Online ACA enrollment for small businesses delayed
News outlets around the country reported this afternoon that small businesses seeking to buy health insurance under President Barack Obama’s health care law will have to wait a couple of months before they can complete the process online, according to Obama Administration officials today.
On Tuesday, Oct. 1, the online health insurance markets (also known as SHOP exchanges) created by the ACA law for individuals and small businesses are scheduled to open. Small- business owners will still be able to go online, compare options and start an application, but they won’t be able to finalize it until sometime in November. That would still allow the firms to get coverage for their employees by Jan. 1.
As the MBPA gets more information about this change, we will continue to inform our members.
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Join us for a health care reform
webinar on September 25
Please join Michigan Business & Professional Association for a free Webinar on September 25 at 9:30 AM (Eastern Time). During this Webinar, the requirements for reporting the aggregate cost of applicable employer-sponsored coverage on an employee’s Form W-2 will be reviewed. This reporting requirement is first required for the 2013 tax year. This means that the value must be reported on Form W-2 issued in January 2014 for the 2013 tax year.
This Webinar will be approximately 60 minutes in length.
Are you prepared to advise your employer or your clients on this requirement?
From this Webinar, you will learn:
Which employers are subject to the reporting requirement.
What is applicable employer-sponsored coverage?
How to determine the aggregate reportable cost.
Which methods are permitted for calculating the cost of coverage.
Other issues that must be dealt with in calculating the cost of coverage.
Any transition relief available to employers and coverage.
The Webinar will be conducted by Attorney Larry Grudzien.
Title: Form W-2 Reporting – Including the Cost of Employer Health Coverage for 2013
Date: Wednesday, September 25, 2013
Time: 9:30 PM – 10:30 AM EDT
After registering you will receive a confirmation email containing information about joining the Webinar.
System Requirements PC-based attendees Required: Windows® 7, Vista, XP or 2003 Server
Mac®-based attendees Required: Mac OS® X 10.6 or newer
Mobile attendees Required: iPhone®, iPad®, Android™ phone or Android tablet
https://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.png00michbusinesshttps://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.pngmichbusiness2013-09-06 07:49:122015-10-08 00:00:00Join us for “Form W-2 Reporting – Including the Cost of Employer Health Coverage for 2013
The Affordable Care Act requires that every employer must provide all of their part-time and full-time employees with a notice regarding the Health Insurance Marketplace by October 1, 2013. We are encouraging members to do this in early September at the latest.
To be compliant with the Department of Labor, one of two notices MUST be sent. One notice is for employers that currently offer health insurance as an employee benefit, and the other notice is for employers that do not offer health insurance as an employee benefit. Going forward, new hires must receive notice with 14 days of the start date of employment.
MBPA now offers our members a new service to help you provide these required notifications. You Now Have Convenient Options to Notify your Employees:
Create Your Own Employer Notifications On-Line…. FREE & available immediately
You may distribute these in person
You can email them to your employees (provided they have a company issued computer available to them)
OR, we can mail it to your employee’s home at a nominal cost, through our partnership with BASIC – call us for a custom quote.
Use our secured, easy-to-use member pavilion to help you satisfy the requirement, by completing the online form and printing the notifications for your employees; similar to MBPA’s exclusive SPD and 125 document.
When you log in, you can quickly complete the information required by the Affordable Care Act.
It’s that simple, fast, and easy; just click “Print” and you’re done!
We help “Make Your Business Better” by making it simple and easy to comply. Don’t wait until after the deadline to get started!
https://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.png00michbusinesshttps://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.pngmichbusiness2013-08-20 16:00:582015-10-08 00:00:00Health Care Reform Connect™ – Assistance With Employer Notifications Of The Marketplace
August 7, 2013 – Warren, MI – As part of its ongoing commitment to help Michigan businesses prepare for health care reform, the Michigan Business and Professional Association (MBPA) is hosting a Health Care Reform Connect Conference. The conference will take place on Tuesday, Sept. 24, 2013 from 8:00 a.m. until 1:30 p.m.at the MSU Management Education Center, 811 W. Square Lake Rd. in Troy.
This conference is designed for any business or trusted advisor preparing for the immediate rules related to Health Care Reform. A special education session will feature a speaker from the U.S. Dept. of Health and Human Services (HHS) from Washington D.C., who will speak about the latest updates to the Affordable Care Act (ACA) and answer questions from the audience. The HHS is in charge of the federal health care law and its execution and or delays.
The day’s events will start off with registration and networking at 8:00 a.m. and a series of interactive sessions with experts discussing: What’s New, What are the Exchange Options, What Changes Will Be Required of Your Benefit Plan, and more.
Association members can attend the conference for $100; non-members for $125. Admission includes all workshops and brunch. For more information or to register, call 586-393-8800 or visit www.michbusiness.org.
Sponsors of this event include: Blue Cross Blue Shield of Michigan, Clark Hill, BASIC, Michigan Small Business Training and Development Center, and 101 Best and Brightest Companies to Work For.
The Michigan Business and Professional Association boasts a statewide sphere of influence that no other organization of its kind can claim, leveraging a depth of programs and community initiatives that positively impact more than 150,000 businesses.
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If you read business headlines in trade publications these days, you have probably seen warnings about “Misclassification” of workers. You may be wondering what the recent fuss about “misclassification” is all about. While the law as to who may be an independent contractor rather than an employee has not become more clear or more muddy in recent years, the fact is, the number of challenges to the status of workers so classified has, without question, increased. The challenges are only expected to continue as states and the federal government seek tax revenue.
Take for example the underfunded liability of many state unemployment trust funds. Unemployment benefits paid out each year have resulted in further depletion of those funds. When a former worker files a claim for unemployment compensation, if you have treated the person as a contractor, you should not be surprised if you face an audit of all workers similarly classified by your company. Further, when a worker gets hurt working for you, it is likely that you will then face a claim that the worker was an employee and your insurance carrier may then ask some questions about who you are classifying as a contractor.
To make matters worse, some states are passing legislation that provide for assessment of penalties for misclassification of workers. These penalties include penalties to be assessed against agents and officers of corporations and partnerships. The penalties can be steep since the laws typically impose the penalty for each person misclassified. The states that have passed such legislation include California (no surprise there) but most recently, Illinois, in the heart of the Mid-West. The new Illinois law was designed to curtail employee misclassification in the construction industry. Other states have bills pending or legislation passed in the last few years that relate to the misclassification issue with some laws designed to clarify definitions, some providing expanded benefits for contractors and/or others providing for penalties.
Companies that utilize independent contractors should review the relationship to be certain it is proper, i.e., are the persons really an employee rather than a contractor. Such reviews would be prudent now, rather than after claims are filed. This issue is even more important for employers that classify several workers in this manner, as such workers may become the focus of an audit by a federal or state agency.
In Michigan, the courts look at whether there is a written agreement defining the relationship. While having an agreement is not the end of the story, since it can be helpful, companies, to the extent that they use contractors. should make sure that one is in place between it and the worker. Companies should also consider the degree of control, whether the worker works primarily for the company, who supplies the equipment, who determines hours, etc. The bottom line is that for years, this issue was largely ignored, but given the reality of tax coffers and funding sources for other employment issues, the government has put it on the front burner. This means it should be on your front burner.
Jennifer Buckley is a Member of Clark Hill, PLC and is in its Employment Law Practice Group. She has defended employers in actions brought by employees in state and federal court actions, before labor arbitrators and state and federal agencies for more than 25 years. She advises employers on employment legislation, best practices, and policies. Jennifer has been named one of the Top Lawyers by dbusiness Magazine, and for several years, a Michigan Super Lawyer and one of the Best Lawyers in America in 2012 and 2013. For questions, Jennifer Buckley can be reached at jbuckley@clarkhill.com or (313) 300-4141.
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You are a Brand. Your brand is you and you take it with you wherever you go, whether you work for yourself or for someone else. It even follows you if you change industries. But here’s the thing, Brand YOU is constantly evolving and you can continuously build your brand.
My favorite definition of brand comes from one of my favorite business thinkers and writers, Seth Godin. I’ve modified it just a bit to relate to your personal brand as a professional. “A brand is the set of expectations, memories, stories and relationships that, taken together, account for a client’s decision to choose one provider over another. If the buyer doesn’t pay a premium, make a selection or spread the word, then no brand value exists for that buyer. Your brand’s value is merely the sum total of how much extra people will pay, or how often they choose, the expectations, memories, stories and relationships of one brand over the alternatives.”
So how do you go about building your personal brand? Here are nine suggestions:
1. Establish expectations for remarkable experiences.
You must always be stretching beyond good. Never be satisfied with delivering a good product at a good price on time. Everyone who is still is business does those things. Those are the cost of entry into the game. With every interaction with your customers, you need to leave them feeling great about themselves and about you. Set a standard for yourself to be fascinating, remarkable, outstanding. Create high expectations for yourself and then deliver.
2. Make it memorable.
What are the little extras that you can do to make your interactions with your clients memorable? Your customer will remember the handwritten thank you note that you send. She’ll remember the extra spec samples that you had made up or some additional ways to help her achieve her goals. He’ll remember that you took the time to provide a post-project review of what worked, what could be better and the results of the program. They’ll even remember that your invoice was accurate, timely and conformed to their corporate requirements. Your brand is built with the details and the extras.
3. Tell Stories.
People love stories. Tell them. From earliest childhood and going back through history, it is the story tellers who become leaders. How can you reframe your presentations into stories? Use case histories. Ask your reps about successful uses and applications. Make the stories personal, funny, compelling and you’ll gain a reputation of someone who understands his business.
4. Be a friend.
Always make it about the relationship. Get to know your customers and you’ll learn what is important to them. You will just naturally be looking out for their best interest. You will take the Golden Rule and move it up a notch to the Platinum Rule: Do Unto Others As They Would Have Done For Them. Friends do favors without keeping score. Friends genuinely like each other. Friends have something to talk about even if there isn’t an immediate business project at stake.
5. Know What You Stand For and Take a Stand.
If your brand is to be known for something, you need to define it. Choose honesty, integrity, reliability, of course. But go deeper. What is it that you stand for and then be uncompromising on your principles. Become known as being impeccable. If you know what you are worth, charge for it and never lower your price without taking something back in return.
6. Know What You’re Good At and Be Great At it.
A specialist in any profession makes more money and is in higher demand than any generalist. With the hundreds of thousands of products and hundreds of categories available in our industry, you simply cannot be the best at all of them. Choose your niche, choose your product category, choose your client industry and then work at becoming world-class at them. It will mean sometimes saying “no” to a tempting client or project. Define yourself and become the favorite brand in your category.
7. Be Consistent.
Brands are built over time. Being consistent means that you follow your principles always. It means that you are authentic and transparent. It means that you remind yourself every single day of who you are, why you are doing what you are doing and you provide value. Every single day you need to be turning strangers into friends, friends into customers and those customers into raving fans.
8. Make Your Mark.
Get serious about becoming a brand. Buy a domain name that is uniquely you. It can be your name, your nickname, your brand name, even what you do. If you have a unique name, make that your brand name. Or, create a combination of your name and your specialty. You may even create a logo for yourself. But your mark can be your colors, your apparel, your briefcase, your scent, sound or any of the senses. Just as major brands change and update their logos, you can as well. Be noticeable and be noticeably consistent.
9. Promote Your Brand.
You must promote. Promote your brand by providing useful content – like a friend would – free. Use your social media presence to extend your reach, but make sure you are following the previous principles in all of your promotion. Be yourself and be true to yourself.
Work constantly on becoming the preferred brand in your category. Build it and they will become raving fans!
Paul A. Kiewiet, MAS, is a former chairman of the Promotional Products Association International, and an international speaker, writer, coach and facilitator. Contact him at: 269-806-4489, or paul@brandkiwi.com; or visit http://www.create2bgreat.com.
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Websites are an important tool for establishing credibility, informing, educating and driving more traffic into your business pipeline. However, websites with only plain text, pictures or graphics miss opportunities to grab and keep the attention of viewers.
Today Online Video Marketing helps to fill that attention and informational gap and has been proven by experts to be a new trend in successful marketing strategies.
Cisco reports that Internet video will account for 90% of global consumer Internet traffic and 64% of mobile traffic.
Today 33% of phones are smart which means they can visit your website with a click of a button and your online video.
Your Business Needs to be Where Your B2b or B2c Clients are Everyday
Consumers who view video are 85% more likely to buy than visitors who do not.
Now is the time to turn your website from static text into dynamic moving images and sound. Here are five common mistakes to avoid in producing your online video.
Video is Too long: Exactly what is the correct length of an online video? Business people ask the same question of promotional copy. The answer is simple. Your online video should be only as long as you can maintain the interest and attention of your viewer.
Weak Message: There are many causes of this problem but among the biggest offenders is the use of “platitudes.” This is the use of language that describes your product or service that is thought to be meaningful or significant but means nothing to your viewer. For example, “most professional, biggest inventory, highest quality, best service, honest, licensed, bonded,” etc. Avoid blending in with the herd. The point is that if your competitors can say the same thing, then there’s no compelling difference or reason to buy from you.
Flash Over Substance: Have you ever watched a movie filled with explosive graphics, animation and special effects but a poor story line? It’s like filling up on junk food but absent of essential nutrition. Admittedly, I love both, but when it comes to effective online video, the quality of your content is essential for connecting with your target audience. Content is king. Get competent marketing advice before you begin your script.
Amateur Video: While some say, “Any video is better than no video,” I say it depends on what your target audience values. How about using the video camera on your smart phone? In some situations it may make sense however, the movie is often unstable, the sound comes across hollow, and lighting can be poor. Ask yourself, “How do I want the business to be perceived?” Make sure the quality of your online video is consistent with your image.
Wooden or Pretentious Presentation: People are the best subjects for making an emotional connection to viewers. However, if the presenter is stiff, arrogant or uncomfortable, it usually leaves a negative effect on viewers. An authentic presentation is the result of planning, message preparation, practice, staging, and all much easier when you can enlist the experience of a competent professional to pull it all together. Look for more than just a camera technician to create an authentic and effective online video. Skills in marketing and presentation coaching make the video stand out and the overall process run smoother with less stress.
You Have But Seconds to Capture the Interest of Your Targeted Audience
If you do it right online videos can increase business profile clicks by 30%, calls by 18% and website visits by 55%. Here are four tips and techniques to produce more effective online videos.
Clarify Your Intent: What is the purpose of your online video? Is it about your company, FAQs, service reviews, tips, testimonials? Most people don’t want to be pressured or sold. Instead, educate and provide relevant information. Position yourself or your business, as experts or authorities and you’ll come across with more credibility.
Make a Person-to-Person Connection: People buy from people they trust. Text on a printed page cannot possibly convey as much relationship information as a video. Why? Viewers more readily connect to people as a result of their message delivery, voice tone, and body language. A well produced and delivered video can trump pages of written web text and accelerate trust. Feature the owner of your company, employees who are passionate and knowledgeable about your offer or bring in outside talent. Video is perfect for client testimonials.
Be Concise: Make your video only as long as it will maintain viewer attention. If the message is longer than a couple of minutes, then break it up. Great video comes from expert message and delivery preparation. Find a video producer that also understands marketing and presentation skills. Where possible chunk your segments down to one or two minutes.
Offer Low Risk Action Steps: Online advertising is set to grow by over 11%, claiming 20% of the world’s advertising dollars and overtaking print as the second biggest global media category after television. That’s good news for businesses that use online video. But keep in mind people are not always ready to buy from you just because they visited your website. You want to create a funnel into your sales pipeline. At the end of your video message suggest a low risk action step to further the relationship. Offer a free report, consultation, phone call, coupon, etc. Give them a non-threatening reason to take another step with your company rather than pressuring them to buy this instant.
85% of U.S. Internet Users Watch Online Videos With an Average of 186 Videos Viewed Per Month
Website text is good. Pictures are better. But nothing engages like online video because people are used to watching TV so online video beats plain text, graphics and pictures.
Now is the time to hop on the online video bandwagon and give your website traffic, clicks, visits and rankings a dynamic boost.
Finally, it takes years to build a good relationship with a client but only seconds to lose them to a competitor with dynamic, engaging and informational online video content on the Internet.
Daron Powers consults and speaks to professionals, small, midsized and fortune 500 companies and collaborates with businesses to develop and refine marketing strategy/plans, content for websites, article writing, online videos, web marketing, sales presentations, selling tools, etc. Visit: DaronPowers.com, OnlineVideoPower.com. Email: info@OnlineVideoPower.com. Phone: 248-470-8379
https://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.png00michbusinesshttps://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.pngmichbusiness2013-08-13 16:00:302015-10-08 00:00:00How To Use Online Video To Make Your Website Come Alive and Grow Your Business
The Michigan Business & Professional Association (MBPA) and the Michigan Food & Beverage Association (MFBA) continue to offer members and the agent community tools and resources to help with navigating health care reform.
Monthly Health Care Reform Webinars – Covering timely reform content
Health Care Reform Conferences – A must attend for every business owner
Small Business Health Care Reform Guide – A valuable tool that summarizes major ACA provisions, examines the impact on Michigan business, explains the insurance exchange concept, and offers suggestions about talking to employees and provides information about important resources.
Online Health Tax Credit Estimator – A member benefit that helps you calculate whether you are entitled to receive a tax credit as well as its approximate amount.
Online Employee FTE Calculator – Helps you determine whether you are a “large employer” under the Affordable Care Act (ACA) based on your Full Time Employee (FTE) count.
Health Care Reform Business Checklist – Will inform you of ACA implications based on your business size.
Health Care Reform Timeline – This tool will help educate you on the rollout of health care reform.
Health Care Reform Compliance Tools Web Section – This secured section of our website allows members as well as agents to access the health care reform tools and resources, plus it provides links to articles, white papers, and videos on health care reform.
Member Health Care Helpline – Members can submit their specific health care reform questions and receive feedback within a quick timeframe (Typically 24 hours).
Sign up today for MBPA’s Metro Detroit Health Care Reform Conference:
Date: Tuesday, September 24, 2013
Time: 8:00 am – 1:30 pm
Location: MSU Management Education Center, 811 W. Square Lake Rd., Troy, 48098
Additional Health Care Reform Resources: Blue Cross Blue Shield of Michigan is offering a series of FREE events focused on Health Care Reform for small and large businesses. For more information or to register for a seminar go to www.healthcareseminar.com
August 6: Lexington Lansing Hotel, Lansing 10 a.m.-12 p.m.
August 8: Horizons Conference Center, Saginaw Charter Twp. 8:30 a.m.-10:30 a.m.
August 13: Courtyard Grand Rapids Downtown, Grand Rapids 8:30 a.m.-10:30 a.m.
August 15: MSU Management Education Center, Troy 8:30 a.m.-10:30 a.m.
August 20: MSU Management Education Center, Troy 8:30 a.m.-10:30 a.m.
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The Michigan Business & Professional Association (MBPA) and the Michigan Food & Beverage Association (MFBA) are notifying members that they may want to consider changing their Plan year date and Renewal date as a result of Health Care Reform’s (ACA) provisions on how carriers can rate the small group market.
You currently have the option to change your plan year date (found within your Summary Plan Description – SPD) to a more favorable date that delays the negative impact of rating factor changes until your renewal date in 2014. We are encouraging members to adjust their plan year date to the latest possible date such as a 12/1 plan year, and coordinate with your insurance carrier such as Blue Cross Blue Shield of Michigan to change your renewal date to 12/1. This will give you several more months of non-reform products (and possibly lower costs vs. new reform products). The MBPA / MFBA encourage you to speak with your health insurance agent about your options today.
What are the Blues doing? Currently BCBSM is offering small group customers with a current renewal month between January and October the opportunity to change their renewal month to November or December 2013. NOTE: This option is not available for groups currently enrolled in a Blue Care Network HRA, Healthy Blue Living or Healthy Blue Living Rewards product. If you choose to change your renewal month, you will need to submit a signed renewal month change form prior to July 15, 2013(Important: should this date be extended you will hear directly from the Blues). Your health insurance agent will work with you to coordinate your request with BCBSM.
Beginning January 1, 2014 the Affordable Care Act (ACA) provisions will impact how carriers can rate their small group members.
Key ACA provisions impacting rates (on and off the Exchange / Marketplace) are:
Guarantee Issue
Rating standards (age, tobacco use, geography, family size, removal of industry factor and CCF max)
Allowance for member level rating
State specific rating regions
Taxes & Fees
What this means – By renewing in November or December 2013, you may be able to delay the impact of rating factor changes until your renewal date in 2014.
Remember as a member of MBPA or MFBA the required SPD’s are free as a part of your annual membership dues. Contact our office today for assistance with your company’s Summary Plan Description.
https://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.png00michbusinesshttps://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.pngmichbusiness2013-07-01 11:05:002015-10-08 00:00:00Consider Changing Your Company’s Renewal Month
The Michigan Business and Professionals Association boasts a statewide sphere of influence that no other organization of its kind can claim, leveraging a depth of programs and community initiatives that positively impact more than 150,000 businesses.
MBPA’s impact is felt by approximately one out of every three businesses in the state. The employees of these 150,000-plus businesses represent an untold number of additional lives positively affected by the organization’s mission and history of successful business partnership.
Through our organization’s programs, affiliates and sister companies, this translates to hundreds of thousands of professionals and leaders in our statewide business community, effecting transformative change with one collective mission and guiding priority—making your business better.
With over 30 educational workshops and conferences, 100 business programs and the 101 Best and Brightest series of recognition and educational programs, MBPA provides tangible, measurable and demonstrable improvement on business, profitability, employee welfare and economic stability in the state.
MBPA’s reach further touches more than 20,000 individuals in our community, who we have been positively impacted by our substantial and meaningful charity initiatives. These programs notably include Metro Detroit Youth Day, as well as our work with several nonprofit organizations with whom we engage as an organization and as individual citizen partners.
MBPA’s representatives serve on more than 40 community-based boards that share our mission to improve our collective business and societal community.
MBPA also has a direct impact with thousands of individuals in print, broadcast and electronic media, as well as those within state government.
Our depth of business partnerships and breadth of community involvement represent a collective, measurable and positive impact on individuals statewide that, all told, number in the hundreds of thousands—and growing!
https://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.png00michbusinesshttps://mb-wp-uploads.s3.us-east-1.amazonaws.com/2024/04/MichBusiness-logo.pngmichbusiness2013-06-04 16:00:552015-10-08 00:00:00MBPA: The Most Powerful Influence on Business in the State of Michigan
By Jennifer Buckley
By Paul A. Kiewiet
By Daron Powers
The Michigan Business and Professionals Association boasts a statewide sphere of influence that no other organization of its kind can claim, leveraging a depth of programs and community initiatives that positively impact more than 150,000 businesses. 