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Jun 26

Medicare-Eligible Employees May Impact ‘Pay or Play” Penalties

Posted by Sarah Munson in the category McClone Community
Road sign that says "Pay or Play"

Under the Affordable Care Act (ACA), Medicare-eligible individuals are ineligible to receive premium tax credits. As a result, employers with Medicare-eligible employees should consider how those employees may impact their potential liability under the ACA’s employer shared responsibility provisions (also known as “pay or play”). Medicare-Eligible Employees and ‘Pay or Play’ As highlighted in an IRS memorandum, because Medicare-eligible individuals [read more…]

Jun 12

Creating a Strong Safety Culture

Posted by Sarah Munson in the category Business Risk
Three hard hats in a row, alternating colors of yellow, white, yellow

According to the Occupational Safety and Health Administration (OSHA), developing a strong safety culture has the single greatest impact on accident reduction of any workplace practice. This is why developing a safety culture should be a top priority for the managers and supervisors at your organization. Safety Culture A safety culture consists of shared beliefs, practices and mind-sets that exist [read more…]

May 25

Eat Fresh. Support Local.

Posted by McClone in the category McClone Community
fresh produce in baskets

Wisconsin Farmers’ Market – 2017 After a long winter, there is nothing better than the summer farmers market throughout Wisconsin. It’s a chance for local growers to showcase the bounty of their hard work while we get a refreshing break and change of scenery from the grocery store. Throw in some live music, crafts, fresh flowers and clean summer air, [read more…]

May 16

Minimize Road Work Zone Injuries and Fatalities

Posted by McClone in the category McClone Community
construction worker holding stop sign in work zone.

Spring and summer are the peak times of year we see work zones set up for road work construction and maintenance. These work zones can expose construction workers to high traffic areas, where they can be struck by passing drivers. According to the Federal Highway Administration, drivers account for 82% of highway and road work zone fatalities. Driving distractions, reckless driving, [read more…]

May 11

To Purchase or Not to Purchase Rental Car Insurance

Posted by Sarah Munson in the category McClone Community

Whether or not you should purchase the coverage offered by rental car agencies is a complicated question and unfortunately, it does not have a simple answer. The rates for this coverage vary greatly and depend on factors such as the car you’re renting, who’s renting it to you, the country, the deductible per loss and coverage you may have through other [read more…]

May 08

2017 ‘Pay or Play’ Penalty and Affordability Amounts Announced

Posted by McClone in the category McClone Community

The IRS has updated its existing Q&As on the Affordable Care Act’s employer shared responsibility (“pay or play”) requirements to reflect adjustments to the pay or play penalty and affordability amounts. Those adjustments are as follows: For calendar year 2017, the applicable per-employee dollar penalties of $2,000 and $3,000 are adjusted to $2,260 and $3,390, respectively. For plan years beginning [read more…]

May 01

5 Ways to Secure Your Company’s Mobile Devices

Posted by McClone in the category McClone Community
mobile divice in hands of man sitting at a desk working

Keep your Company Devices Safe from Threats with These Proactive Steps Because of the convenience they offer, smartphones and tablet devices have become a constant presence in the modern business world. As usage soars, it becomes increasingly important to take steps to protect your company from mobile threats, both new and old. Gone are the days when the most sensitive [read more…]

Apr 18

4 Techniques for Recruiting Top Talent

Posted by Sarah Munson in the category McClone Community
words "Time for Change. We're hiring." etched into wooden sign haning on concrete wall

by: Zach Kaiser & Adam Terrell, Strategic Risk Advisors We hear it day in and day out, “If I could just find good people.” or “There is no one out there these days that wants to work.” Unfortunately these statements are true. According to the Bureau of Labor Statistics (BLS), Wisconsin, Illinois and Indiana have an average unemployment rate of [read more…]

Apr 06

Distracted Driving – 6 ways to reduce your chances of being in an accident

Posted by McClone in the category Personal Risk
Stop sign that read "distracted driving" with image of a car crash above it in whte

Distracted driving is driving while doing another activity that takes your attention away from the road and can greatly increase the chance of a motor vehicle crash. “In 2015 alone, 3,477 people were killed, and 391,000 were injured in motor vehicle crashes involving distracted drivers,” according to The National Highway Traffic Safety Administration. Using mobile devices to call, text or [read more…]

Mar 14

The Dangers of Cybersecurity in Construction

Posted by Sarah Munson in the category Business Risk
Computer login screen with picture of a lock in front

by: Troy Carlson, Strategic Risk Advisor Most of us have emails filling our inboxes throughout each workday. Often, it seems like a job in and of itself just to keep up with them. When an invoice comes across your desk, you typically review it, approve it or reject it, and move on. Imagine your surprise when you receive an email [read more…]