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The Job Benefit The Newly Graduated Really Want: Employer Participation in Repayment Act

Many recent college graduates aren’t able to start saving for their futures, like retirement or buying a home, because they are still stuck in the past: paying off their student loans. As unemployment sits [...]

Should I get travel insurance?

On your to-do list before you depart on your adventure, ‘get travel insurance’ is probably low or not on the list at all. Unfortunately, travel insurance is usually something most of us don’t think [...]

Non-discrimination test for Medical FSA: What Happens If I Don’t Pass?

The non-discrimination test, also called a compliance test, is required for all Medical FSA, Dependent Care Accounts, and Pre-tax of Premiums under section 125 of the IRS code.  You can read part one of the article [...]

Non-Discrimination Testing: The Basics

What is Non-Discrimination Testing? It is a test to show there is no discrimination between the benefits given to highly compensated employees (HCEs)/key employees and other employees at the company. No discrimination means that [...]

Oregon’s New Law on Balance Billing

When you receive a medical bill for a balance - even though you’ve already paid your deductible, coinsurance, or copayment- you might be wondering where the charges are coming from. Then you'll wonder why [...]

The Pitfalls of COBRA and State Continuation

If you are a small employer with 19 or less employees, your group qualifies for “State Continuation” when an employee leaves the organization. Under State Continuation a soon to be ex-employee would then qualify [...]

Benefits of Digital Onboarding

There are many different human resource information systems (HRIS) available. To find the one that fits your needs first start by identifying what your company’s top priorities and goals are. Here are three ways [...]

Drug Transparency in Oregon?

Recently we have seen several articles with the Drug Price Transparency Bill (OR House Bill 4005) that passed the Oregon Senate and is now headed to the Governor. The bill requires drug manufacturers to [...]

What Small Businesses Should Know About Health Reimbursement Arrangements (HRAs)

Beginning at the start of 2017, small businesses can again offer stand-alone HRAs (Health Reimbursement Arrangements) to their employees, thanks to the Small Business Healthcare Relief Act (SBHRA). These plans were available in the [...]

4 Ways Your Employees Aren’t Making the Most Out of Their 401(k) Investments

Using a 401(k) plan is a great way for your employees (or plan members) to invest in their retirement. But did you know that many members aren’t taking full advantage of investment opportunities? That [...]