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Benefits Buzz January 2018

Did You Know?

The Senate tax bill would repeal the individual mandate - a hallmark of the Affordable Care Act (ACA) - beginning in 2019.

However, the Senate and House of Representatives must agree on tax reform legislation before a bill is signed by the president and becomes law.

For now, continue complying with any ACA requirements.  We will keep you apprised of new developments as they arise.



Ride-sharing has been popular for several years, but is just now moving into smaller towns and communities.  More and more are beginning to ask what is ride-sharing?  Do I have coverage if I decide to become a TNC driver?  What are the coverage gaps?

Benefits Buzz October 2017

Did You Know?

A federal judge struck down the Department of Labor's (DOL) overtime rule, which would have raised the Fair Labor Standards Act minimum salary threshold from $23,660 to $47,476.

Based on the court's ruling, the DOL will need to present a more reasonable salary threshold if it wishes to pass any future overtime rules.  This means employers should continue operating as usual, but they should be aware that an increase is possible down the road.

HR Insights: Snapchat "Snap Map" Safety

What is Snap Map?

Introduced in a June 2017 update, Snap Map allows users to share their exact location with friends within the Snapchat app.  Snap Map gathers location data using a smartphone's GPS sensor and displays the time of day an individual is at a specific location and his or her speed of travel.  This information is shown on a map that can be accessed when a user first opens Snapchat and pinches the screen to zoom out.

Cyber Security

Every day, more than 1 million people become victims of cyber crime, according to a study by Symantec, a computer security software company.  Businesses, both large and small, are increasingly reliant on the Internet for daily operations, creating attractive and potentially lucrative targets for cyber criminals.


There are many facets to an insurance claim.  One of these is called subrogation.  Subrogation means, in a sense, that one party has the right to "step into the shoes" of another party for the purpose of bringing a claim for damages.

Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to you.  This is done as a means of recovering the amount of the claim paid by the insurance carrier to you for the loss.

Tips to Prevent Ice Dams & Freezing Pipes

Ice Dams

An ice dam is an accumulation of ice at the lower edge of a sloped roof, usually at the gutter. When interior heat melts the snow on the roof, the water will run down and refreeze at the roof's edge, where temperatures are much cooler. Eventually, the ice builds up and blocks water from draining off of the roof. This, in turn, forces the water under the roof covering and into your attic or down the inside walls of your house.

Hiring Young Workers

Summer is coming, giving high school and college students a break from studying.  Will you be employing these young workers?  Now is a good time to refresh yourself on child labor laws and the perspective of someone new to the workforce.  Young workers may not have the experience or knowledge of hazards.  Please take time to protect these workers and your business from distress.

OSHA provides the following website focused on employer responsibilities for keeping young workers safe: