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[font size="1" color="#FF0000"]LAST EDITED ON 05-31-06 AT 03:10PM (CST)[/font][br][br][font size="1" color="#FF0000"]LAST EDITED ON 05-31-06 AT 03:10 PM (CST)[/font] I don't think you can deliberately and explicitly exclude a whole segment of your …
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Here's the majority of the text of our automatic enrollment form: Best yet, you don’t have to do anything. You’re automatically enrolled. Just sign the form below and return it to (personnel). Our agency’s retirement plan offers: Before-tax contri…
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If no investment specification is made, by default all non-directed contributions go into a no-fee, interest-bearing money market account. None of the funds are lost while they remain in the account, though they don't grow much. Then the employee …
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Actually, I was thrilled when we heard we could do this. Keep in mind that it hasn't affected our participation rate because (as a governmental entity) we have a customized plan that allows us to mandate participation as a condition of employment. …
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I agree with Nae's inference about degree of damage and frequency of occurrence. Falling from a roof will probably not cause as much damage as falling while bungee jumping, but falling off a roof happens quite a bit more frequently. Running into a…
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Fortunately, I don't work in one of those 300+ or 500+ or 12,000+ employee workforces! I can track all this "special" leave on a single spreadsheet, in cooperation with our payroll system. One drawback, though: I have to hear all about it every ti…
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Our Sick Leave is for the employee's injury or illness only. We have a classification, "Emergency," that employees can use to take care of ill family members, or they can use Annual Leave. Emergency Leave comes out of the Sick Leave accrual, howev…
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Resolution: our attorney says, "Don't worry about it." Even though the organization of the subsections of our Sick Leave policy may leave something to be desired, everything necessary to defend our position is in there. The attorney did suggest gi…
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Yes, annual leave is the same as vacation, mostly. We don't consider time off to meet with your accountant or to take your car to the shop as a true rest-and-relaxation vacation, though, so we lump it all together and call it Annual. We do have a …
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[font size="1" color="#FF0000"]LAST EDITED ON 03-29-06 AT 01:51PM (CST)[/font][br][br]Your ex-'s HR may have told her to produce evidence of the divorce before they'd process her request... especially so if the employer was paying the entire premium…
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I've been warned that "accruing" leave is implying that you are giving the employee a property. If you pay the unused leave on termination, then the accrual can be considered deferred compensation, which is ruled by ERISA. So, you allow employees …
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Our situation is different from yours, so I don't know if my info will help! Almost all our employees work between 7 a.m. and 6 p.m., so we can schedule it during regular business hours. Our Fair lasts about four hours in an afternoon, starting wi…
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Ditto to everything Dutch2 said. Plus: We're heading into our third annual Safety Fair, so I feel like an old "pro." The year before last, we got the local Lions Club to do hearing tests, and this year our vision provider did eye tests. Our wo…
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Thanks for your input, everyone. Just last night, the Board did approve my recommendation to no longer allow the supplementation of wage replacement benefits with accrued paid time off. Now I have the pleasure of revising the Personnel Policy and …
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>Being a non-profit we know many of our employees are living from payday to payday Though we're not technically non-profit, we are VERY close, so, "Ditto." One more question - what is your benefit level? We're paying at 60% average weekly for …
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Oh, come on guys - surely someone offers STD?!
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No - sorry for not being clear. No, I'm talking about the notice that goes out with the election form upon termination. I searched my hard drive and found the old notice (based on the DoL model) and a version of the old election form that doesn't …
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I pulled out the regs and perused them carefully (how 'bout some redundancy first thing in the morning?). The surviving spouse is eligible for 36 months (18 + 18) of continuation coverage, but any time already spent in COBRA counts toward that tota…
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Do I understand that we now need to treat him as a regular COBRA participant (like HE is the ex-employee), and he became independently eligible as of his spouse's death.
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If you have a TPA administering your FSA, I'd let them hash it out. FSAs are pretty restricted by what the IRS allows. However, if you administer your FSA yourself, there are situations where a whitener COULD be construed as "medically necessary."…
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We've got separate forms for electing to pay insurance premiums pre-tax and choosing an amount to set aside in the flexible spending account. We only have 52 employees eligible for these benefits, so I can actually tramp around to each work site/of…
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A (partial) listing of items or events that qualify for reimbursement through an unreimbursed medical flexible spending account. If you offer one, that is, and don't already include a similar list... I'm continually getting asked what qualifies, e…
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[font size="1" color="#FF0000"]LAST EDITED ON 11-22-05 AT 09:58AM (CST)[/font][br][br]After a rate hold this year on the 2004 premium, we've been bombed with a 32% increase for next year, so the plan administrators are meeting to discuss adjusting t…
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I emailed you the enrollment form. I'm still looking for an electronic version of the summary plan description - sorry.
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Are you looking for a general Premium Only Plan authorization, or something specific to a flexible spending account (childcare and unreimbursed medical)? I can send you our POP, if you'd like. Actually, now that I think about it, the whole Plan is…
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Most of our insurance benefits can be processed online so it's not required of us to provide evidence of eligibility. But if the DoInsurance investigated our insurers and they required the eligibility proof of us, we'd have it available - we do req…
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Just got our initial quote - 32% increase! So I'm thinking we'll be farming our census out again. Of course, that's what happens when you have a full blown heart attack and an ongoing flutter, two cancers, three broken bones, four asthmatics or di…
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We got a rate hold from BCBS last year, after they offered a 1.7% increase. So this next year we expect a 17-23% increase. We won't know our actual premium increase until probably mid-November or later for a calendar year plan year. We're fully f…
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I like Marc's suggestion! We used to have mass retirement orientation meetings followed by opportunities for one-on-one questions with the retirement guy for existing participants. HR would sign us up for 15-minute appointments, and if we were so …