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Frequently Asked Questions

Exploring homeowners insurance can be intricate. Our FAQ section is tailored to offer clarity and address your queries.

Do employers have to offer health insurance?

The Affordable Care Act (ACA) requires Applicable Larger Employers (those with 50 or more full-time and full-time equivalent employees) to provide health insurance coverage to their full-time employees.

If an employer fails to meet this requirement, they may be assessed penalties by the IRS.

Small businesses that do not qualify as Applicable Large

Employers are not legally required by the ACA to offer health insurance to their employees.

State laws and regulations vary. Stay compliant by familiarizing yourself with the requirements in your state.

Should I offer dental insurance and vision insurance?

Offering dental and vision insurance can help your business stay competitive when recruiting. Many job seekers look at health insurance benefits, including dental and vision insurance, when choosing between jobs.

Preventive care can lead to savings in the long run. Both dental and vision healthcare have long-term benefits to employees and can help reduce absenteeism and may improve productivity.

What is critical illness insurance?

Critical illness insurance is a type of insurance policy that typically pays out a lump sum of money in the event that the policyholder is diagnosed with a serious illness such as cancer, heart attack, or stroke, depending on the specific policy.

Critical illness insurance is designed to help provide financial support to the policyholder and their family during a difficult time and can help cover the out-of-pocket costs of medical treatment, living expenses, and other related expenses.

What is a PEO?

PEO stands for Professional Employer Organization. PEO solutions typically help small and midsize businesses manage certain HR responsibilities and risks through a co-employment arrangement.

Co-employment is a relationship between a PEO and small business in which both parties share certain employer responsibilities. The PEO takes on certain HR and administrative tasks, such as payroll processing, benefits administration and securing workers’ compensation insurance, while the small business retains control over the day-to-day operations and management of their employees.

By working with a PEO, businesses can often save time and money while also gaining access to HR expertise and resources.

Does an employer have to offer COBRA?

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act, which is a federal law that allows eligible employees and their dependents to continue their health insurance coverage after leaving a job or experiencing certain life events, such as a reduction in work hours or a divorce.

Generally, COBRA applies to group health plans maintained by employers that had at least 20 employees working on more than 50 percent of their typical business days in the previous calendar year.

For more information, see the U.S. Department of Labor FAQ about COBRA.

What is an SPD?

SPD stands for Summary Plan Description and is a document that outlines the features, rights, and responsibilities of a retirement plan or other employee benefit plan.

It is required by law to be provided to all plan participants and beneficiaries and must be written in a way that is clear and understandable. Failure to provide an SPD can result in a daily fine.

An SPD typically includes information on how the plan works, what benefits are provided, how to file a claim, and how to appeal a denied claim.