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News from Carrera Brokerage


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19 Jul

Health Care Industry Shifting to DC Model?

When given the choice between a high-cost, no-deductible health care plan and a cheaper one with a high deductible, 60% of employees choose the cheaper plan, according to a recent study. As part of the cheaper plan, employees are offered an HSA to which t

Fred Barstein  •7/18/13   When given the choice between a high-cost, no-deductible health care plan and a cheaper one with a high deductible, 60% of employees choose the cheaper plan, according to a recent study. As part of the cheaper plan, employees are offered an HSA to which the employer contributes. For example, a higher-cost plan where the employer paid $600 a month was...

16 Jul

AARP’s best employers for workers over 50

More than half of Americans have found themselves less financially secure than they thought they’d be at this point in their lives.

BY AARP For that reason, more expect to put off retirement and work later in life. The AARP may not have been thinking along those lines when it created its Best Employers for Workers Over 50 awards in 2001. But given retirement trends today, AARP looks practically precient in deciding to spotlight these employers. The winners of the awards -- co-sponsored by the Society for Human Resource...

9 Jul

Splitting boomers in two

Not all baby boomers are in the same boat when it comes to retirement savings.

BY REBECCA L. OLGEIRS Age and workplace experience are dramatically segmenting this generation and their respective retirement outlooks vary greatly, according to a report from the Insured Retirement Institute. The time has come, IRI says, to separate the generation into “early” and “late” boomers. Baby boomers were part of a generational bulge born immediately after the end of World War II. Today, the 79...

9 Jul

Administration quietly announces another PPACA delay

For a year, consumers will be on the honor system for subsidies under the Patient Protection and Affordable Care Act.

BY KATHRYN MAYER For a year, consumers will be on the honor system for subsidies under the Patient Protection and Affordable Care Act. That’s what the Obama administration quietly announced Friday, days after unexpectedly announcing they would delay the employer mandate penalty for another year. In a new 606-page rule published Friday, the administration said they would significantly scale back on the law’s requirements that...

9 Jul

DECLARE YOUR INDEPENDENCE WITH MY SOCIAL SECURITY

DECLARE YOUR INDEPENDENCE WITH MY SOCIAL SECURITY

By Everett M. Lo ndependence Day is a good time to declare your independence from heavy traffic, long lines, and visits to crowded offices by taking important matters into your own hands. When it comes to doing business with Social Security, you can! Anytime, anywhere Social Security’s website is waiting to let you take care of important matters yourself, independently, without the...

11 Jun

Federal Rule Allows Higher Out-Of-Pocket Spending For One Year

By Michelle Andrews Starting next year, the Affordable Care Act sets maximum limits on how much consumers can be required to pay out-of-pocket annually for their medical care. But some people with high drug costs may find the limits don't protect them yet. That's because the federal government is giving some health plans extra time to comply with the rules. Under the law, the maximum amount...

10 Jun

Employers firm up health insurance benefit plans for 2014

As more aspects of the ACA take effect, physicians can look forward to most patients not having to change health plans because of employer actions.

By SUE TER MAAT amednews staff More employers will continue offering insurance to their workers rather than dropping it as a benefit and make them seek out individual plans on state-level health insurance exchanges as fuller implementation of the Affordable Care Act nears. That means physicians can expect that most of their patients will maintain the same health insurance coverage in the near future...

5 Jun

Smokers cost employers $5,816 more than non-smokers

The price of a carton of Kools just went up.

BY DAN COOK The price of a carton of Kools just went up. Way up. But not for smokers. It’s employers who are paying, primarily in time lost to cigarette breaks by smoking employees. Smoking employees cost their employers an average of $5,816 more each year than do non-smoking workers. This figure comes from new research authored by Ohio State University researcher Micah...

3 Jun

What you need to know about Elder Abuse...

And Senior Citizen Bullying

Mill Pond Assisted Living - PRESENTS  What you need to know about elder abuse and senior citizen bullying. Guest Speaker James W. McCracken, NJ State Long Term Care Ombudsman Tuesday, June 25, 2013 @10:30 AM RSVP To reserve your seat Please Call Cathy - 201-782-0440 Mill Pond Assisted Living 124 Noyes Drive, Park Ridge, NJ  ...

3 Jun

Small Business Health Options Program (SHOP) will be ready for open enrollment on October 1

SHOP will offer employers multiple clear health insurance options and simplify making coverage available to employees

The Centers for Medicare & Medicaid Services (CMS) moved forward today with the release of a final rule and the application that provides small employers with easy-to-understand access to health insurance options for their employees.  Beginning on October 1, 2013, small employers will be able to choose from a range of coverage options through the Small Business Health Options Program,...

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