A Message from Vanessa Gaytan of Heartland

Do you change Payroll companies each calendar year? Do you sigh every time you have to run payroll for reasons aside from the obvious (money going out)? Tired of not having local representation or calling into a service center overseas? Enough already! Payroll does not need to be a stressful part of your business; it can be simple and streamlined.  … Read More

No Surprises Act

The Consolidated Appropriations Act of 2021 contains the “No Surprises Act”. The following items of The No Surprises Act apply to individual, small group, and large group fully insured and self-funded plans, including both grandfathered and non-grandfathered plans, and coverage offered through an Exchange generally, for plans beginning on or after 01/01/2022. Balanced Billing – The law will limit balance … Read More

ADA Protections for Covid Long-Haulers

Marking the 31st anniversary of the Americans with Disabilities Act (ADA) on July 26, President Joe Biden said people with long-term effects of COVID-19—often referred to as COVID-19 long-haulers—may be protected by the law. Here’s a collection of articles from across the internet Long-Term Effects “Many Americans who seemingly recover from the virus still face lingering challenges like breathing problems, … Read More

Covered California 2022 Rates

Need help with Covered California? We’re Here To Help!  Call us at 818-253-1736 or email us at team@thebenefits.guru

2022 Health Plan Limits

Type of Plan Limit 2022 2021 HSA Contribution Limits Self-Only $3,650 $3,600 Family $7,300 $7,200 HSA Catch-Up Contribution Age 55 or older $1,000 $1,000 HDHP Minimum Deductibles Self-Only $1,400 $1,400 Family $2,800 $2,800 HDHP Maximum Out-of-Pocket Expense Limits Self-Only $7,050 $7,000 Family $14,100 $14,000 ACA Maximum Out-Of-Pocket Expense Limits Self-Only $8,700 $8,550 Family $17,400 $17,100 Expected Benefit HRA —– $1,800 … Read More

Funding A Buy-Sell Agreement With Life Insurance

from EideBailly (https://www.eidebaillyfinancialservices.com/insights/funding-a-buy-sell-agreement-with-life-insurance) As a partner or co-owner (private shareholder) of a business, you’ve spent years building a valuable financial interest in your company. You may have considered setting up a buy-sell agreement to ensure your surviving family a smooth sale of your business interest and are looking into funding methods. One of the first methods you should consider is … Read More

What Type Of Trust Should You Create For Your Estate?

from Metlife (financial wellness) A trust can be a great way to protect your assets and help provide income to your family if you pass away. But how do you determine what’s best for you and your family? Learn more about different trusts, so you can choose the right one when you’re doing your estate planning. Revocable trust This type of … Read More

Here’s Everything You Need To Know About CalSavers

from guideline (https://www.guideline.com/blog/here-is-everything-you-need-to-know-about-calsavers/) With one in five Americans having saved nothing for retirement, it’s more important than ever for businesses to help and encourage their employees to save for the future. Retirement plans, such as 401(k)s and IRAs, may offer significant tax advantages for savers. Employees are 15 times more likely to save for retirement when their company offers a retirement plan. Still, many … Read More

Turning 65 And Still Working? Here’s How It Affects Medicare

from medicare.gov (http://medicare.gov/sign-up-change-plans/i-have-employer-coverage) It’s important to understand how your current coverage works with Medicare. If you have questions about your current insurance, the best source of information is your benefits administrator, insurer, or plan provider. I have employer coverage and… I’m Turning 65 If you aren’t getting benefits from Social Security (or the RRB) at least 4 months before you … Read More