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Affordability Percentages Will Decrease for 2018

On May 5, 2017, the Internal Revenue Service (IRS) issued Revenue Procedure 2017-36 to index the contribution percentages in 2018 for purposes of determining affordability of an employer’s plan under...

What Is A Qualified Life Event?

You should always elect benefits during open enrollment to ensure you get the coverage you need; however, once enrolled in health coverage like a cafeteria or Section 125 plan, you...

Online Enrollment to End in Shop Exchanges

On May 15, 2017, the Centers for Medicare and Medicaid Services (CMS) announced significant changes to the Small Business Health Options Program (SHOP) Exchanges under the Affordable Care Act (ACA)....

What If the Employer Mandate is Repealed?

The Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer affordable, minimum value health coverage to their full- time employees in order to avoid possible penalties. Because this...

Is It Wise to Trade Your Pension for a Lump Sum?

Most private employers have already replaced traditional pensions, which promise lifetime income payments in retirement, with defined contribution plans such as 401(k)s. But 15% of private-sector workers and 75% of...

Taxability of Wellness Program Rewards

Employer-sponsored wellness programs often incorporate rewards or incentives to encourage employees to participate. Because there are numerous legal requirements for wellness program design, employers sometimes overlook the federal tax implications...

Are You Ready to Retire?

It may be obvious, but the earlier you retire, the less time you'll have to save, and the more years you'll be living off your retirement savings. The average American...

The Importance of Beneficiary Designations

At Rose Street Advisors (RSA), we believe it is an important part of our role as advisors to educate, inform and remind our clients and their fellow advisors about important...

Hospital Indemnity Coverage

According to the most recent data from the U.S. Centers for Disease Control and Prevention, 12.2 million of the 130.4 million visits to the emergency room required hospital admission. It's...