July - 2019

West Michigan's Employee Benefit Resource

Can Managing Your Tax Bill Reduce Your Medicare Costs?

Can Managing Your Tax Bill Reduce Your Medicare Costs?

There’s a reason why you shouldn’t pile all your cash into your 401(k): You’ll be paying hefty income taxes in retirement. Instead, it’s best to have your nest egg in a combination of tax-free, taxable and tax-deferred accounts so that you can manage your tax bracket in retirement. With the appropriate withdrawal strategy, you can even keep your income low enough to avoid higher Medicare premiums. Withdrawals from your 401(k) and traditional individual retirement accounts are

Family Care-giving Is a Long-Term Job

Family Care-giving Is a Long-Term Job

The years add up quickly (or perhaps not, depending on one’s point of view) for parental and spousal caregivers, many of whom are in it for the long haul. In fact, they provide an average of five years of care, no matter their gender. Although the stereotypical caregiver is female, that doesn’t necessarily hold true, according to a report from the Government Accountability Office on care-giving and retirement security — although female caregivers, spousal caregivers and Hispa

How to Prevent Common Desk-Related Injuries

How to Prevent Common Desk-Related Injuries

Did you know spending hours at a desk can affect your muscle and bone structure? It can cause you to develop serious conditions that are both painful and debilitating. If you have an office job or lead a sedentary lifestyle, there are ways to reduce your risk of a desk-related injury. Protect your joints and bones with these office-friendly techniques: Hands and Wrist Carpal tunnel is one of the most common injuries among office workers. It’s caused by severe pressure on the

Are You Asking Questions About ACA 1095s?

Are You Asking Questions About ACA 1095s?

Form 1095 is a collection of Internal Revenue Service (IRS) tax forms in the United States which are used to determine whether an individual is required to pay the individual shared responsibility provision. Individuals can also use the health insurance information contained in the form/forms to help them fill out their tax returns. The individual forms are: Form 1095-A "A Health Insurance Marketplace Statement" Form 1095-B "Health Coverage" Form 1095-C "Employer-Provided Hea

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