What Should Maryland Employers Do Before FAMLI Payroll Deductions Start in January 2027?
Quick Answer: Maryland employers must prepare for Family and Medical Leave Insurance (FAMLI) payroll deductions beginning January 1, 2027. Businesses should register, confirm contribution rates, update payroll systems, and notify employees before withholding starts. The State Plan rate is 0.9% of covered wages, with up to 0.45% deducted from employee paychecks. Employers considering private plans […]
How Do Delaware Paid Leave Waivers Work for Part-Time and Seasonal Employees?
Quick Answer: Delaware Paid Leave waivers may apply to temporary employees or those expected to work fewer than 25 hours per week when they are unlikely to meet the program’s benefit eligibility requirements. Workers generally need 12 months with their employer and 1,250 hours of service in Delaware during the previous 12 months. Employers using […]
What If Your Business Missed the 2026 New York Secure Choice Registration Deadline?
Quick Answer: If your New York business missed its 2026 Secure Choice registration deadline, confirm whether the program applies and complete the required registration as soon as possible. Secure Choice generally covers employers with at least 10 New York employees that meet its operating-history and retirement plan requirements. Businesses offering qualifying retirement plans may be […]
When Should a Business Consider Moving to a Self-Funded Health Plan?
For some businesses, a traditional fully insured health plan may no longer fit as healthcare costs change. A self-funded health plan is another way to pay for employee healthcare, but it also means the employer takes more responsibility for claims. Before making a change, businesses should review their current plan, claims history, financial position, and […]
What Is Stop-Loss Insurance? Self-Funded Health Plans Explained
Author: Bill Capece, Director of Business Development For employers considering a self-funded health plan, one of the most important concepts to understand is stop-loss insurance. Self-funding can give employers greater control over healthcare costs, access to claims data, and flexibility in plan design. But it also means the employer takes on responsibility for paying covered […]
What Benefits Must New Jersey Employers Include in Job Postings?
Quick Answer: New Jersey’s pay transparency law requires covered employers to include a general description of benefits and other eligible compensation programs in advertised new-job and transfer opportunities. The law does not require employers to offer a fixed list of benefits. NJDOL’s currently proposed, non-binding rules identify health, life and disability insurance, paid time off, […]
Which Employers Must Offer New Jersey Pre-Tax Commuter Benefits?
Quick Answer: New Jersey pre-tax commuter benefits generally must be offered by employers with at least 20 employees for each working day during at least 20 calendar workweeks in the current or immediately preceding calendar year. Employees working outside New Jersey can count toward the 20-employee employer threshold. Covered employers must give eligible employees the […]
How Data Analytics Is Changing Employee Benefits Strategy for Growing Businesses
Jennifer Schaefer, MBA, ChFC, CLU, RHU, REBC, SHRM-SCP Founder & CEO, JS Benefits Group | Forbes Business Council Contributor | Co-Host, Executive Leaders Radio For years, employee benefits decisions were often made using the same basic information: last year’s renewal rate, the carrier’s proposal, and what similar employers appeared to be offering. That approach […]
Employer Health Insurance Contributions: How Much Should Bucks County Employers Pay?
There is no single employer health insurance contribution that works for every Bucks County business. Start by making employee-only coverage reasonably affordable, then decide how much to contribute toward spouse and family coverage based on budget, employee wages, enrollment, and hiring needs. For 2026 plan years, applicable large employers should also review the 9.96% ACA […]
Are PBM Prescription Drug Costs Rising for Bucks County Employers?
If PBM prescription drug costs are rising, start by comparing pharmacy spending with prescription use. If employees are filling about the same number of prescriptions but the plan is paying more, review specialty drug costs, rebates, PBM fees, spread pricing, and the plan’s net pharmacy cost. A large increase without a similar increase in prescription […]
