http://crownalliancecapital.com/kinetic-resources-corp-announces-executive-changes/
Kinetic Resources Corp. appointed Lorainne Fusco to board of directors and to serve as President, Chief Executive Officer, Chief Financial Officer, Secretary, and Treasurer. Following this appointment, the board accepted the resignation of Luis Antonio Delgado Gonzalez as former sole officer and director. Ms. Fusco has an Honours Bachelor of Science from the University of Toronto and has worked in the life insurance industry since 2003.
Wednesday, 28 August 2013
Westhill Consulting – Tips for navigating Obamacare
Think hard before your
drop insurance entirely
Tambe said that might not make good business sense despite some
companies might be tempted to abolish insurance benefits completely and let
employees go to marketplaces to get coverage.
The problem is insurance purchased on the marketplace will be more
expensive for individuals. Then the company
will risk talent leaving the company for a competitor who offers them the less
expensive option if the company isn’t willing to compensate by raising their
salary.
“It may work to keep costs down but you’ll have a hard time keeping
talented folks,” he said.
Other federal programs
could help you
For households making under 400 percent of the Federal Poverty Level,
the ACA grants subsidies available on the public marketplace under certain
circumstances.
Additionally there are current efforts for Ohio to spread out the
Medicaid program to households making less than 138 percent of the poverty
level. This in turn if acted out would
make more people eligible for those programs.
Not all individuals will qualify for subsidy even though most Americans
will be eligible to obtain coverage through the exchange. Employer-sponsored coverage may affect an
employee’s ability to meet the criteria for the subsidy.
If there are many employees qualify for federal assistance, it will be
reasonable to let them use those plans, particularly since employees being
offered insurance by an employer aren’t allowed onto the marketplace if their
employer is offering insurance deemed affordable, or 9.5 percent of their wage
rate based on 130 hours per month for single coverage.
“A lot of folks qualify for these things, and there’s no penalty to
employers,” Tambe said.
Know the paperwork
There are a number of new requirements employers need to be aware of in
order to remain in compliance under the ACA. For instance, all employers are
required to provide notices to new hires and current employees about the health
insurance exchanges before Oct. 1.
Tambe said the fines for failure to comply can be steep. For example, if
an employer fails to provide employees with an SBC, the potential penalty to
the employer is $1,000 per employee per day.
There are also requirements that employers provide Summaries of Benefit
and Coverage (SBC) to each employee 30 days prior to their renewal and 60 days
in advance of any material changes to their plan outside of their renewal.
Avoid community ratings
Effective at renewal in 2014, one of the more substantial changes for
employers with less than 50 employees is the new rating structure, Community
Rating. Community rating will need health
insurance companies to give out health insurance policies to all people in an
area, at the same price and without medical underwriting, in spite of of their
health status.
Under this new structure, most groups will see a substantial increase in
rates by as much as 30 percent to 50 percent, he said. A strategy that Tambe is implementing for some
of his clients is to renew their current group plan Dec. 1, 2013, which will
allow them to maintain their current rating structure rather than immediately
moving to community rates.
Consider how you want
to grow long-term
Industries, if not all, some, like food service industries, retail, and
those with large unskilled workforces have traditionally employed large numbers
of part-time employees. These industries
may have to adjust workforce toward larger numbers of part time workers in
order to avoid the requirement of providing insurance to full time workers,
Mullins said.
“Maybe you’ll have to consider hiring a few extra part-timers to get
your people under 30 hours,” he said.
Tambe also said the rules are different for companies with under 50
employees compared with those employing more than 50, which should also factor
into business growth plans.
Controlled groups
beware
A controlled group must provide the same benefits to all of the employees
in all of the companies. This companies
are defined by the Internal Revenue Service as multiple
corporations connected to a single parent corporation through stock ownership.
Failure to do so could be considered discrimination, and land those
companies an IRS audit, Tambe said.
Take a look at self
insurance
More companies, particularly smaller companies, have been looking into
self insurance, and some providers are now offering self-insured options for as
few as 15 lives, Tambe said.
Here is how it goes, in a self-insured product, the employer pays all
employees’ minor health costs out of pocket, and buys coverage only for major
expenses only, “major” expenses defined in the range of more than $50,000 for
an individual, or more than $500,000 for the whole company, although there’s a
wide range of policies companies can buy.
Tambe said it can be a risk, but if employees are generally healthy,
chances are companies will save money.
Build a team of experts
Ultimately, Tambe said there is no single strategy for navigating the
ACA. It will affect companies differently depending on their industry, size,
and workforces.
Tambe said it’s important for employers work with a knowledgeable and
trusted advisor to come up with a long-term plan for their companies.
For that reason, he said professional employer organizations, or PEOs,
have been a popular option for employers to outsource the responsibility for
ACA compliance, as have using temps.
“For any one employer trying to do this, it’s going to be a whole lot of
work for HR,” Tambe said.
Friday, 16 August 2013
Westhill Consulting – Car Insurance Tips to Help You Buy Smarter
It doesn’t have to be intimidating; buying auto insurance doesn’t have to be stressful. There are many options to customize your policy needs base on your budget. If you are knowledgeable with some basic information you can make smarter insurance decisions. These car insurance tips can help you trim down choices and save time and money.
- · Make sure you’re legally covered
From
state to state, requirements of car insurance vary but one thing is the same
virtually everywhere in the U.S. and it is if you drive a car, you’re required
to have some form of car insurance or proof of financial responsibility. There are more than few factors such as your
driving record and insurance history, may affect your policy rates. You may begin here to find the minimum requirements
for your state.
- · Understand your insurance options
Car
insurance can sometimes be a bit confusing sometimes; it can be complicated to
look at because of many choices available to protect you and your car. For you to understand basics, there are nationwide
offers such as the following the difference between collision and
comprehensive, before you call an agent or get a quote online.
·
Get
at least three quotes
It
will help if you get quotes from at least three insurance companies you compare
price and service options. It is
necessary that you request the same coverage from each to get an
apples-to-apples comparison. Rates may
differ from one company to another.
Remember that not because it is the lowest it is the best because the
lowest priced insurance may not give you all the coverage you need. Check for every detail, look at
price, amount of coverage, benefits and claims services before you make your
decision.
- · Take advantage of discounts
This
may surprise you, a number of discounts available to lower you for auto
insurance rates. An example is if you
insure multiple vehicles with Nationwide or stay with us for at least five
years, you may receive substantial savings.
You have to ask about these and other auto insurance discounts when you
shop for a policy.
·
Look
for extra help when you need it
Nationwide
tenders extra products and services for purchase to give the drivers in your
family even additional protection.
Ø
Accident
Forgiveness –With this optional coverage, Nationwide will not raise your auto
insurance rates following your first at-fault automobile accident.
Ø
Roadside
Assistance – Nationwide Roadside Assistance coverage is available in two
different levels, Basic and Plus, so you can choose the one that works best
with your budget. Get covered for fuel delivery, lockout service, jump-starts
and more.
Ø
Loss
of use – If you can’t drive your car due to a covered loss, this coverage helps
pay for a rental car or other transportation expenses so you can get back on
the road.
Sunday, 11 August 2013
Westhill Consulting Healthcare - Terms and Conditions
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Saturday, 10 August 2013
FourSquare TIP - Westhill Consulting : Healthcare & Insurance - Individuals, families and the self employed Health Insurance
Spiritual Center in Jakarta,
Jakarta
It is hard to find a health insurance in the current situation
of our marketplace. It seems impossible to get one of those as per this
individual health insurance can offer you a confusing array of options more
especially if you're one of the millions of Americans who buys their own health
coverage. This health coverage are sometimes good but not always and worse few
are expensive.
Sunday, 4 August 2013
Westhill Consulting Insurance - San Francisco, CA - Yelp Page
Jl Jendral Sudirman Kav
3-4
Jakarta
San Francisco, CA 10220(221) 573-5843
Jakarta
San Francisco, CA 10220(221) 573-5843
Specialties
I understand that insurance is a major buget consideration for
any person, family or business, and our mission is to serve the needs of the
residents of Denham Springs, Walker, Livingston, Central and Baton Rouge area
as well as other areas of the state of Louisiana by offering Auto Insurance,
Home Insurance, Life Insurance, Business Insurance, & Health Insurance at
competitive prices with exceptional customer service.
Thursday, 1 August 2013
Westhill Consulting Insurance - Important Tips From a Health Insurance
Never take medical health insurance advice from someone that is absolutely unqualified to give you with these tips!!
Don’t take medical health insurance advice from someone unqualified to provide these tips. Seek any adverse health insurance specialist, they’ve analyzed and therefore are licensed to provide these tips and they are liberated to you. Rely On Them!!
All of us have our own opinion of what health plan we want. And not because someone is your relative, someone you know or someone he knows are associated with some section of healthcare totally not connected to insurance, does not necessarily mean they are completely knowledgeable of the solutions for your individual needs and questions. And even before problems show up, insurance specialists are always readily available. Most insurance specialists get compensated through insurance service providers, so their professional services can you. Rely On Them!!
Determine your actual needs.
Consider your actual needs. Request yourself questions so guess what happens your particular health plan needs are, that method for you to make certain you choose an agenda that fits them. In the end, if you do not understand what you really need inside a plan, how would you determine if you’ve encounter the best fit?
Consider your budget, designs of physician and hospital visits, and prescription medication usage when identifying your requirements. Reflect on these questions: How often would you go to your physician? Do you opt for examinations only or do you opt for sick visits? The number of occasions are you currently within the hospital previously 24 months? Would you take regular medications? What exactly are they? Generic or Brands? This really is another area where the majority of my clients neglect.
In the majority of those areas in roughly any affordable way, it is not easy to have maximum coverage because maximum coverage for that physician and hospital plus medications leaves a dent or dimple within the budget. Though, almost every medical health insurance plans offer several version of the identical plan.
Resist the need to in excess of-insure!!
Resist the need to in excess of-insure! Healthcare Reform has transformed the number of plans work and you’ll have the ability to receive ample or superlative coverage without over-covering. And more importantly, with no hefty rates!
Some thinks that if the have maximum coverage for doctors, hospitals, and medications; they have “good” insurance. But in reality it is simple, many people who definitely are approved for individual medical health insurance will not need all of this coverage. What you need to understand is: Healthcare Reform and prevent-Loss. First, Healthcare Reform enables for maintenance services to become covered at 100%. For instance, should you only get examinations, why sign up for the program with 100% doctor’s visit coverage? Sign up for the program having a lower premium and pays $10 copay for the sick visit.
Then, choose your plan after following the above tips.
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Then, choose your plan after following the above tips.