States Starting to See Premium Rate Increases

By Amy Gallagher, MBA
Vice President of Major Accounts
Cornerstone Group, a UBA Partner Firm
United Benefit Advisors is focused on premium rates nationwide and will be monitoring state decisions very carefully. This week we will look at Rhode…

The Tomato Paradox of Health Care Reform

By Mick Constantinou, Advisor, Employee BenefitsConnelly, Carlisle, Fields, & Nichols, A UBA Partner Firm
There is an old paradoxical adage that, “Knowledge is knowing that a tomato is a fruit, while wisdom is not putting it in a fruit salad.”&…

“Everybody’s Talking At Me… I Don’t Hear A Word They’re Saying,”

By Lesa Caputo, Benefit AdvisorBeneflex Insurance Services, A UBA Partner Firm
And Other Common Sentiments of Today’s Saturated Employers
You know that feeling when you arrive at your destination, and because your mind had been so occupied during you…

PPACA: Tax Credits vs. Subsidies – Do You Know The Difference?

Peter Freska, CEBSBenefits AdvisorThe LBL Group, A UBA Partner Firm
So many of us have heard about tax credits in relation to Health Care Reform, but does everyone know the difference?
Let’s start with the part most people seem to understand, and th…

Counting Hours and the Public School Substitute


By Mark Bagnall
Founder and President
The Bagnall Company, a UBA Partner Firm 

At this time, PPACA does not differentiate by “type” of employee. Many public schools now find themselves in a position of having to “count” hours under PPACA for substitute teachers…and if those teachers are averaging more than 30 hours per week, they may need to be classified as full time employees under PPACA.

One suggestion we developed in working with one of our public school customers is to have two job descriptions for substitutes: One job description would be for the “part time” substitute and would allow no more than (let’s say) 29 hours per week of work. The other description would be for the more “permanent” type of substitute that is filling in due to leave of absence and/or long term illness.

By incorporating this idea, in some instances, it may minimize the work of tracking actual hours and provide a sound basis for dealing with a substantial administrative situation. Similar logic could be used for other positions in this sector. As always, we suggest a review of any decisions made by your legal counsel.

Wolf in Sheep’s Clothing

By Jennifer Bundy-CobbCEBS, VP/Sr. Employee Benefits AdvisorThe Wilson Agency, A UBA Partner Firm 
In the March issue of Benefits Selling, I read “Wellness programs save big on health costs.” This article discussed a study published by the Jou…

Exploring the Difference Between Common PPACA Terms

Do you know the difference between “essential health benefits” and “minimum essential coverage”? How about “minimum value coverage”? Read on and find out!

UBA Launches PPACA Resource Center

United Benefit Advisors (UBA) announces the launch of its compliance solutions aimed at helping employers understand their obligations and opportunities under the Patient Protection and Affordable Care Act (PPACA).

In Brief: Agencies Issue Rules on Reinsurance Fees

A brief roundup of HR news and trends, including new guidance on the reinsurance fee under PPACA.

In Brief: Agencies Issue Rules on Reinsurance Fees

A brief roundup of HR news and trends, including new guidance on the reinsurance fee under PPACA.