Disability

Avoid 10 Common ADA Mistakes

Employers have specific responsibilities under the ADA; failure to adhere to these responsibilities can result in lawsuits and significant penalties. There are steps employers can take to protect themselves from liability and avoid common ADA mistakes.

diabetes

Diabetes: The Employer’s Role      

By providing diabetes management education and support for your employees, you can help them manage their conditions and remain productive workers.

Start Planning Today for a Stress-free Holiday Season

While the holiday season brings joy and togetherness, it can also bring stress to many individuals and families. Top holiday stressors include staying on a budget, managing multiple commitments and finding the perfect gift. Fortunately, by getting organized and planning out what you can ahead of time, you can help reduce your holiday stress.

Protect Yourself and Your Family

You know the importance of having health care coverage and a 401(k), but are you taking advantage of all the benefits offers? Voluntary benefits are additional benefit options offered through the company. Unlike traditional benefits like health coverage, employees are responsible for paying most or all of the cost of these voluntary options.

IRS Announces Employee Benefit Plan Limits for 2018

Many employee benefits are subject to annual dollar limits that are periodically increased for inflation. The Internal Revenue Service (IRS) recently announced cost-of-living adjustments to the annual dollar limits for various welfare and retirement plan limits for 2018.

Brain Awareness: Use it Or Lose it

The brain’s capacity is enormous, yet many scientists suggest that we only use a small percentage it. What are you doing to maximize your brain’s potential?

Confused About Common Health Insurance Benefits Terms?

Confused about common health insurance benefits terms? These FAQs cover the basics to take the mystery out of coverage terms.

Be a Wise Health Care Consumer

Wondering who to see? These guidelines will help you search for and choose a physician that will best suit you and your family’s needs.

Easy Halloween Safety Tips

During all the fun of Halloween, it is important to remember that this holiday requires some extra safety precautions.

Court Orders EEOC to Reconsider Wellness Rules

The U.S. District Court for the District of Columbia has directed the Equal Employment Opportunity Commission (EEOC) to reconsider its final wellness rules under the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA).

Do You Need STD Insurance?

The risk of disability is greater than most employees realize. When you become disabled and lose time at work, your source of income is eliminated. Nearly one-third of employees will miss more than one month of pay due to injury or illness. In addition to lost income, you are most likely experiencing an increase in medical expenses due to your disabling injury or illness.

What is Long-term Disability Insurance?

For working-age individuals, disability refers to a medical condition that reduces your ability to perform your job duties. Disability insurance is coverage that provides you with income protection should you lose time on the job due to an injury or illness. With disability coverage, you receive partial replacement of lost income.

Open Enrollment Glossary of Terms

At open enrollment time, you have many decisions to make. Don’t let confusing terms trip you up. Refer to this handy list of commonly used terms.

Understanding a Health Savings Account

Otherwise known as an HSA, a health savings account can be funded with your tax-exempt dollars, by your employer, by a family member or by anyone else on your behalf. Dollars from the account can help pay for eligible medical expenses not covered by an insurance plan, including the deductible, coinsurance, and even health insurance premiums, in some cases.

Fight Cancer With Food

A healthy lifestyle supports disease prevention, and adding the following body-strengthening foods into your diet can really go the extra mile.

Health Insurance Terms You Need To Know

In order to get the most out of your health care benefits, you need to understand the terms used by insurance companies, the government, health plans and health care providers.

Medicare Part D Notices Due

Each year, Medicare Part D requires group health plan sponsors to disclose to individuals eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable.

Millions Potentially Affected in Equifax Data Breach

Equifax, one of the largest credit reporting agencies in the United States, was recently the victim of a massive cyber attack—an attack that may have compromised the personal information of 143 million people.

Donating to Disasters and Avoiding Scams

Hurricane Harvey and Hurricane Irma are the strongest storms to make landfall in the United States since Hurricane Charley in 2004. News of the damage is prompting people to help in whatever ways they can. Unfortunately, some dishonest people prey upon people’s good intentions, creating fake charity campaigns to exploit victims and take advantage of those who want to help.

LIVE FROM FSS 08-31-17 With Healthcare Advocate and Expert Rachel Sapoznik

Rachel Sapoznik was recently interviewed on Facebook Live by Florida Sun Studios. She shared a great deal of insight on healthcare, her 30 years in business, wellness initiatives, ways to empower yourself regarding your health and more. If you missed the Facebook Live, click on the link to catch up.

Child Vaccinations: Don’t Wait to Vaccinate

Child Vaccinations: Don’t Wait to Vaccinate  Nearly 4 million babies are born in the United States every year, and the U.S. Centers for Disease Control and Prevention (CDC) recommends vaccination against 16 vaccine-preventable diseases. Unfortunately, not all parents ensure their children are properly immunized. Keeping kids healthy Before vaccinations became widely available, diseases like measles, […]

Senate Rejects Efforts to Repeal The ACA

In the early morning hours of July 28, 2017, members of the U.S. Senate voted 49-51 to reject a “skinny” version of a bill to repeal and replace the Affordable Care Act (ACA), called the Health Care Freedom Act (HCFA).
This was the final vote of the Senate’s 20-hour debate period, and effectively ends the Republicans’ current efforts to repeal and replace the ACA. However, the skinny repeal bill may be reintroduced at some point in the future.

Senate Votes to Take Up the AHCA for Debate

On July 25, 2017, members of the U.S. Senate voted 50-50 to open up the American Health Care Act (AHCA) for debate and amendments in the Senate, with Vice President Mike Pence casting the tie-breaking vote in favor of the measure. The AHCA is the bill to repeal and replace the Affordable Care Act (ACA) that passed in the House of Representatives on May 4, 2017.
As a result of the vote, the Senate will now begin debate on the AHCA, as it was passed by the House. However, amendments are likely to be made to the bill before a final vote is taken. The Senate’s August recess has been delayed by two weeks to accommodate a vote on an ACA repeal and replacement bill.

Senate Releases Draft ACA Replacement Bill

On June 22, 2017, Republicans in the U.S. Senate released a draft of their proposal to repeal and replace the Affordable Care Act (ACA), called the Better Care Reconciliation Act (BCRA). The Senate bill closely mirrors the proposal passed in the House of Representatives—the American Health Care Act (AHCA)—with some differences.

Palmetto57’s Wellness Journey with Sapoznik Insurance

While on a mission to reduce employee turnover and recruitment costs, Palmetto57 wanted to promote good health among its team members and create a positive work environment. By encouraging and fostering a healthy workforce, Palmetto57 can improve productivity, business performance, morale, employee engagement and more.

SMOKING: THINK ABOUT QUITTING

Want to quit smoking, but finding it difficult? Many ex-smokers say quitting was the hardest thing they ever did. It’s okay to have mixed feelings about quitting, but don’t let that stop you. Find reasons to quit that are important to you.

House Republicans Pass Amended AHCA

On May 4, 2017, members of the U.S. House of Representatives voted 217-213 to pass the American Health Care Act (AHCA), after it had been amended several times. The AHCA is the proposed legislation to repeal and replace the Affordable Care Act (ACA).

The AHCA needed 216 votes to pass in the House. Ultimately, it passed on a party-line vote, with 217 Republicans and no Democrats voting in favor of the legislation. The AHCA will only need a simple majority vote in the Senate to pass.

If it passes both the House and the Senate, the AHCA would then go to President Donald Trump to be signed into law.

Mental Health Awareness

As of 2014, the Affordable Care Act (ACA) requires most individual and small group health insurance plans, including plans sold on the Marketplace and Medicaid Alternative Benefit Plans, to cover mental health and substance abuse disorder services. This includes behavioral health treatment, counseling, and psychotherapy.

Additionally, health plans must comply with the requirements set forth in the Mental Health Parity and Addiction Equity Act (MHPAEA), meaning coverage for mental health and substance abuse services generally cannot be more restrictive than coverage for medical and surgical services.

Autism Spectrum Disorders

Autism spectrum disorders (ASDs) refer to a group of developmental disabilities that vary in severity and affect socialization, communication and other behaviors in those that have them. The Centers for Disease Control and Prevention (CDC) estimates that roughly 1 in 68 children have an ASD.

House Committees Release ACA Replacement Bills

On March 6, 2017, Republican leadership in the U.S. House of Representatives issued two bills to repeal and replace the Affordable Care Act (ACA) through the budget reconciliation process. These bills, which were issued by the Ways and Means Committee and the Energy and Commerce Committee, are collectively known as the American Health Care Act.

American Heart Month – February 2017

Do you know your heart disease risk level?

TRUMP SIGNS EXECUTIVE ORDER ON THE ACA

On Jan. 20, 2017, President Donald Trump signed an executive order addressing the Affordable Care Act (ACA), as his first act as president. The order states that it is intended to “to minimize the unwarranted economic and regulatory burdens” of the ACA until the law can be repealed and eventually replaced.

Congress Clears Path for ACA Repeal

On Jan. 13, 2017, the U.S. House of Representatives passed a budget resolution for fiscal year 2017 to begin the process of repealing the Affordable Care Act (ACA).