Resources

As a leading benefits brokerage firm, we work hard to provide you with a wealth of valuable online content and resources. This page makes it easy to find information on both individual health insurance and employee benefits. Feel free to bookmark this page and use it as your online source for trusted information on a variety of insurance and related subjects. If you have a question that is not answered on this site, please feel free to contact us and we will answer it as soon as we can.

Frequently Asked Questions    Glossary

Helping you find information about various health and wellness topics is important to us. The following links to external websites will provide some information about a number of topics.

Helping you find information about various health and wellness topics is important to us. The following links to external websites will provide some information about a number of topics.

How to Get a Cheap Workout: 8 Ideas for Building a $100 Home Gym

In a trying economy it is sometimes difficult to come up with the extra money to spend on monthly gym fees. This article explains how for a $100 you can use items around your home to create a gym to meet your fitness needs. | From US News

Does Exercise Really Keep Us Healthy?

See what walking 20 minutes a day or maintaining a regular fitness schedule can do for long term health. Exercise is just one ingredient to a healthy lifestyle, so read this article to find what you can do to stay as healthy as possible. | From The New York Times

Musicians Have Better Memory — Not Just for Music, but Words and Pictures Too

Do musicians have better memory than those who are not musically inclined? Several tests were performed to test the memory of musicians and non-musicians. You might be shocked to read what the results found. | From ScienceBlogs.com

Programs Moving Nation From Sick Care Toward Wellness Care

We tend to obsess over how we can fix our health once we are sick. But what can we do to prevent our health from deteriorating? Doctors at several prominent healthcare clinics are researching how we can avoid future ailments that might come our way. | From North County Times

Count Calories to Drop Pounds

Understand the importance of counting calories when trying to lose weight. (PDF)

Surviving Summer Heat

This PDF contains tips for beating summer heat and avoiding common heat-related ailments. (PDF)

Skin Cancer and the Sun

Keep yourself informed about skin cancer and how you can help yourself and loved ones prevent sun damage. (PDF)

  • 10 Reasons to Love HSA
  • Comparing MSA, HSA, HRA, and FSA
  • Understanding HSA
  • HSA Eligible Expenses
  • HSA Frequently Asked Questions

Some of these links are available in portable document format (PDF). To view the links, you may need to download the latest version of Adobe® Acrobat® Reader available at www.adobe.com.

A desk covered in piles of semi-sorted paperwork. A computer stalled with ten applications running. A coffee cup with the cold remains of the morning’s third dose of caffeine. You thought you had enough work to do running your company. Now you have to keep up with COBRA administration?

Signed into law in 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) requires employers who provide group health plans to offer extended coverage at the group rate to employees in certain instances where coverage might otherwise be terminated. COBRA benefits come into effect the day after what is referred to as a “qualifying event.” Qualifying events are events such as voluntary or involuntary termination of employment or a significant reduction in the number of hours of employment that would normally cause an employee to lose health coverage. If the employee is eligible and applies for COBRA benefits, the company must continue to provide them with coverage at the group rate for up to 18 months. During this time, premiums cannot exceed 102 percent of the previous rate. Coverage may end earlier if premiums are not paid on time, the employer ceases any group health plan, the employee obtains equal coverage with another employer’s group plan, or if a beneficiary becomes entitled to Medicare benefits.

COBRA regulations apply to employers with 20 or more employees. Beneficiaries include the covered employee as well as their spouse and dependent children. Qualifying events for spouses and dependent children include the death of the covered employee, divorce, or loss of dependent child status.

Cal-COBRA regulations apply to small businesses in California with group health plans that cover 2 to 19 employees. Cal-COBRA benefits allow employees to keep group insurance costs for up to 36 months. If an employee uses up their 18 months of Federal COBRA benefits, they may buy up to 18 more months of health insurance under Cal-COBRA.

COBRA and Cal-COBRA regulations can be complicated, and penalties for noncompliance are expensive, costing companies from $100 per day for each day of noncompliance to $2500 for every employee affected. Experts at William J. King & Associates are happy to answer all of your COBRA and Cal-COBRA administration questions and provide you with the support you need to have the most efficient health coverage program possible.

  • California COBRA Comparison
  • COBRA Administration Flow Chart
  • COBRA and ARRA Employer Answers
  • An Employees Guide to Understanding COBRA
  • Top 10 COBRA Mistakes

Some of these links are available in portable document format (PDF). To view the links, you may need to download the latest version of Adobe® Acrobat® Reader available at www.adobe.com.

Compliance violations can cost up to $200 per day per employee, per infraction. Save time and money getting organized and in control.

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