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Effective Jan. 1, 2019, EEOC Removes Incentive Limits from Wellness Plan Rules

Effective Jan. 1, 2019, the EEOC removed the incentive limits from its final wellness plan rules under the ADA and GINA to implement a court’s order that vacated that portion of the final rules.

What is the Current State of the ACA?

On Dec. 14, 2018, a federal judge ruled in Texas v. United States that the entire Affordable Care Act (ACA) is invalid due to the elimination of the individual mandate penalty in 2019. The Department of Health and Human Services (HHS) also confirmed that it will continue administering and enforcing all aspects of the ACA.

Seasonal Affective Disorder: What It Is and How It Can Be Alleviated

Seasonal affective disorder (SAD) is like any other condition. It doesn’t make you a weak person because you suffer from it. And like any disorder, it can be treated, and prevented, if proper measures are taken. Here’s what you need to know.

The Wakeup Call I Needed

Visiting the doctor gave me the wakeup call that I needed. I had just turned 60 years old and went for my annual check-up. Everything seemed normal until the doctor prescribed cholesterol medicine. My heart sank. Never in my life did I have cholesterol issues, but on my 60th birthday, this changed. Happy birthday to me!

Multiple Storms and a New Category Introduced: What Dealerships Need to Know About Hurricanes

A disaster preparedness plan is something you hope you never use but, proper planning can give you the peace of mind that comes with knowing that your business is ready, willing, and able to shift into disaster response mode, if necessary.

6 Tips to Tailor Your Healthcare to Fit Your Company’s Needs

Choosing the right healthcare coverage is difficult and often seems like a one-size-fits-all package: expensive coverage with options you may not need. Your company’s line of business and employee demographics are the basis for designing insurance plans. Whether you’re a car dealership, tech startup, non-profit or call center, you have specific demographics that drive the cost of your plan. Understanding how to leverage those demographics to create a tailored plan is the key to creating cost-effective plans that keep employees happy.

Why Wellness? A Story by Mary Kreischer

After years of seeing so many factors play parts in an individual’s well-being, whether it be environmental, physical or mental, I learned that the human body has an enormous capacity to heal itself if given the right atmosphere and tools.  I became an advocate and wanted to support others to do the same.  I want to help people come to the same awareness that I did.  Today, with my clients, if I can reach just one person at a time and help them to change and encourage their awareness, then I have done something good in this life.

Are You Protected?

Studies show that working-age adults are more likely to suffer from lengthy disabilities in any given year than they are to die. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage, and when you become disabled and lose time at work, your source of income is eliminated. In addition to lost income, you are most likely experiencing an increase in medical expenses to deal with your disabling injury or illness.

Top Reasons for Workplace Discrimination Claims

Retaliation claims are the most frequently filed charge of discrimination—making up more than 48 percent of all charges filed in 2017. The number of retaliation lawsuits may continue to rise due to new regulations proposed by the EEOC. Discrimination lawsuits can be very time-consuming and expensive for employers and can result in a loss of employee morale or reputation within the community.

Tips for Selecting a Mental Health Professional

Finding the right mental health professional requires a bit of work. If you are depressed or have another serious mental illness, it can be challenging to do that work on your own. If you are in this situation, ask family, friends or your primary physician for assistance.

Mental Health Awareness is Key to Getting the Help You Need

Dr. Nelson is Director of Clinical Services at The Florida House Experience in Deerfield Beach. The Florida House is an innovative treatment center for mental health and substance use disorders that utilizes a whole person model treating clients medically, clinically, and with the latest technology to live happy and productive lives.

Are E-Cigarettes Safe?

In recent years, electronic cigarettes, or e-cigarettes, have flooded the market. Many people are turning to e-cigarettes to help them quit smoking; however, questions remain about their safety and effectiveness.

Mental Health Awareness: Anxiety Disorders

Anxiety disorders affect over 57 million adults in America—more than 26 percent of the U.S. population. Each anxiety disorder has different symptoms, but all the symptoms cluster around excessive, irrational fear and dread. It is essential to seek treatment if fear is a daily component of your life.

New Rules for Disability Claims

On Jan. 5, 2018, the Department of Labor (DOL) announced that effective April 1, 2018, employee benefit plans must comply with new requirements for disability benefit claims.

The Heart and Mind Connection

Even though the brain and the heart are located far from one another in the body, they are intrinsically connected and have a significant impact on how each other functions.

Spending Resolution Affects ACA Taxes

On Jan. 22, 2018, President Donald Trump signed into law a short-term continuing spending resolution to end the government shutdown and continue funding through Feb. 8, 2018. The continuing resolution impacts three taxes and fees under the Affordable Care Act (ACA).

Furnishing Deadline Delayed for 2017 ACA Reporting

The IRS has again determined that some employers, insurers and other providers of Minimum Essential Coverage need additional time to gather and analyze the information and prepare the 2017 Forms 1095-B and 1095-C to be furnished to individuals. The attached ACA Bulletin outlines the new due date and additional information regarding this change.

30 Facts You May Not Know About Rachel Sapoznik

Chief executive officers and presidents are usually the rock stars of their company and many times we only get to see one side of them. When it comes to our CEO and president Rachel Sapoznik, this is not the case – here are 30 facts you may not know about Rachel to round off Sapoznik’s 30-year anniversary.

House and Senate Pass Tax Cuts and Jobs Act

On Dec. 20, 2017, the tax reform bill, called the Tax Cuts and Jobs Act, passed both the U.S. Senate and the U.S. House of Representatives. The bill is now expected to be signed into law by President Trump by the end of the day. This News Brief provides an overview of the tax reform bill and its potential impact on employers.


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: 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.

3 Tips for a Stress-free Holiday Season

The holiday season brings joy and togetherness; it can also bring stress to individuals and families. 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

Many types of insurance may seem unnecessary, but they are designed to protect you in the event of an unexpected illness, accident, death or another event. Paying a small premium now can help protect you financially.

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?

Answers to the Most Frequently Asked Benefit Questions

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

Choosing a doctor is a critical decision. Primary care doctors, specifically, typically provide you medical care over a long period, helping you stay healthy, manage your care and recommend specialists when needed. 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.


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?


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).