Potential ACA Implications of the California Labor Commissioner’s Uber Driver Ruling

The ACA’s pay or play rules (aka employer mandate, employer shared responsibility) require applicable large employers or “ALEs” (generally 50 or more full-time employees plus equivalents) to offer medical coverage meeting certain ACA standards to full-time employees in order to avoid potential penalties under §4980H. The ACA defines “full-time employees” to include all common law […]

Help Employees Save More for Retirement by Dispelling Myths about Roth 401(k)s

Myths and misgivings about Roth 401(k) plans can block employees from making valuable decisions about their retirement. Roth 401(k)s can offer many benefits over traditional 401(k) plans, yet few workers make use of this option. Our Retirement Services group data shows that just over half of 401(k) plans offer Roth contributions. Within the plans that […]

Water, Water Everywhere, but Not a Drop of Flood Insurance: A Lesson Learned from Claims

In our role as insurance advisors, client advocates, and business partners, we do our best to stress the importance of understanding your insurance policies; however, we understand that is easier said than done. Insurance policies are long, convoluted, and just plain confusing documents. Even those of us who read policies for a living sometimes struggle […]

My Experience With The Evolving Relationship Between Traditional Health Insurance Carriers and Medical Groups In California

In remote areas in California, such as up north or other outlying valley/mountain/coastal areas, healthcare availability from traditional carriers has been historically less than in more densely populated locations. Theoretically, in a less populous part of the state, a regional HMO plan owned and managed by a private medical group would be a logical void-filler […]

Music, Leadership, and Licorice

“Our audience is like people who like licorice,” Jerry Garcia said. “Not everybody likes licorice, but the people who like licorice really like licorice.” I love that quote. It speaks to where ABD is as a company right now – and offers lessons that every business can benefit from on how to grow into the future. […]

Q&A: Impact from RSUs on Your Workers Comp Program

Entering the world of Restricted Stock Units can be exciting – and a little intimidating. After all, there are a lot of potential benefits, and an equal number of questions about the process. Over the years, we’ve learned a lot about RSUs, and how they affect other programs, such as Workers’ Compensation. While most questions […]

Unmanned Aerial Vehicles (Drones) – A Risk Management Discussion

From government to real estate, drones are changing the way many industries do business. Technically named Unmanned Aerial Vehicles (UAVs), drones have tremendous potential – and it’s not going unnoticed. The use of UAVs for photo or videography offers many advantages, including branding and publicity opportunities, an up-close view of remote activities, and development of […]