by Chris Schrader | Jun 13, 2013 | Affordable Care Act, Blog, In The News
Can ERISA preclude the ability of an employer to redesign their workforce mix to avoid cost exposure under the ACA? Perhaps. ERISA Section 510 of ERISA makes it unlawful to interfere with employee benefits and protects the right to both present and future benefit...
by Chris Schrader | Jun 10, 2013 | Affordable Care Act, Blog, Human Resources, In The News
The most common reaction to the June jobs report released last Thursday is ” ho-hum”. Unemployment edged slightly up, but job creation was better than expected. All in all, OK. But reporting is missing the forest for the trees from my point of view....
by Chris Schrader | Jun 6, 2013 | Affordable Care Act, Blog
We are fast approaching the point where the full implementation of the ACA will be a mere 6 months away. Believe it or not, there are still 17 dominoes to fall between now and the end of the year. If you didn’t know there were that many, or don’t know what all...
by Chris Schrader | May 23, 2013 | Affordable Care Act, Blog
Pay or play, meaning offer health insurance to full-time employees (those working at least 30 hours per week) or choose to pay penalties is not a no-brainer decision. While many have predicted that lots of employers will simply drop coverage and pay the fine, I find...
by Chris Schrader | May 21, 2013 | Affordable Care Act, Blog
Employers are permitted two safe harbors under the ACA in order to avoid fines and penalties. Both involves the government’s idea of affordability (at the household level in real life, well, that’s another story). First, an employee’s cost for single coverage ONLY...
by Chris Schrader | May 20, 2013 | Affordable Care Act, Blog
When the Progressives were designing the ACA they took deliberate steps to avoid the “French Dodge” and put in strict rules around “controlled groups.” The French went down the ACA path decades ago, and their employers reacted rationally to...