Holden Agency Insurance Blog http://www.holdenagency.com/blog en Final Shared Responsibility Regulations http://www.holdenagency.com/blog/final-shared-responsibility-regulations <p>Today&rsquo;s update provides more detailed information about the final Shared Responsibility Regulations (also referred to as &ldquo;Pay or Play&rdquo;) as referenced in our February 12, 2014 email.&nbsp;&nbsp;The final regulations maintain many elements of the proposed regulations which is what we have all been using for our planning efforts for the past year.&nbsp; The attached document provides an overview of many elements of the final regulations as well as some transition relief, of which 2 are outlined below.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/final-shared-responsibility-regulations" dc:identifier="http://www.holdenagency.com/blog/final-shared-responsibility-regulations" dc:title="Final Shared Responsibility Regulations" trackback:ping="http://www.holdenagency.com/trackback/576" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/final-shared-responsibility-regulations" target="_blank">read more</a></p> Employee Benefits Home Page Final Shared Responsibility Regulations Employee Benefits Fri, 04 Apr 2014 14:07:31 +0000 mbenoit 576 at http://www.holdenagency.com Affordable Care Act - Final Shared Responsibility Regulations and New Delays http://www.holdenagency.com/blog/affordable-care-act-final-shared-responsibility-regulations-and-new-delays <p>Today&rsquo;s update provides you with brief information about the final regulations that were released on February 10, 2014 for the Shared Responsibility requirements of the Affordable Care Act (ACA).&nbsp; Additional delays and transitional provisions have been added to the final regulations.&nbsp; Below is an excerpt from the Fact Sheet issued by the U.S. Treasury Department.&nbsp;<a href="/sites/default/files/blog-content/ACAFactSheet02102014.pdf"><strong>The Fact Sheet</strong></a>&nbsp;is also attached.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/affordable-care-act-final-shared-responsibility-regulations-and-new-delays" dc:identifier="http://www.holdenagency.com/blog/affordable-care-act-final-shared-responsibility-regulations-and-new-delays" dc:title="Affordable Care Act - Final Shared Responsibility Regulations and New Delays" trackback:ping="http://www.holdenagency.com/trackback/573" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/affordable-care-act-final-shared-responsibility-regulations-and-new-delays" target="_blank">read more</a></p> Employee Benefits Home Page Affordable Care Act Employee Benefits Thu, 13 Feb 2014 16:20:50 +0000 mbenoit 573 at http://www.holdenagency.com What You Don't Know Can Scare You Later http://www.holdenagency.com/blog/what-you-dont-know-can-scare-you-later <p> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <a href="http://www.iiaba.net/vu" title="www.iiaba.net/vu">www.iiaba.net/vu</a></p> <p> Consumer Article:<br /> &ldquo;What You Don&rsquo;t Know About Renters Insurance&rdquo;</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/what-you-dont-know-can-scare-you-later" dc:identifier="http://www.holdenagency.com/blog/what-you-dont-know-can-scare-you-later" dc:title="What You Don&#039;t Know Can Scare You Later" trackback:ping="http://www.holdenagency.com/trackback/572" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/what-you-dont-know-can-scare-you-later" target="_blank">read more</a></p> Holden Agency Home Page Claim Homeowners Claim Insurance Landlord Liability Personal Contents Renters Renters Insurance Tenants Tenants Insurance Personal Insurance Fri, 31 Jan 2014 20:33:46 +0000 Sharon Little 572 at http://www.holdenagency.com Having A Detailed List Can Make All The Difference In Your Claims Experience http://www.holdenagency.com/blog/having-detailed-list-can-make-all-difference-your-claims-experience <p><strong>Take a Home Inventory</strong></p> <p>&nbsp;</p> <p>Pause for a moment and make a mental list of the items in your home. Electronics, furnishings, art and collectibles; it&rsquo;s probably a fairly extensive inventory of items that are all worth protecting. If you ever need to file an insurance claim in the event of damage or theft, an actual home inventory can make the process easier. Here are some tips to get you started.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/having-detailed-list-can-make-all-difference-your-claims-experience" dc:identifier="http://www.holdenagency.com/blog/having-detailed-list-can-make-all-difference-your-claims-experience" dc:title="Having A Detailed List Can Make All The Difference In Your Claims Experience" trackback:ping="http://www.holdenagency.com/trackback/571" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/having-detailed-list-can-make-all-difference-your-claims-experience" target="_blank">read more</a></p> Holden Agency Home Page Appraisals Cloud Storage Home Inventory Insurance Insurance Claim Inventory Receipts. Personal Insurance Fri, 17 Jan 2014 16:53:45 +0000 Sharon Little 571 at http://www.holdenagency.com Mental Health Parity and Addiction Equity Act http://www.holdenagency.com/blog/mental-health-parity-and-addiction-equity-act <p>Today&rsquo;s update provides information about the final regulation for the Mental Health Parity and Addiction Equity Act (MHPAEA).&nbsp; The interim regulations were released in 2009 and compliance was required starting July 1, 2010.&nbsp; The final regulations closely follow the interim regulations and are effective for plans renewing on or after July 1, 2014.&nbsp; Until then, plans are required to comply with the interim regulations.&nbsp;</p> <p>Here are a few areas in which the final rule differs from the interim regulations:</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/mental-health-parity-and-addiction-equity-act" dc:identifier="http://www.holdenagency.com/blog/mental-health-parity-and-addiction-equity-act" dc:title="Mental Health Parity and Addiction Equity Act" trackback:ping="http://www.holdenagency.com/trackback/570" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/mental-health-parity-and-addiction-equity-act" target="_blank">read more</a></p> Employee Benefits Home Page Mental Health Parity and Addiction Equity Act Employee Benefits Fri, 10 Jan 2014 16:30:31 +0000 mbenoit 570 at http://www.holdenagency.com ACA - Measuring Hours For Full-Time vs. Part-Time Employees http://www.holdenagency.com/blog/aca-measuring-hours-full-time-vs-part-time-employees <p>Today&rsquo;s update provides you with a reminder of a process you may want to consider implementing if you are a Large Employer and therefore subject to the Shared Responsibility (e.g., Pay or Play) provision of the Affordable Care Act (ACA).&nbsp; You will remember that the ACA requires that Large Employers (employers with 50 or more full-time employees including full-time equivalents) offer health insurance coverage to full-time employees starting in 2015.&nbsp; Full-time is defined as 30 hours per week or 130 hours per month.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/aca-measuring-hours-full-time-vs-part-time-employees" dc:identifier="http://www.holdenagency.com/blog/aca-measuring-hours-full-time-vs-part-time-employees" dc:title="ACA - Measuring Hours For Full-Time vs. Part-Time Employees" trackback:ping="http://www.holdenagency.com/trackback/567" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/aca-measuring-hours-full-time-vs-part-time-employees" target="_blank">read more</a></p> Employee Benefits Home Page Employee Benefits Fri, 20 Dec 2013 18:57:38 +0000 mbenoit 567 at http://www.holdenagency.com Annual CHIP Notice http://www.holdenagency.com/blog/annual-chip-notice-0 <p>Today&rsquo;s update provides a reminder about the CHIPRA program.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/annual-chip-notice-0" dc:identifier="http://www.holdenagency.com/blog/annual-chip-notice-0" dc:title="Annual CHIP Notice" trackback:ping="http://www.holdenagency.com/trackback/566" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/annual-chip-notice-0" target="_blank">read more</a></p> Employee Benefits Home Page CHIP Employee Benefits Fri, 13 Dec 2013 13:42:54 +0000 mbenoit 566 at http://www.holdenagency.com Preventing Heavy Roof Load And Collapse http://www.holdenagency.com/blog/preventing-heavy-roof-load-and-collapse <p>Snow and ice build up can wreak havoc by placing additional loads on roofs, and supporting structures. Snow and winter storm event severity can be a challenge in Maine.&nbsp; You know the storms are coming and you know winter will be here for a while.&nbsp; If you have spent any amount of time in Maine during the winter you have must seen or heard people talking about clearing snow from their roofs.&nbsp; The best advice is to plan ahead and be ready&nbsp;when the snow or ice arrives.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/preventing-heavy-roof-load-and-collapse" dc:identifier="http://www.holdenagency.com/blog/preventing-heavy-roof-load-and-collapse" dc:title="Preventing Heavy Roof Load And Collapse" trackback:ping="http://www.holdenagency.com/trackback/565" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/preventing-heavy-roof-load-and-collapse" target="_blank">read more</a></p> Holden Agency Home Page Home Insurance Roof Rake Snow Removal Winter Storms Personal Insurance Thu, 12 Dec 2013 13:26:30 +0000 Sharon Little 565 at http://www.holdenagency.com Recent FSA Changes http://www.holdenagency.com/blog/recent-fsa-changes <p>&nbsp;</p> <p>Today&rsquo;s update discusses the recent change issued by the IRS to the Health Flexible Spending Accounts (FSAs) &ldquo;use it or lose it&rdquo; rule.&nbsp; The IRS issued a notice on 10/31/13 (IRS Notice 2013-17) allowing a limited carryover of unused Health FSA funds.&nbsp; Beginning with the 2014 Health FSA plan year (which includes carryover from the 2013 plan year into the 2014 plan year), employers who <u>do not</u> allow a grace period can choose to allow Health FSA participants to roll over up to $500 to use in the following plan year.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/recent-fsa-changes" dc:identifier="http://www.holdenagency.com/blog/recent-fsa-changes" dc:title="Recent FSA Changes" trackback:ping="http://www.holdenagency.com/trackback/564" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/recent-fsa-changes" target="_blank">read more</a></p> Employee Benefits Home Page Recent FSA Changes Employee Benefits Wed, 11 Dec 2013 16:52:07 +0000 mbenoit 564 at http://www.holdenagency.com Out-of-Pocket and Deductible Limitations under the Affordable Care Act http://www.holdenagency.com/blog/out-pocket-and-deductible-limitations-under-affordable-care-act <p>Today&rsquo;s update provides information about limitations on Deductibles and Out-of-Pocket Maximums starting in 2014 as required under the Affordable Care Act.&nbsp; All employer based plans (small group, large group and self-funded plans) will be subject to certain limits on out-of-pocket maximums starting in 2014.&nbsp; Small group plans will have limitations on Deductibles starting in 2014.&nbsp; Please see the attached document for an overview of these requirements.</p> <!-- <rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:trackback="http://madskills.com/public/xml/rss/module/trackback/"> <rdf:Description rdf:about="http://www.holdenagency.com/blog/out-pocket-and-deductible-limitations-under-affordable-care-act" dc:identifier="http://www.holdenagency.com/blog/out-pocket-and-deductible-limitations-under-affordable-care-act" dc:title="Out-of-Pocket and Deductible Limitations under the Affordable Care Act" trackback:ping="http://www.holdenagency.com/trackback/563" /> </rdf:RDF> --> <p><a href="http://www.holdenagency.com/blog/out-pocket-and-deductible-limitations-under-affordable-care-act" target="_blank">read more</a></p> Employee Benefits Home Page Employee Benefits Fri, 08 Nov 2013 13:29:57 +0000 mbenoit 563 at http://www.holdenagency.com