Install
Benefits Strategy guides
Benefits for part-time and seasonal workers: ACA and eligibility rulesWhen part-time, seasonal and variable-hour employees count under the ACA employer mandate, how look-back measurement works, and what else you must offer them.Building an employee benefits package that fits your budgetHow to build a benefits package in layers, what private employers actually offer per 2026 BLS data, and a budgeting worked example with 2026 FSA and HSA limits.Employee benefits liability coverage: insuring HR administration errorsEmployee benefits liability pays when an HR administration error leaves an employee uncovered. What it covers, excludes, and how it differs from fiduciary.ERISA basics for small employers: what the law requires of your benefit plansWhat ERISA requires of employers with health, life and disability plans: documents, notices, fiduciary duties, bonding and 2026 penalty amounts.Fiduciary liability insurance for employee benefit plansERISA fiduciaries are personally liable for plan losses. What fiduciary liability insurance pays for, what it excludes, and how it differs from an ERISA bond.Group short- and long-term disability insurance for employersHow group short-term and long-term disability insurance works: definitions of disability, elimination periods, tax treatment, offsets and state programs.Group life insurance for employees: how it works and what it costs youHow group term life and AD&D work for employers: plan design, guaranteed issue, portability, and the Section 79 imputed income rules with the 2026 IRS table.HDHPs and HSAs: an employer guide with 2026 limitsHow HDHPs and health savings accounts work for employers: 2026 IRS limits, contribution and comparability rules, and a worked cost example.ICHRA explained: individual coverage HRAs for employersHow an ICHRA works: tax treatment, employee classes, allowance rules, the affordability test (9.96% for 2026), ACA mandate treatment, notices and risks.PEOs and workers' comp: co-employment explainedHow PEO co-employment works for workers' comp, the three NCCI policy models, who gets the experience mod, what the IRS CPEO program omits, and what to ask.QSEHRA explained: the small employer HRA, 2026 limits and rulesHow a QSEHRA works for employers under 50 full-time employees: 2026 limits ($6,450 and $13,100), eligibility, notice, W-2 reporting and tax credit effects.Section 125 cafeteria plans: premium-only plans, FSAs and 2026 limitsWhat a Section 125 cafeteria plan is, which benefits it can and cannot include, how elections and nondiscrimination work, and the 2026 IRS limits.Voluntary benefits: what they are and how they workAccident, critical illness, hospital indemnity and other employee-paid benefits: how they differ from major medical, the ERISA and tax rules, what to ask.