At SDL + GHS, we understand that our clients are faced with numerous articles, news sources, and breaking news. The COVID19 virus is an ever-changing and evolving situation – and it is important that you maintain good resources for your information such as the Centers for Disease Control and your State Department of Health websites. […]

01 Payments The company pays a premium, typically fixed for a year, to the insurance carrier. The monthly premium normally only changes during the year if the number of enrolled employees in the plan changes   02 Assumption of Risk The insurance carrier collects the premiums and pays the health care claims based on the […]

01 Pay Only for Healthcare Your Members Consume Self-Insured employers pay for only the healthcare claims their members consume, a low stop-loss insurance premium for catastrophic claim coverage, and an administrative fee to a third party administrator who will administer their program. For comparison purposes, fully insured employers pay insurance premiums that are primarily based […]

We know we’ve reached the lunacy of fourth quarter in our industry when social media starts spreading crazy rumors and misinformation. Clients call in panic, we feel the panic, and it all makes taking care of our health insurance needs not fun! Every state has different Open Enrollment dates and deadlines. We understand it’s hard […]

Key tax inflation adjustments released by the IRS for 2019: The dollar limit on employee salary reduction contributions to health FSAs will be $2,700 (up from $2,650 in 2018). The maximum amount of payments and reimbursements under a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) will be $5,150 for self-only coverage and $10,450 for family […]

The 2019 New York State budget includes the nation’s strongest and most comprehensive sexual harassment package, including new resources and requirements for employers. Enacted on April 12, 2018, the law amended several of the state’s labor and other employment-related laws to provide increased protections against sexual harassment in the workplace. Effective October 9, 2018, the […]