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Ways to Add Joy to Your Life

At the end of the day, have you ever wished you had more joy in your life? Whether you are at work, at home, out with friends, or enjoying a walk in the park, you can find ways to fill your day with happiness. If we choose to be dependent on our job, our family, and our friends to make us happy, we will be disappointed. Joyful living is a choice we have to make.

Be Grateful
When you wake up in the morning, think about the many reasons you have to be grateful. Jot a few items down in a notebook, and add to it each day. Before you go to bed, reflect on your day and the things that brought you joy. Being grateful for the good things in your life helps you be cheerful.

Show Appreciation to Others
Many people contribute to your happiness. Return their kindness with a “thank you” for how they have impacted your life. You can invite a friend for lunch and say thanks in person, or send a nice hand-written card if they live a distance away. If you send a card, tell the recipient exactly why you are thankful. A card with only a signature is not sufficient. When you show appreciation to others, it results in joy.

What Do You Love?
Music, reading, running, cooking, and hiking are just some of the things people love. We each have special activities or hobbies that we enjoy, and it is important to allot time to do the things that please you. Doing what you love to do creates a joyful attitude.

Do You Love Your Job?
Confucius said, “Choose a job you love, and you will never have to work a day in your life.” We all have good days and bad days at work, but keeping a positive outlook and disposition helps you, and those around you focused on solutions!

Choose Friends Wisely
Do your friends and family support you in the choices you make for your life? Choose to spend time with people who uphold and encourage you in the activities that bring you happiness.

Supportive Friends
What kind of friends have you chosen? Sometimes we have more acquaintances than true friends. Select friends you would enjoy as family members. True friends are supportive, encouraging, and bring you joy.

Giving of Yourself
There is a wonderful feeling of fulfillment when we give to others. On the job and in your personal life share the skills, talents, and knowledge you have gained. Find an organization needing volunteers and donate your time and talents. You will be rewarded through service to others!

Recognize the Good in You
Never focus on the things you find wrong at home or at work, but focus on your strengths and positives aspects of family, friends, and co-workers. Concentrating on the good in “you” provides the power to succeed in your endeavors.

Overcome Fear
Fear is an element of limitation, and we tend to create most of our own fears. Replace fear with the knowledge you have discovered. When fear is displaced with happiness, living becomes a joyful experience.

Once you have filled your life with joy, be sure to share it with others!

ACA Benefit Plan Offering Effective 1-1-15

Affordable Care Act Benefit Plan Offering

We are happy to announce our Patient Protection and Affordable Care Act (ACA) compliance services effective January 1, 2015.

The ACA appears to be here to stay and for large employers, the ACA requires you to provide minimum essential health benefits which provide minimum value at a premium that is affordable, to at least 70% of your full-time employees (95% in 2016). Our goal is to help you make informed decisions about ACA compliance and minimize the impact on your company’s bottom line. For those of you who are considered large employers, or will likely be considered such at some point in 2015, we will be contacting you before the end of September,
to discuss our services, answer your questions and schedule a meeting, as needed, to present our solutions. If you would prefer for us to communicate with your insurance agent, we are happy to do so. Please have him/her contact us as soon as possible.

In this first communication, we want to let you know that we have selected a benefit plan option through Essential StaffCARE (“ESC”). We have been using ESC for many years now and they are uniquely qualified and well positioned to provide ACA compliant benefit plans to all of our clients. ESC has designed two benefit plans which will minimize or avoid the penalties imposed by the ACA. Here is a brief look at these plans and the compliance elements they satisfy.

The Minimum Essential Coverage Plan (“MEC”) will require no employer contribution because the premium is paid directly by your employees who elect this coverage. By simply offering the MEC plan, you will not be liable for the “A” penalty, which is assessed monthly at the rate of $166.66 per full-time employee less the first 80 (reducing to 30 in 2016). Employees who purchase this coverage satisfy the individual mandate of having minimum coverage, and will therefore avoid the individual penalties imposed by the IRS.

The Minimum Value Plan (“MV”), is referred to as a “bronze” level benefit plan, and must be “affordable” to all full-time employees in order to avoid the “B” penalty, which is assessed monthly at the rate of $250.00 per month per employee who purchases coverage from the government exchange and receives a subsidy. One definition of affordability is that the employee premium may not exceed 9.5% of the employee’s W-2 income.

We will be sending you the premium rates for each of these plans in the near future. We have done extensive research, shopped the marketplace and explored many solutions finding the ESC benefit plans to be the most comprehensive and affordable option. However, ACA compliance is not a one-size-fits-all and therefore, we have other solutions available.

In addition to the benefit plans, we will provide a compliance tracking software system that will measure, monitor, analyze, alert and report to help you achieve your desired level of compliance. Below are a few things you can expect from the tracking solution:

  • Measure employee count and determine large employer status.
  • Monitor employee status to identify full-time employees to whom coverage must be offered.
  • Analyze compliance level and cost of offering benefits verses paying penalties.
  • Alert you when employees become eligible.
  • Report on current and future status of employee population allowing you to evaluate and adjust compliance strategy; and generate annual IRS reports.

We look forward to providing you with solutions which you can rely on as you make important decisions related to ACA compliance. If you have any questions or concerns that need addressed prior to us contacting you later in the month, please reach out to either Kris Hansberger, Director of Employee Benefits or Ryan Scott, V.P. of Sales at 480-993-2650.

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