Employee-Paid

A new study in Massachusetts is providing evidence that the reform law passed in that state in 2006, and which served as the model for the Affordable Care Act, is indeed making a significant dent in bankruptcy filings.

The carrier says it has no way to send many members their insurance cards.

Despite bearing more of the cost of their workplace benefits, employees still place a high value on them.

IRS Notice 2013-54[2] provides that HRAs cannot be offered by employers unless the participants are also enrolled in a major medical plan of the employer or the employers spouse.

Todays unions enjoy little support, representing just 11.3 percent of the workforce compared to more than 20 percent a few decades ago.

Oxford Economics finds that 42 percent of workers don't use all their PTO before year-end.