In the News

UBA Blog

All Three Generations Need Income Protection

The top three workforce generations are Baby Boomers, Generation Xers and Millennials. These generations range from being born in 1946–1996, which is a 50-year difference from the first Baby Boomer to the last Millennial. Even with the large age gap, all of these individuals have a very similar concern—the loss of income if they are unable to work due to a disabling event such as an injury or illness.

Choosing the Right Flexible Benefit for Employees

Trying to decide which of the many employer-sponsored benefits out there to offer employees can leave an employer feeling lost in a confusing bowl of alphabet soup—HSA? FSA? DCAP? HRA? What does it mean if a benefit is “limited” or “post-deductible”? Which one is use-it-or-lose-it? Which one has a rollover? What are the limits on each benefit?—and so on.

Do you have a choice of where you will be taken care of?

If something should happen to you or one of your employees today that required Long Term Care, do you, or they, have a choice in where the care is received?

Leadership, Now with More Humility

More and more, we are learning that scientists, marketers, programmers, and other kinds of knowledge workers lead office lives very similar to famous innovators like Watson, Crick, and Franklin, who discovered the structure of DNA. How so? All of these people live work lives structured around progress in meaningful work. And when this progress occurs, it boosts emotions, perceptions, and productivity.

Eat to Live Well: Health Benefits of the Mediterranean Diet

For heart-healthy living, it turns out a great dietary option for many dates back centuries.

Employer News

PTO for When the Wind Blows

This year, much of the United States had some form of major natural disaster—hurricanes, wildfires, floods, tornados—and millions of people were either directly affected, or had a family member or close friend who was affected. This life-changing disruption often meant that people couldn’t, or weren’t able to, go to work.

Stop Handing Out Your SSN Like Candy

Social Security numbers (or SSNs) used to be tied just to your Social Security benefits. Now, that number is tied to just about everything used to identify you.

Get Moving… To Live!

The phrase: “If I’m lying, I’m dying” should be changed to: “If I’m sitting, I’m dying” even though it doesn’t rhyme.

Shhhhhh!

There are places where you expect things to be noisy, such as a rock concert, and places where you expect it to be quiet, like an office.

Moments of Clarity: Being Transparent

Aristotle was right when he said, “Nature abhors a vacuum.” Companies and politicians like to say that they’re transparent, when in fact, they’re often the opposite. And, as in nature, in the absence of facts, people will often fill their minds with what is perceived.

Employer Webinar Series

What Employers Need to Know About IRS Reporting in 2019

The Patient Protection and Affordable Care Act's reporting requirements are rapidly approaching for employers with group health plans or with 50 or more full-time or full-time equivalent employees. This webinar will provide an overview of the reporting process, what we learned from earlier rounds of reporting, and how employers should be tracking employees.

Employer Policies and Testing Employees for Marijuana Use and Opioid Use

This webinar will cover what employers should consider when implementing drug use policies and testing for drug use.

What Employers Need to Know About Structuring Wellness Programs for 2019

This month's webinar will cover what to consider when sponsoring a wellness program, including laws and regulations, levels of program involvement, payroll deduction administration, and more.

What's Driving Claim Costs and Employer Solutoins

To help HR professionals and business owners better understand their benefit plan claim costs, United Benefit Advisors (UBA), in conjunction with Symetra Life Insurance Company, will host a webinar — “What’s Driving Claim Costs and Employer Solutions” — on Thursday, Sept. 6, at 3:30 p.m. ET.

The Government is Knocking: IRS Penalty Assessment Letters and DOL Audits of Health and Welfare Plans

The IRS continues to send proposed penalty assessment letters to large employers. The Department of Labor continues to audit health and welfare benefit plans of all sizes. Being prepared is critical to an employer's success in responding to the government.