Educating Children on the Responsibilities of Wealth

Jul 09, 2018 | By: Ganim Financial | Posted In: Wealth

How do you use your wealth? What responsibilities do you believe come along with having wealth? How does your wealth influence your sense of who you are as a person?

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Volunteering Can Be Good for Your Health

Jul 09, 2018 | By: Ganim Financial | Posted In: Benefits & HR

A recent study of more than 2,700 volunteers age 18 and older, conducted by United Healthcare and Volunteer Match, found that 75% of those who . . . .

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Planning for the Present and Future of Your Business

Jul 03, 2018 | By: Ganim Financial | Posted In: Business Succession

Designed Destinations, a book by Lawrence J. Ganim, shares how business owners can create a thoughtful, measured plan to work on their business while preparing for the ultimate transfer or sale of the business.

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Federal Workplace Poster Requirements

Jul 03, 2018 | By: Ganim Financial | Posted In: Benefits & HR

Various federal workplace poster requirements apply to employers across the United States. View Federal Workplace Requirements chart.

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IRS Announces Second Change to HSA Family Contribution Limit

Jul 03, 2018 | By: Ganim Financial | Posted In: Benefits & HR

On April 26, 2018, the IRS announced that, for 2018, taxpayers with family HDHP coverage may treat $6,900 as the annual contribution limit to their HSAs.

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