March - 2020

West Michigan's Employee Benefit Resource

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10 Ways To Stay Social During Social Distancing

10 Ways To Stay Social During Social Distancing

To limit the spread of COVID-19, we all have to do our part. For some, a few days at home may be a welcome break from the daily grind. But if not managed correctly, increased time at home during these stressful, uncertain times can take a toll on your mental and physical health. The American Psychological Association reports that social isolation can lead to poor sleep, poor cardiovascular health and depressive symptoms, as well impairing our ability to focus and manage em

Eating Healthy Doesn’t Have to Be
Expensive

Eating Healthy Doesn’t Have to Be Expensive

Eating a well-balanced diet is a key component of living a long, healthy life. Many Americans think that eating healthy means they have to empty their wallets, which isn’t necessarily the truth. Keep the following money saving tips in mind next time you’re grocery shopping: Make a weekly meal plan. Before you go to the store, think about what meals and snacks you want for the week. Read recipes thoroughly so you can make an accurate list of everything you need, reducing th

IRS Allows HDHP to Cover Coronavirus Testing with Little or No Deductible

IRS Allows HDHP to Cover Coronavirus Testing with Little or No Deductible

HIGH DEDUCTIBLE HEALTH PLANS AND EXPENSES RELATED TO COVID-19 Many of the nation’s largest insurers have announced that they will be waiving the deductible or other cost-sharing for testing or other expenses related to the 2019 Novel Coronavirus (“COVID-19”). Plan sponsors that offer coverage to employees through a high deductible health plan (“HDHP”) asked whether this waiver would affect the health plan’s status as a high deductible health plan and, relatedly, a participant

HHS Increases Civil Penalties for HIPAA
Violations

HHS Increases Civil Penalties for HIPAA Violations

The Department of Health and Human Services (HHS) recently published a final rule increasing the civil monetary penalties for violations of laws enforced by HHS, including the HIPAA privacy and security rules. HHS is required to adjust these penalties for inflation each year to improve their effectiveness and maintain their deterrent effect. The new penalty amounts are effective for penalties assessed on or after Jan. 17, 2020. 2020 HIPAA Civil Penalties HHS may assess civi

The Insurance Policies You Need After Retirement

The Insurance Policies You Need After Retirement

Retirement is when everything changes. Retirees may end up with new schedules, new hobbies and even new homes. In the midst of all these exciting changes, don't overlook the mundane: your insurance coverage. With a new season of life at hand, old policies may no longer meet your needs. However, seniors should be cautious about canceling their policies. You need to consider your future insurability as well as your individual circumstances and life goals. These guidelines can h

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