• Lower Your Total Insurance and ACA Compliance Costs for the New Year

    January 1 Isn’t That Far Away.

    Let’s face it, the ACA compliance rules were not made with the Staffing Industry in mind. That’s why you need an insurance partner who not only has a wealth of experience serving your business model, but who also understands all the updated rules (and penalties) associated with existing and updated ACA compliance mandates. That partner is Essential StaffCARE.

    Our knowledge and experience provides you a SAFETY NET to avoid costly fines and provides you with the LOWEST TOTAL COST over the competition.

    Let us show you how we can better serve you, better protect you, and have a better effect on your bottom line. Give us a call so we can answer your questions and provide a quote in time for your 2017 decision.

    Please contact your ESC representative today at 877.372.2203 or  sales@essentialstaffcare.com.

  • Essential StaffCARE Service Metrics Keep Climbing

    Some of our competitors claim to offer exemplary service without any facts or metrics to back it up. Maybe they just want you to take their word for it. At Essential StaffCARE, we measure our service to our customers and share the results with the industry. This defined process and concrete service metrics provide important markers that enable us to continually improve.
    CLICK HERE to see our current list of service metrics, and take a look at what Rachel Stevens of Staffmark had to say about Essential StaffCARE’s easy enrollment process.
     
    “Things went great with our Open Enrollment this year! I was so pleased with how well it was administered. I can honestly say that this open enrollment was the smoothest one I have experienced. And I give a lot of credit to ESC for staying ahead of the process and communicating with us so well.”
    – Rachel Stevens, Staffmark
     

    Please contact your ESC Representative today at (877) 372–2203 or sales@essentialstaffcare.com to see how we can simplify your Open Enrollment for 2017.

  • Important Updates for Implementing the Look-Back Rule for Variable Hour Employees

    The American Staffing Association recently released an Issue Paper on understanding how the look-back rules work in regards to the Affordable Care Act. We thank ASA for allowing us to share this with you, but please consider joining the association if you are not currently a member.
     
    The ASA promotes legal, ethical, and professional practices for the Staffing Industry, and there are many resources available to members. We encourage all Staffing Professionals to become members of the association to take advantage of the many services that ASA provides to the industry.
     
    In this Issue Paper, Senior Counsel Ed Lenz explains how the look-back measurement period came into being, due to the difficulty for many staffing firms to classify employees as full-time. This issue arises from the transient nature of many Staffing Industry employees.  
     
    In his paper, Lenz clarifies that in order to use a look-back-period to avoid penalties, an employer must have had a health plan in place for which for which the employee would have been eligible except for the fact that they were in a look-back period. To avoid the so-called “A” penalty, the plan must be at least a basic MEC plan. To avoid the “B” penalty, the plan must qualify as “minimum value” (MVP). Employers with only MEC plans will be subject to the “B” penalty in any month during which an employee worked full-time (i.e., at least 130 hours) and who received a tax subsidy from an ACA healthcare exchange, regardless of their variable hour status.
     
    Lenz points out that most staffing firms offering only basic MEC plans do not use a look-back period to defer the offer of coverage. That’s in part due to the risk that the IRS could later rule that the employees should have been classified as full-time at the start, which could result in an “a” penalty assessment for every employee who worked at least 130 hours in a month. Instead, Lenz advises as follows: 

    “To avoid “A” penalties, the best practice for staffing firms, in ASA’s view, is to offer at least a basic MEC plan to all new full-time employees either at the time of application, the start of an assignment, or after a short waiting period (e.g., 60 days) after the assignment starts—even if they could be classified as variable-hour employee, subject to a 12-month look-back. In fact, because basic MEC plans are inexpensive, and to avoid tracking hours, some staffing firms simply offer the plan to all new employees even if they are not expected to work full-time hours.” (emphasis added)

    In short, this is why Essential StaffCARE clients were advised early on, when the look-back rules and MEC plans were developed, to always offer their MEC coverage to every employee at their time of job application (i.e., when completing I-9 and W-4 paperwork). This strategy was developed to protect employers from the confusion and complexity of the ACA. We called this our “MEC Safety Net Strategy”.
     
    Please take advantage of the information in the ASA Issue Paper, and, if you are not currently a member, we hope you take advantage of the professional knowledge and expertise that the ASA offers.

     

    Please contact your ESC Representative today at (877) 372–2203 or sales@essentialstaffcare.com.

Learn more about the latest updates in health reform and how they affect you.

awards and achievements
  • NAHU ACA Certified
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