Keeping You Current
February 2016 Newsletter

Introducing HR Done Right
Human Resources. Made Simple. Done Right.

We are pleased to announce the launch of our "sister company", HR Done Right which will provide comprehensive human resource services. 

Why HR Done Right? Whether you're a start-up or a larger organization, you want to protect your business and take care of your greatest assets - your people. HR Done Right can help you do that.

Who is HR Done Right? Our services include: on-site, outsourced HR, capacity building for existing HR teams, HR assessments, special projects and legal counsel. Whether you want us to be your HR team, or help your existing HR team - we've got you covered.  
Let us take care of you like family. Visit us here or call 888-805-5421 today!  
Are You Going? 
Join us as we celebrate the launch of HR Done Right!
February 17, 2016
4:30pm at Piatti on Fair Oaks Blvd.

You are invited to HR Done Right's educational event, Three Things Employers and HR Leaders Need to Know in the New Year
followed by our company launch party.

Employment attorney Eli Makus will discuss social media privacy, the Equal Pay Act and new considerations for working with contractors. Refreshments and networking to follow.

Please RSVP to 888-805-5421 or

IRS Forms 1095: What Individuals Need To Know 

Within the last several weeks, individuals should have started to receive one of the Forms 1095. The deadline to receive this form is March 31, 2016.

Covered California

Individuals who have coverage through Covered CA can expect to receive Form 1095-A  in the mail directly from Covered California. It is not necessary to attach Form 1095-A to your tax return, but keep it with your tax records.

Carrier Direct, Medicare and Medi-Cal Enrollees
Individuals who purchase coverage directly from an insurance carrier, Medicare and Medi-Cal enrollees will receive Form 1095-B directly from the insurance carrier. It is not necessary to attach Form 1095-B to your tax return, but keep it with your tax records.

We encourage you to consult your tax professional with any questions pertaining to your taxes. If your expected forms do not arrive soon, please call our office for assistance in obtaining these forms.

Percentage of Self-Funded Plans Rises to 12.2%  

The number of plans that are self-funded rose to 12.2%, an increase of nearly 11% from 2014, the UBA 2015 health plan survey reveals. UBA Partners believe self-funding will be increasingly desirable for employers of all sizes in the coming years as a way to a void various cost and compliance aspects of health care reform.    

For more details on trends revealed by the survey,  download a complimentary copy of the executive summary here. Contact your BDR account team to benchmark your plan against others in your region, industry or size bracket.  
Being Hyper Aware of Employee Hypertension   

A discovery is being made about one of the most important health aspects -- hypertension. Hypertension (also known as high blood pressure) is a medical issue where the pressure of the blood in a person's cardiovascular system is constantly elevated. According to the Mayo Clinic, a person can have high blood pressure for years without any symptoms. Yet even without symptoms, damage to arteries, blood vessels, and even the heart continues until serious health issues, including a heart attack and stroke, happen.  

According to an article on the website of Employee Benefit News titled, "Many employees unaware of hypertension," the discovery is that almost 70 percent of employees whose hypertension was detected during workplace health screenings were completely unaware they had the condition. The research was published in the Journal of Occupational and Environmental Medicine. 

So, why should employers care? Aside from the serious health concern this poses to the employee, this lack of awareness is costly to an employer whether or not an employer provides health insurance. Hypertension adds more to an employer's health care costs per employee than any other condition including depression and mental illness. People who have high blood pressure miss more work days versus people without the condition.
The good news for both employers and employees is that hypertension is one of the easiest things to test and one of the most cost effective wellness screenings. Testing can be done on-site, via kiosks, or as part of a full biometric program. Furthermore, if hypertension is discovered, it's easily controlled with diet, exercise, lifestyle changes, and medicine. The research previously referenced noted that people who are overweight (or have a poor diet), have a sedentary lifestyle, diabetes or smoke, have a greater chance of undiagnosed high blood pressure.

The sooner a person realizes they have hypertension, the sooner they can get the treatment necessary to improve their health. Because so many employees are unaware they have hypertension, education is an important first step. May is National High Blood Pressure Month, so it's a great opportunity to motivate employees to get screened. Healthy eating and drinking can be supported through the stocking of vending machines with low-sodium snacks and beverages. Exercise should be encouraged as often as possible as a great way to lower blood pressure.

There's no sure-fire way to alleviate hypertension that all employers and employees can agree on, but there's no denying that a healthy workforce improves productivity and reduces employer costs. By utilizing multiple strategies for combating hypertension, employers and employees can reach a common goal. 
SEAC February Breakfast Meeting
Recruiting and Hiring Practices: Strategies for Hiring the Right Employees While Complying with State and Federal Laws
Tuesday, February 17, 2016, 8-10am

Please join SEAC for a lively discussion on how to identify and hire the employees who are a right fit for both the position and the employer. All employers struggle with finding those perfect employees for the job - employee turnover is increasingly costly and disruptive to employers. In order to find the employee who is that "right fit" many employers are turning to work-style or personality tests, background investigations, and other methods to try to identify the most desirable candidates. However, in doing so, some employers are running afoul of anti-discrimination and privacy laws. This breakfast seminar will address the recruiting and hiring methods that are available to help employers identify the best candidates, all while complying with state and federal laws.

8:00 - 8:30 am - Registration and Breakfast
8:30 - 10:00 am - Meeting
In advance by Feb 15: $ 35 members / $50 non-members
At the door: $40 members/ $60 non-members
Includes 2 hours of free parking when you park in The Wells Fargo Building - Bring your ticket stub to the meeting for validation.

Click here to
register for the event.

Benefits Done Right Insurance Agency, Inc.
601 University Avenue, Suite 250 / Sacramento, CA  95825
800-482-1817 / Fax: 916-564-9228

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