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The Story Of EGPP – Building A Culture Of Excellence

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When the Founding Partners opened CoreMark Insurance Services, Inc in 2014, we were determined to build an agency that could make a real difference in the lives of our clients, our employees, and our community. Each founding partner had other opportunities prior to venturing out with the CoreMark brand, but after many soul searching meetings with each other and our families, we realized that we share many of the same core values.  Values built on excellence, trust, accountability and professionalism. Those Core values led to choosing the name CoreMark and our EGPP mantra.  What is EGPP you ask?  It’s our…
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5 Tips You Can Use for Open Enrollment Success

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Open enrollment for the new year’s health insurance plans can be one of the most hectic times of year for you and your human resources department. This is the one chance many employees have to make healthcare decision that will affect them all year long. You want to do everything you can to make your enrollment a success for the people who work for you. 1. Start early. The earlier you begin, the smoother your open enrollment process will be. Begin by reviewing your current insurance offerings with your broker, network partner and third-party administrator to assess your current plan’s…
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If You’re Leasing Employees, You May Still Be an Employer

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  Leasing some or all employees is a common business practice. The National Labor Relations Board estimates that temporary staffing agencies supplied 2.87 million workers in 2017. This will increase to almost 4 million by 2022. Staffing agencies assume an employer’s administrative tasks. These include payroll handling, tax withholding, and so on. States vary in how their laws treat these situations. Some consider the firm supplying the workers to be the employer. Others take the opposite view. In some situations, multiple organizations are considered to be “joint employers.” This means that both firms assume the employer’s obligations. Joint employer status…
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Deadline Extended to Provide ACA Tax Forms to Employees

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The Internal Revenue Service is presenting employers with a gift by extending the deadline during which they are required to furnish essential Affordable Care Act-related forms to their employees. Applicable large employers (ALEs) to whom the ACA employer mandate applies will now have until March 4, 2019 to furnish their employees with Forms 1095-B and 1095-C for 2018. The old deadline was Jan. 31, 2019. Also, the IRS is extending relief from penalties to employers who file or furnish incorrect or incomplete statements if they can show they made a good-faith effort to comply. ALEs with 50 or more full-time…
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Top 10 Laws and Regulations for 2019

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  Every year comes with new laws and regulations that affect employers. It pays to stay on top of all the new requirements, so we are here to help you understand those that are most likely to affect your business. The following are the top 10 laws, regulations and trends that you need to know about going into 2019. 1.     Sexual harassment training Since 2005, California law has required employers having 50 or more employees to provide at least two hours of sexual harassment training to supervisors every two years. SB 1343 changes this by requiring employers with five or more employees…
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Insurance Checklist for the New Year

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Did you make any New Year’s resolutions this year? Besides making time to rid your life of bad habits or setting goals to improve your life and health, the start of the year is also a perfect time to re-evaluate your insurance coverage needs. This is especially true if you’ve had any significant life changes or made large purchases during the prior year, like: Having a baby Getting married or divorced Making add-ons to your home, like a new deck, a man cave or swimming pool Making any major purchases, like a new entertainment system or new appliances. You can…
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New California Law Imposes Additional Requirements For Sexual Harassment Prevention Training

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The #MeToo Movement is proving to have a lasting effect not just on Hollywood, but the legislative landscape for employers in California. New regulatory changes taking effect in 2019 have many employers looking for access to training and resources to navigate the added requirements. The Changes Under SB 1343, employers with 5 or more employees must have all staff complete at least one hour Sexual Harassment Prevention Training and Education by the end of 2019. Employees in supervisory roles will be required to complete at least two hours of training. These requirements are a noted increase from the previous ones in…
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The Top 5 Free Tools You Can Use to Simplify Open Enrollment

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Most human resources professionals aren’t fortunate enough to have a line item in their budget for “Open Enrollment promotion,” so you have to get creative! Having a great enrollment season requires a great deal of dedication and perseverance on the part of the HR and benefits team, and that includes finding free or inexpensive ways to encourage people to enroll early (and correctly) to receive the benefits that your organization provides. We have found that these 5 free tools are extremely effective ways to help employees understand their benefits and make their benefits decisions! 1. Create a Benefits Overview Video…
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As Drug Prices Skyrocket, This Top 10 List Will Shock You

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It’s no secret that the cost of pharmaceuticals is going through the roof. You’ve heard the stories of price-gouging by some companies that have jacked up prices thousands of percent. Drug costs are starting to weigh heavily on the cost of care, in turn driving up health insurance premiums, which individuals, employees and employers are all feeling. The cost of some medications is so extreme that a single dose may far surpass the total premium paid for coverage. Also, most people never really know the true price of a drug unless they are 100% on the hook for medications under…
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New Law Bars Pharmacy Benefit Manager Gag Clauses

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President Trump has signed two bills into law that would add transparency to drug pricing by banning gag clauses imposed by Pharmacy Benefit Managers (PBMs) that bar pharmacists from discussing drug prices with the person buying prescription medication. The bills, passed with bipartisan support, take aim at the PBM practice of clawbacks, which occur when the copayment set by the PBM is more than the actual cash price of the drug. So instead of the policyholder being able to pay less for the drug, the PBM will usually pocket the difference. And because of gag clauses, most policyholders never get…
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