IRS 2011 changes to the employer contribution requirements (uniform percentage issue). According to the IRS current ‘final’ guidance, they were concerned with different percentage contributions between employees. Therefore, as long as the employee contribution percentage is consistent between employees, employers are not obligated to contribute to the dependents costs in order to qualify for the tax credit.

So therefore you can’t incentivize one employee and still get your tax credit!  Really?!  Well that is the rule and you will have to incentivize them some other way, because that tax credit is a great deal if you are a small business!

This applies to alot of insurance types, contact us to find out how you can save and incentivize your employees too!

Is it just me that it seems like more people die during the ‘holidays’ Thanksgiving and Christmas?  I know I have had several relatives die before and after Thanksgiving as well as right around Christmas they ranged from old age to freaky accident and cancer.

Unfortunately I think we are more sensative during these times and it definitely makes more of an impact at least mentally to remember aunt so in so dies the day before Thanksgiving in ???? or it was right before Christmas when ? died.

Well during this holiday season I hope yours is a joyous one and not a sad one, but know that no matter what we will all meet that time, death that is so if you want to pre-plan your wishes and know that things will be taken care of, that is to say you will have left enough money to at least cover your final expenses then you should look at one of your final expense plans.  Click here to read more

and I guess for the record I am not the only one that thinks of these morbid thoughts Here is someone else’s Article on just that