2025 W-2 Forms are now available in your GMS Connect employee portal here.

  • Be Prepared for worker's compensation claimsAlthough it’s still warm and the swimming pools are still open throughout Ohio, you’ve probably already started thinking about what needs to be done to prepare for the cold months ahead.

    This preparation for the inevitability of winter is a fact of life in this part of the country. Similarly, because you have some time to prepare for worker’s compensation claims (it takes two years before a claim impacts your premium), you can prepare yourself to mitigate the cost and impact on your BWC premium.

    Follow the tips below to protect yourself in the face of worker’s compensation claims: 

    Preparation Tip 1: Full and Final Settlement

    The most permanent way to address worker’s compensation claims, full and final settlement is an agreement on financial compensation to a claimant. In this scenario, the settlement covers all future medical and indemnity costs in a claim. The employer and the claimant sign the settlement, which is reviewed by the BWC. Once approved, the BWC disburses a check to the claimant.

    Preparation Tip 2: Worker’s Compensation Investigation

    In cases where an employer feels it’s likely that a claimant is working or active while on temporary total disability, a worker’s compensation investigation, which comprises of video surveillance, background checks, and life checks, can be initiated by the employer. Catching a claimant in the act of fraud will terminate the disability compensation.

    Preparation Tip 3: Independent Medical Exams

    Independent medical exams (IME) are assessments which are completed by a physician of the employer’s choosing.  The exam consists of a central idea or question that needs medical clarification. This can range from extent of disability, additional diagnoses allowance, appropriateness of treatment, and whether the claimant has reached a level of maximum medical improvement.  If the examining physician has all available medical information, the report can benefit the employer when the issue is presented to a hearing officer.

    Functional Capacity Exams (FCE) are a more specialized form of an IME in which the claimant’s heart rate is monitored during specific actions such as walking, reaching, or lifting. During these actions, if pain increases, the claimant’s heart rate should increase as well. This testing can provide definitive proof about whether the claimant is telling the truth, and the end report can help set a new range of restrictions or secure a complete return to work.

    Preparation Tip 4: Be Thorough

    Thorough and consistent hearing preparation keep your costs down. In order to present a complete case to a hearing officer, all of the facts should be available to clearly illustrate the employer’s position on a claim. Full medical disclosure, affidavits and statements, in-person testimony, and any additional information provided by the employer is crucial to successful hearing preparation.  Without a clear and convincing argument, the chances for winning the hearing greatly decrease.

    Are you prepared to handle worker’s compensation claims? Not sure where to start? Give GMS a call at 330-659-0100 today. We can help!

  • Take off the Recruiter Hat

    Life-work balance for small business owners begins with self-control. Owners say they have too many roles to play but stubbornly hang on to them all. Sooner or later, owners like you have to give up something. I would start with recruiting.

    Just for a moment, apply some time management to the task. List the minutes you spend on framing an ad or posting, on qualifying phone calls, on live interviews, and background checks. Add it up, and you will find you spend 4-5 hours on each candidate. If you are doing it well, that is about 30 hours out of your week.

    Assign your hourly rate to the 30, and add the hours it will take to train and orient the new hire. Lastly, determine how long it will take to regain the lost cost.

    Why Do it at All?

    Structured recruitment, expert interviewing, and regulatory compliance are some of the benefits of an established PEO.

    Leave it to Them

    One you are confident that your PEO understands your staffing needs and business culture, job descriptions and required skills, delegate the recruiting to the real pros. Among other reasons, the PEO has a fully functioning pipeline tapping the available labor pool for your needs and those of other clients. They have a constant figure on the pulse of available candidates. They also have a greater playing field, interview within Federal and state labor laws, and place those candidates who are ready and anxious to prove themselves.

    About the Author

    Carolyn Sokol is founder and President of PEOcompare.com, a current member of SHRM (Society for Human Resource Management) and writes on issues that affect small businesses.

    Image Credit: www.akersassistants.com

  • When I was little my mother always told me that “patience was a virtue”. That was always her response when my sister and I would bother her with the all too famous phrase of “Are we there yet?” during our annual family vacation trips. Little did I know that the phrase she would tell us would come in handy down the road in my career and more specifically, in the realm of unemployment claims management.

    The first thing I ask our clients when discussing a disqualifying separation of an employee is whether they followed their progressive disciplinary policy and if they kept a clear and concise record of the infractions that the employee committed. Every once in awhile they will respond with “Jane Doe was simply a poor worker who couldn’t get the job done. I knew that she wouldn’t be able to improve so I went ahead and let her go.” Because the State of Ohio is an At-Will State, this is perfectly fine and the employer is within their right to do so. Unfortunately, At-Will termination does not equal “for cause” termination, especially when it comes to unemployment claims management and ODJFS. When an employer discharges an employee, the burden of proof that the termination was with just cause is on the employer. Whether you terminated the individual within the first 90 days of employment or 5 years after hire, ODJFS will ask for a thorough record of evidence that establishes the claimant’s actions were a disregard for the standards of behavior the employer can rightfully expect form their employees. This is why having a comprehensive handbook and a thorough progressive disciplinary policy is important.

    First and foremost, have all of your employees sign off on an acknowledgement that states they have read and understood your company handbook. This portion is overlooked more often than not and along with an excerpt of the policy, is the most common document ODJFS will request when investigating a termination. Further, always enact your progressive discipline policy. This often includes verbal warnings, written warnings, performance improvement plans/suspensions, and the eventual termination. The Unemployment Office will look for any excuse to allow a claim, so documenting that you notified the employee of their wrongdoing and provided them with a path of improvement upon their mistakes will show ODJFS that you made a concerted effort to keep the claimant employed and that you use termination only as a last resort. By following these steps you will be able to provide ODJFS a detailed log of information that accurately and factually details the reasons why the termination was for cause.

    I’m proud to say that GMS boasts a 96.7% winning percentage on all “for cause” unemployment claims, which I would largely attribute to our clients following the aforementioned advice. By taking 10 minutes out of your day to explain your handbook or enact a reprimand, you could save as much as $13,000 per claim, something to think about before you decide to terminate an employee without the proper documentation. Patience is not only a virtue, but is also a money saver. 

  • President Obama’s administration has decided to delay enforcement of one of the key provisions in the Patient Protection and Affordable Care Act (PPACA): the Employer Mandate.

    Mark Mazur, Assistant Secretary for Tax Policy at the U.S. Department of the Treasury, posted on the White House’s Treasury blog on July 2. In this post, he announced that the administration has decided to postpone enforcement of the Employer Mandate portion of the Affordable Care Act by a full year.

    This was done because the administration has “heard concerns about the complexity of the requirements and the need for more time to implement them effectively. We recognize that the vast majority of businesses that will need to do this reporting already provide health insurance to their workers, and we want to make sure it is easy for others to do so.”

    According to the blog, this action accomplishes two goals: “First, it will allow us to consider ways to simplify the new reporting requirements consistent with the law. Second, it will provide time to adapt health coverage and reporting systems while employers are moving toward making health coverage affordable and accessible for their employees.”

    Employer Mandate Impact on Businesses

    Setting politics aside, I want to address the impact of this news on the business climate.

    People whose opinions I trust have shared that they think this law will be overturned. While many businesses would relish that, I was hesitant to believe that it would happen. Until I read this Wall Street journal editorial on July 3 that addresses the issue of the individual mandate. The article contents that the mandate cannot possibly survive this and be implemented on on 1/1/14.

    The reason, they cite, is in the name, Affordable Care Act. Individuals without coverage at work and those who earn lower income levels are supposed to be subsidized. This subsidizing would occur when buying insurance through exchanges.

    According to the WSJ editorial, “Individuals are only supposed to be eligible for ObamaCare’s subsidies if their employer doesn’t offer the right benefits. But how will the Treasury know who qualifies in 2014 if they lack the information that businesses are supposed to provide? Citizens must also pay the individual mandate-tax if they decline coverage from their employer. How will the Treasury verify these offers?

    In other words, who qualifies for the subsidies?

    When you look at these latest developments, plus the growing concerns that these Federal exchanges will not be ready to go by October of this year, the employer-sponsored healthcare landscape has become much more muddled.

    Do you think that the individual mandate will survive? Share your thoughts in the comments below.

  • For several years, GMS has been paying Ohio local taxes via Ohio Business Gateway. This method has saved us from printing 1,500 checks annually and the paper forms to go along with them. In a single quarter, GMS will pay over 1.2 million dollars in local tax payments to 180 jurisdictions. But what’s more exciting is that we uploaded and processed our first live electronic returns & payments to the ODJFS (Ohio Department of Job and Family Services) for Q2, 2013.

    What does this really mean?

    • We sent the agency a deposit that exceeded 1 million dollars. 
    • We avoided printing over 700 checks and the accompanying 1,800 sheets of additional paper. 
    • We avoided the extravagant shipping charges for such a large package and secured the payments by uploading rather than the standard delivery method.
    • We also no longer need to wait the typical 2-4 weeks for our returns to post, they are posted almost immediately. 
    • And best of all, we were the first TPA contacted to work with ODJFS on this filing method. 

    We’re very proud of the relationship we have with ODJFS and are happy to announce that we are now completely electronic with them. We get automated rate adjustments, automated tax notices and now electronic returns. If you have questions about your ODJFS account, please feel free to contact us at taxmail@groupmgmt.com.

  • Since the Affordable Care Act (ACA) passed in 2010, many business people and consumers have felt that their insurance costs were going to be going up. I’m sure they have never regretted being so right.

    The deadline looms for Ohio to submit insurance plan options to the federal government for the healthcare exchanges. As the deadline approaches, there have been more and more articles both locally and nationally that talk about projected increases in healthcare premiums.

    ACA Impact in Ohio

    In Ohio, Lt. Governor and Director of Insurance Mary Taylor has talked about small businesses seeing an increase between 50-85%. Some companies may even see an increase as large as 150%, she says. Granted, under the ACA, companies with older or sicker populations may see their premiums shrink by as much as 40%. However, those with populations which were once more desirable will see a huge increase. This is due to the law’s provision that rates must be based on a large community (community rating) with premiums being more equally spread over that community.

    Many news stories are being written about the “unintended consequences” of this law. Some of the ACA’s biggest supporters, like unions and members of President Obama’s party, are beginning to voice serious concerns about the law.

    Understanding the ACA

    Of course, the ACA is now the law of the land thanks to the Supreme Court’s ruling in June of 2012. That means that employers will have to make pretty tough decisions in the next few months as more of the law’s features begin taking effect. Many employers have been taking advantage of what has become a cottage industry of late, the Obamacare seminars. However, those have left many employers even more confused.

    Large companies are also confused, but have more resources to guide them through these waters. Small business owners must learn to navigate them alone, or do what others have done and begin conversations with a Professional Employer Organization (PEO) like GMS. A PEO can provide small businesses the same resources and infrastructure that a large company has without all of the associated costs.

    PEOs Can Help

    For further information on how a PEO can help you deal with the ACA, contact Tim Austin at taustin@groupmgmt.com or 330-659-0101.

    “Stethoscope and Piggy Bank,” ©401(K) 2012, used under Creative Commons Attribution-ShareAlike 2.0 Generic license.

  • When you think “sexy,” you don’t automatically think “HR.”

    I’m not talking about the kind of sexiness of the first time I held my wife’s hand. I’m talking about business sexy— what makes a company interesting and what makes an industry intriguing. What gets people excited.

    On the surface, HR doesn’t seem like it would fit the bill. Labor laws, payroll, benefits, HealthCare reform, compliance, BWC, worker’s compensation, unemployment, recruiting, handbooks, job descriptions etc… this is not necessarily scintillating stuff.

    But is sexiness like beauty? Is it in the eye of the beholder?

    I mean, look at what PEOs can do:

    • Provide jobs when the unemployment rate is high.
    • Offer essential benefits to employees and their families.
    • Recruit talent so owners can focus on growing their business.

    Look what GMS has done:

    • Reduce a company’s unemployment rate from 7.7% down to 1.2%.
    • Shrink a company’s healthcare premium from $82,473 to $71,397.
    • Lower a worker’s comp bill from $211,000 to $130,000$13,622 to $9,409.
    • Decrease the number of a company’s habitual tobacco users from 33% to 11%.
    • Replace a company’s method of using a typewriter to prepare payroll checks with direct deposit.

    These are real-life stories, and they represent a fraction of the services we provide. We tangibly improve peoples’ lives. When you look at it with this perspective, it’s clear that we are in one of the sexiest of industries around. It may not be as sexy as seeing her walk down the aisle, but nonetheless: PEOs are bringing sexy back.

    So I ask you, what is it that makes your business or industry sexy?

     

    Image from Free Images

  • What if I told you that you can accomplish all of your HR goals?

     

    You can. You just need to form a few good habits.

     

    Check out my guest blog post on Easy Small Business HR. In it, I explore the ways to make success a habit. Your HR successes help you — and your business — succeed.

  • Do you travel for work? Do you find it hard to keep a routine? You aren’t alone.

    Research from Columbia University has found that people who travel for two weeks or more per month are more likely to gain weight than those that don’t travel.

    I recently attended the Social Media Strategies Summit 2013 in Chicago with Tim Austin (GMS Vice President of Sales). As part of the conference, we picked up some great tips about staying healthy while travelling for business. These tips were provided by frequent business travelers and experts including healthy-living TV host Hope Bertram, who is also the director of marketing at SMSS. Bertram shared great ways to combat this risk by doing a little research and preparation before you travel.

      1. Working Out

    Does your hotel have a fitness center? What are the hours of operation? Arrange your schedule to take advantage of these facilities.

      1. Healthy Dining

    Are there restaurants nearby that serve healthy food? Use your phone to search for ‘healthy restaurants.’

      1. Healthy Snacking

    Plan ahead and bring healthy snacks. Apples, peanut butter packets, and similar items transport easily and give you an energy boost.

      1. Walking

    While you’re traveling, don’t stop walking! Walk from your hotel to the conference center instead of taking a cab. If your conference is in your hotel, take a room far from the elevator.

      1. Paying Attention

    Don’t mindlessly eat. Track your calories on an app so you know what you’re consuming. Drink water to stay hydrated and get as much rest as you can.

    As I say in the release, “As you send your employees to attend seminars, it’s important to have wellness at the forefront of their minds by incorporating healthy business travel opportunities. Make sure you have policies in place to encourage your employees to make smart and healthy decisions while traveling.”

    “Red Apple,” © 2009 Abhijit Tembhekar, used under Creative Commons Attribution-Share Alike 2.0 Generic License.

  • If we asked you to guess the top reasons people hate their job, what reasons come to mind?

    The National Business Research Institute took a poll through Twitter and found that 33% of people blamed their job blues on annoying coworkers

    So how can you avoid hiring one of the 15 most annoying coworkers, and select the best candidate for the position? 

    We collected the articles below that share how to prepare for an interview, interview tips, and questions to ask when bringing on a new employee. 

    These tips will help you as you assess the skills, experience, and cultural fit of your potential employees.  

    How to interview for the best candidate. Image says Now Hiring. “hiring” by groundswell is licensed under CC BY-SA 2.0

    Recruiting and Hiring Top-Quality Employees

    Follow these tips to ensure you’ll bring the best candidate into your workplace. Includes some pre-recruiting tips like deciding ahead of time if you will conduct any pre-employment testing or if a second interview will be required to see if the candidate would fit with the company culture. 

    What Interviewers Wish They Could Tell Every Job Candidate 

    A list of 9 tips interviewers wish they could tell all candidates. When interviewing candidates keep an eye out for the ones who check off these boxes.

    Job Interview Tips for Employers: How to Interview Potential Employees 

    Includes everything from resume screening tips, holding a recruiting planning meeting, lists of sample interview questions (as well as those illegal questions you want to avoid), and how to follow up after the interview. Very comprehensive. 

    We hope these articles help you hire the best employee for the job. Now go out there and get your conference room ready! 

    Do you have any interview stories you want to share? Let us know in the comments below.