Issue: # 105

October 30 , 2013

Click to watch ADP Workdforce Now

Dear :

We constantly are on the look out for ideas our clients may benefit from. Recently we sat down with ADP to discuss their Workforce Now product. It is a product that may fit the needs of many of our clients who do not have a dedicated HR department. Our partnership with ADP will result in a 20% reduction of their rates for our clients.

This is NOT the ADP Professional Employer Organization (PEO), Total Workforce, where you share employees with ADP. You do not have to join the PEO! Your employees are your employees , but you do need to have your payroll with ADP.

Here are five components in the Workforce One product that you can add to payroll that may be attractive. We especially like the Human Resource Management feature.

ADP HR Video

1) Human Resource Management
2) Time and Attendance
3) Human Capital Mangement (recruitment to retirement)
4) Benefits Administration
5) Health Care Reform: Many aspects of Affordable Care management sit at the intersection of payroll, time and attendance, and benefits administration, which means ADP has the knowledge and resources that can help businesses manage ACA requirements.

If you would like to see some pricing options, send us an email to Bill or Vanessa today. Lastly we always try to support local events, check out the Children's Smile Coalition Young Heroes.

Sincerely,

Bill Randell CLU ChFC

Vanessa Costa CLU,CHFC,

Wellness Tax Credit

Have you taken advantage of it?

Are you spending money on Safety And Workplace Improvements?

We mentioned this in the last newsletter. We can help you take advantage of this credit. It is NOT just for the implementation of a wellness program. YOu may already be spending money on safety measures in the plant and office. E-mail us today!

Did you know that your clients (with fewer than 200 employees) may be eligible to apply for Massachusetts Wellness Tax Credit for up to 25% of their program costs (up to $10,000 per year)- if their employee wellness programs meet the Massachusetts Department of Public Health standards?

Blue Cross has a great FAQ page, click here. The actual application to apply for the credit is actually very easy to complete, click here

Blue Cross Healthy Actions

Groups 51 to 99 can now add

Check out this rider from Blue Cross. Both employer and employee can receive CASH.

Carrie viral video

It gives each employee who merely participates $100. Those participants who are healthy or meet their goal receive another $200.

The real benefit is return of premium to the employer. For example, if 50% of

your group receive the $300, the employer gets a return of premium of 2.5% of the annual premium. Let us emphasize that again, 2.5% of your annual premium!!

The plan requires work on the part of your employees, but, if you can promote the plan, everybody benefits. Email us if you would like more details!

Fallon has Healthy Healthy Plan which is included in the rates, allows employees to earn up to $200 but there is no opportunity for the employer to get any refund.

Blue Cross Pediatric Dental for Children under 19

By product of the implementation of the Affordable Care Act

Effective January1st, your health plan must now include Pediatric Dental Benefits. All of the carriers have their own version of how benefits will be covered. Today we will review Blue Cross:

Comprehensive dental services

* Preventive Type 1: Services at 100%

* Basic Type 2: Services 75%

* Major Type 3: Services 50%

* Medically Necessary Orthodontic Services

* No out of network benefits in MA

* No Maximum Benefit Amount for Carrier

* New Out of Pocket Maximum Per Person

A key item to note is that there is NO Annual Maximum Benefit per person. Under ACA, you cannot have a maximum benefit, there is no maximum! The maximum out-of-pocket with deductibles and co-insurance is $1,000 for single and $2,000 for family when pediatric dental coverage is provided.

*Out of Pocket Maximum now included in Dental

*Separate $1,000 per child/ $2,000 Family maximum (2 or more children)

*Separate deductible of $50/$150 also included

1975 World Series Slideshow