Holden Agency Insurance Blog

Affordable Care Act - Measurement Process for Identifying Full-Time Employees

mbenoit — Mon, 13 May 2013 13:10:44 +0000

Today’s update focuses on the regulations of the Affordable Care Act that permit an employer to establish Measurement Periods to determine whether Variable Hour and Seasonal Employees are full-time employees or part-time employer as defined under the ACA. As you will recall from previous communications, Large Employers (employers with 50 or more full-time employees including full-time equivalents) have an obligation to offer health insurance coverage to full-time employees or may otherwise pay a penalty. A full-time employee is defined as an employee working an avera

Tips for Parents: How to Safeguard Your Teen Driver on the Road

Sharon Little — Tue, 07 May 2013 19:58:04 +0000

New Study Shows that Teen Auto Deaths Are on the Rise after Several Years of Decline

April 30, 2013

FOR IMMEDIATE RELEASE

New York Press Office: (212) 346-5500; media [at] iii [dot] org

April is Electrical Safety Month

Sharon Little — Fri, 05 Apr 2013 20:42:22 +0000

Electricity is probably something you don’t give much thought to. After all, you just flip a switch and it’s there. Actually it’s constantly there whether the switch is on or not and that’s why sometimes it’s good to review your electrical wiring from the mindset of safety.

Affordable Care Act - Shared Responsibility Requirements for Employers March 21, 2013

mbenoit — Thu, 21 Mar 2013 13:39:06 +0000

Today’s update provides an overview of important elements of a ACA regulation released late December 2012. The regulation, 26 CFR Parts 1, 54 and 301, Shared Responsibility for Employers Regarding Health Coverage, provides further guidance on a Large Employer’s responsibility to provide access to health insurance coverage in 2014. Please review the attached document.

A Picture Speaks A Thousand Words

Sharon Little — Fri, 01 Mar 2013 19:39:08 +0000

These days everyone seems to have a cell phone and those cell phones usually support picture taking. There may be no better way to use that feature than for documenting the scene of an accident. Photos show so much more than words can convey. Photos show exactly where each vehicle ended up after the collision and the extent of the damage. Both of these bits of information can speed up the processing of your claim and get you closer to putting the whole incident behind you.

Here are some pointers for those pictures:

Ice dams and roof snow removal

Sharon Little — Mon, 11 Feb 2013 15:18:47 +0000

An ice dam has the potential to cause serious damage to both your roof and the inside of your home. It is important to take the right steps to protect your home from the risks associated with heavy snow and ice.

What is an ice dam?

Exchange Notice Requirement Delayed - March 1, 2013

mbenoit — Tue, 29 Jan 2013 18:01:40 +0000

Today’s update focuses on the recent announcement by the Departments of Labor, Health and Human Services and Treasury to delay the March 1, 2013 notice requirement to inform employees about Exchanges. As you know from prior communications, all employers (small and large) have an obligation to provide notice to their employees about the Exchanges that are being created as required by the Affordable Care Act. Exchanges are marketplaces (websites) where individuals and small businesses will be able to shop for health insurance starting in 2014. Many states are in the pr

Generating Heat And Lights

Sharon Little — Fri, 18 Jan 2013 20:37:36 +0000

Portable Generator Safety Information

Who Do You Belong To?

Sharon Little — Wed, 09 Jan 2013 19:13:58 +0000

Preventing Identity Theft

Your Identity Belongs to You. Protect It, Too.

The best way to protect yourself against identity theft is to prevent it. If your identity is stolen, you'll be able to lessen problems by being prepared to act quickly.

Start with Good Preventive Habits

New HCR Regulations - Full-Time Employee and Waiting Period

mtardif — Tue, 08 Jan 2013 12:52:44 +0000

Today’s update focuses on two new regulations recently issued by the federal government for the PPACA that provide further clarification on defining Full-Time Employees, and the Waiting Period an employer can impose before offering coverage to newly eligible employees. Under PPACA, Large Employers, employers with 50 or more full-time employees, are required to offer health coverage to full-time employees or may be subject a penalty (also referred to as “Pay or Play”) . While these new regulations do not address all elements of the “Pay or Play” requ