What is the Individual Mandate? How Does It Affect My Employees?

The Affordable Care Act (ACA) requires most Americans to have adequate health insurance beginning on January 1, 2014.  Those who do not get an “exemption” will pay a penalty for months during the year when they have no health insurance.  This “individual mandate” continues to be the subject of much …

The Great American Smokeout

Tobacco use remains the single largest preventable cause of disease and premature death in the USA. By quitting, even for one day, smokers will be taking an important step to a healthier life. Quitting smoking lowers the risk of diabetes, lets blood vessels work better, and helps the heart and …

Our People Making a Difference

Sandy Haas and her husband led a team of 13 people from their church, to assist local churches in South Africa in Orphan Care. The AIDS epidemic is ravaging sub Sahara Africa and the number of resulting orphans is staggering. Sandy and her team worked at the schools, the homes and …

Affordable Care Act Reporting Requirements IRS Sections 6055 and 6056

The following is a brief summary of the guidance to date on new employer reporting requirements known as section 6055 and section 6056 reporting.  Because the rules are subject to change until the government issues “final” guidance, Creative Benefits offers this summary now and will issue a detailed Alert once …

Tax Credit for Small Businesses Providing Health Insurance

The Affordable Care Act established a tax credit to encourage small business owners to offer their employees health insurance. This summary is designed to give a brief overview of the credit and how it is calculated for 2014 and beyond.  Creative Benefits can help our small business clients determine if …

Breast Cancer Awareness

Knowing the facts about breast cancer is the first step towards prevention and early detection. Discover the facts about the second leading cause of death among women and to reduce your risk. Also in this issue: The End of Bullying begins with Me Down Syndrome Awareness Educate before you Medicate Read more: October …

Determining Large Employer Status for 2015

Do you know for sure whether your company is considered an “applicable large employer” (large employer) according to the Affordable Care Act (that is, a company employing 50 or more full-time or full-time equivalent employees)? Some companies clearly are large employers; however, for companies that are on the cusp of …

90-Day Waiting Period

Handling Employees in a Waiting Period When the 2014 Plan Year Begins The Affordable Care Act’s (ACA) 90-day waiting period limit rule begins with the group plan renewal in 2014.  The limit means 90 actual calendar days, not three months. Many plans currently have a “first of the month after 90 …

Back to School Eye Exam

It’s that time of year again, oh how we’ve missed the morning rush! Something to consider when pulling together the odds and ends for back to school, has your child had a recent eye exam?  August is Children’s Eye Health and Safety Month. Inside this issue discover how important eye …

Philadelphia Business Journal Acheivement Award

Registry of Business Excellence Creative Benefits Inc. of Newtown Square, PA has been honored with a recognition by Philadelphia Business Journal in its selection of “Top 100 Women-Owned Businesses.”Following the publication of Creative Benefits Inc.’s selection for Philadelphia Business Journal’s Top 100 Women-Owned Businesses list, American Registry seconded the honor …

Special Event: An Update on Healthcare Reform

On Tuesday, May 7, 2013, at Aronimink Golf Club, Creative Benefits Inc. hosted an Informational Seminar for Employers to review key components of the legislation that is challenging many organizations across our nation. Speakers included C. Mitchell Goldman Esquire of Duane Morris LLP and Cameron Graham Esquire of Creative Benefits …

We’ve Moved Our Headquarters!

Creative Benefits is on the move! Although our new office is less than a mile down the road, it is a brand new space and we are excited to fill it with our talented team. We invite you to come in, whenever you’re in town and check out our new …

Philadelphia Women In Business as seen in Forbes

…Health care benefits are usually the second biggest expense for most employers, after wages. They are not just getting more costly; they are also more complicated to administer, as a result of changes on government regulations. Read our write up: CBI_Forbes