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Insurance

Review contract language before changing benefits

01/09/2009

If your organization has a collective-bargaining agreement with a union, you must make sure you check with counsel before you make any changes to benefits. In some cases, promises made in past contracts—such as a promise to provide retiree health benefits—may be a binding, vested promise that cannot be undone.

Buying a company’s assets? Liabilities may be included

01/09/2009

If your organization is in good fiscal shape in these tough times, top brass may be looking to snap up the assets of failed companies at bargain prices. Remind management that it may end up picking up liabilities such as unemployment insurance claims if it doesn’t structure the deal correctly.

Workers’ comp for unpaid interns?

01/09/2009

Q. A local college has asked our company to allow a student to work at one of our plants for credit this summer. The student would not be paid, which sounds like a great deal for the company. However, we are concerned about what would happen if the student were injured while interning. Would we be liable?

Control, payroll big factors in who pays for injury

01/09/2009

Sometimes, employees of one company may end up temporarily doing work for another company. If they are injured during the course of that work, who picks up the tab? Generally, the employer that carries the employee on the payroll and that controls the way the work is done.

Do we have to pay health insurance opt-out bonus during FMLA leave?

01/09/2009

Q. Our company offers a health insurance opt-out incentive, paying employees $400 a month if they use their spouses’ insurance plans. We now have an employee going out on FMLA maternity leave. Do we have to keep paying her $400 per month?

3 ways HR can help employees cut their health care costs

01/05/2009

As the economy worsens, rising health costs are driving more employees to cut their own spending on medical care. Here are three ways your organization can keep workers focused on their health even as they skimp on expenses …

Deployed employees get full pay, benefits, monthly care packages

01/05/2009

The seven Shared Technologies employees who are serving in the military in Iraq or elsewhere get a monthly reminder that they’re still members of the team at the Texas company.

Consumer-driven health plans keep growing

01/05/2009

In their efforts to control health care costs, 45% of organizations have consumer-driven health (CDH) plans, up from 37% in 2007. Among them, 16% offer CDH programs to employees as their only option for a health plan …

May we recover insurance premiums paid while employee was on FMLA leave?

01/05/2009

Q. I have an employee who is taking leave under the FMLA. The company is continuing to pay the same portion of her health insurance premiums that we paid while she was working. If the worker fails to return to work when her protected leave expires, may the company recover the premium payments made during her leave period?

No interest penalty after resolving workers’ comp dispute

12/31/2008

Sometimes, it’s unclear whether an employee’s medical bills are related to a workplace injury. Now there’s a bit of good news if you wind up having to cover those bills.