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  • Life is unpredictable, and even the most carefully laid out plans can be disrupted by unexpected events. Whether it’s a marriage, a divorce, a birth, or a job loss, major life events can significantly impact your finances and insurance coverage. These events are known as qualifying life events (QLE). Understanding how they can affect your health, life, and other insurance policies is crucial for protecting your family and finances. In this blog, we’ll explore the ins and outs of QLEs and provide you with the knowledge you need to make informed decisions about your insurance coverage.

    What Are QLEs?

    A qualifying life event is an event that triggers a special enrollment period for individuals or families to purchase health insurance outside of the regular annual Affordable Care Act (ACA) open enrollment period. Qualifying life events typically include, but are not limited to, the following:

    • Having a child
    • Adopting a child
    • Becoming newly married or divorced 
    • Experiencing a death of the insurer in the family
    • Losing health insurance coverage due to a job loss
    • Losing eligibility for Medicare, Medicaid, or Children’s Health Insurance Program (CHIP)
    • Turning 26 years old and losing coverage from your parent’s health insurance plan 
    • Moving to a different county or zip code changes your health plan area

    How Does It Work? 

    To take advantage of a qualifying life event, you typically have a limited time frame to make changes to your health insurance plan. This period varies depending on the event and the insurance provider; however, it usually lasts around 60 days. To make changes, you must provide documentation of the QLE to your insurance provider. The documentation you must provide varies on the life event but could include the following:

    • Birth certificates 
    • Adoption records
    • Marriage license 
    • Divorce papers 
    • Death certificates 
    • Rental agreements/mortgages 
    • Termination documents 

    If you experience a qualifying life event, signing up right away is important. Check your plan materials, contact your employer, or call the phone number on your member ID card. In most instances, you’ll need to change your health insurance plan within a specific time frame of the QLE. Changes can most often be made within either 30 or 60 days of the qualifying life event. 

    Amie Hatlovic, GMS’ Manager of Benefits Account Managers, expressed, “Guidelines set forth by the ACA state that job-based group plans must provide at least 30 days for a special enrollment period (SEP). That 30-day starts with the exact date of the qualifying life event. A partnership with GMS provides your employees with access to GMS Connect. In GMS Connect, the employee self-service portal is equipped with a feature to add a life event that will launch a notification to the Benefits Account Specialist at GMS. Supporting documentation can be uploaded during this period. The assigned benefits team is always available for assistance.”

    If you miss the deadline, you’ll have to wait until the next open enrollment period, which could be as long as a year. It’s essential your employees understand how long they have to sign up for a qualifying life event so they can enroll in the benefits suited to their needs. 

    Don’t Face Life’s Challenges Alone – Let A PEO Be Your Partner

    In times of change and uncertainty, having a trusted partner by your side can make all the difference. When it comes to navigating the complexities of qualifying life events and their impact on your employee benefits, a professional employer organization (PEO) such as GMS can be the partner you’re looking for. We provide clear communication to employees about their options and deadlines for making changes to their health insurance. In addition, we help you evaluate the available health insurance plans and recommend options that are best suited to the employee’s needs and budget. Finally, we manage the ongoing administration of the health insurance plans, such as processing claims, managing enrollment, and answering employee questions. Don’t face these challenges alone. Contact us today so we can help you through life’s ups and downs.

  • In recent years, there has been a growing trend in the U.S. to provide paid sick leave for employees, with California being one of those states. While many states don’t require paid sick leave, California mandates it. Senate Bill 616 (SB 616) was introduced on February 15th, 2023, and would increase the number of paid sick leave days for California employees by amending Labor Code Section 246. Labor Code Section 246, also called the California Paid Sick Leave Law, requires employers to provide and allow employees to use at least 24 hours, or three days, of paid sick leave per year.

    Under the current law, employees must work for at least 30 days for the same employer in a 12-month period in order to qualify. The accrual begins on the employee’s hire date. Employers can limit the paid sick leave employees can use in one year to 24 hours or three days.

    Understanding SB 616

    If SB 616 passes, it would raise the employer’s authorized limit on paid sick leave to seven days or 56 hours. The current law in California allows an employer to limit an employee’s total accrual of paid sick leave to 48 hours or six days, provided that an employee’s rights to accrue and use paid sick leave are not otherwise limited. SB 616 would increase those accrual thresholds for paid sick leave to 112 hours or 14 days for unused sick time. In addition, SB 616 would increase the sick leave accrual rate for providers of in-home supportive services and waiver personal care services to 56 hours or seven days each year of employment. SB 616 applies to all employees who work in California for the same employer for at least 30 days within a year from the start of employment.

    You are not required to accrue or carry over paid leave if employees receive their full amount of leave at the beginning of each calendar year or 12-month period. In addition, you’re not required to compensate employees for their accrued, unused sick days upon termination, resignation, or retirement.

    If passed, SB 616 would go into effect beginning January 1st, 2024.

    Your Responsibility As A Business Owner

    As a new bill is waiting for approval, it’s essential as a business owner to take proactive steps to ensure you comply with the new law. If you’re a business owner in California, consider revising your current leave policies, if needed. The bill will require you to provide a written notice about the amount of paid sick leave available. At GMS, we understand this can be overwhelming and challenging to handle on your own. When you partner with us, we provide you with a hands-on approach and tackle these challenges together. Our HR experts will implement new HR policies in your handbook, write your written notice in reference to the updated paid sick leave bill, and so much more. Let us help you sleep peacefully at night and contact us today to get started!

  • President Biden’s budget for the fiscal year 2024 proposes establishing a national paid family and medical leave program. This would give workers up to 12 weeks off to tend to a newborn, recover, or care for a family member. In addition, it would include three days of bereavement leave. Biden released a $6.8 trillion budget plan for 2024 which contains a $325 billion commitment to a comprehensive, permanent paid family and medical leave program.

    Beyond the 12 weeks of family and medical leave, the budget also seeks to ensure that families can afford to care for their children, with $600 billion allocated toward making childcare more affordable and accessible. The Department of Labor reported that families spend at least eight percent of their income on childcare costs.

    What This Means

    Currently, the U.S. is one of the few developed countries that doesn’t have a national paid family leave program. While the Family and Medical Leave Act (FMLA) provides eligible workers with up to 12 weeks of unpaid leave for specific reasons, many workers can’t afford to take unpaid time off. Only 21% of workers in the U.S. have access to paid family leave through their employers.

    Biden’s proposal would change that by creating a federal paid family leave program that would be available to all employees, regardless of the size of their employer or how long they’ve been with the company. The proposal also includes measures to ensure that small businesses aren’t burdened by the program, making it easier for workers to access the benefits.

    There are many benefits of a paid family leave program. For employees, it means they can take time off to care for a new child or a sick family member without worrying about losing their job or their income. This can be especially important for low-wage workers who may not have savings to fall back on. For business owners, it can help attract and retain talent by offering a valuable benefit many workers prioritize when searching for a job.

    While all these benefits sound great, it also leads to concerns, including the potential costs for employers and the government. Some have argued that the payroll taxes necessary to fund the program would be too burdensome, especially for small businesses.

    What To Do As A Business Owner

    Despite the concerns, the benefits of a paid family leave program are clear and are an issue that has broad support among U.S. employees. While we wait to see if the program passes, it’s essential as a business owner to take proactive measures to ensure your employees receive the benefits they want and need. A professional employer organization (PEO) such as Group Management Services (GMS) can provide invaluable support to employers and employees regarding family leave policies. One of the main benefits of working with GMS is that we offer a comprehensive benefits package that can include paid family leave. In addition, we help you develop and implement family leave policies that comply with state and federal regulations. This ensures your business complies with the law and avoids potential legal issues. Contact our HR experts to learn how we can help your business.

  • We’ve discussed it before, and we’re here to discuss it again – telehealth. The COVID-19 pandemic transformed our lives in ways we never knew were possible. From working remotely to completely separating ourselves from everyone, it was undoubtedly a shock to our systems. While the pandemic negatively affected our everyday lives, it certainly had a handful of positives. While telehealth was a thing of the past, it became more prevalent during the COVID-19 pandemic when we were all stuck at home. Continue reading to learn its benefits for business owners and their employees.

    What Is Telehealth?

    Telehealth, often referred to as telemedicine, allows your health care provider to care for you without an in-person office visit. You can talk to your health care provider live without having to leave your house, send and receive messages, and use remote monitoring so your health care provider can check on you at home.

    There is a variety of specialized care you can receive through telehealth, including the following:

    • Lab test or x-ray results
    • Mental health treatment, including online therapy, counseling, and medication management
    • Recurring conditions such as migraines or urinary tract infections
    • Skin conditions
    • Prescription management
    • Urgent care issues such as colds, coughs, and stomach aches
    • Post-surgical follow-up
    • Treatment and follow-up appointments for attention deficit disorder (ADD) and attention deficit hyperactivity disorder (ADHD)
    • Physical therapy and occupational therapy
    • Remote monitoring services that help you track your health goals and manage chronic conditions, including diabetes, high blood pressure, and high cholesterol

    Telehealth continues to be one of the fastest-growing trends after the COVID-19 pandemic. In 2021, nearly four in 10 American adults (39%) have now utilized remote health care services, representing an exponential growth from 2019.

    Let’s Take A Deep Dive Into What This Means For Employers

    Employees are looking for benefits that reflect their culture and values. You can see this throughout the Great Resignation when 43% of employees quit their jobs and left for better benefits. The following are the benefits of providing your employees with access to telehealth which can promote equity and make for a more inclusive benefits environment:

    • Provider diversity options
    • Accessibility and convenience
    • Safety
    • Affordability – saves employees money
    • Offers speedy access to care
    • Supports mental well-being
    • Provides competitive advantage
    • Enhances productivity and performance

    A significant part of retaining a productive and diverse workforce is ensuring your employees feel appreciated and cared for. Providing this benefit to your employees allows them to communicate with health professionals without visiting a doctor’s office.

    Telehealth also means saving you time and money. Employers can reduce costs and cut down on missed work related to health issues. Ultimately, telemedicine helps employers in lowering the expense of their health care plans. A study by the Jefferson Health System dictated that each avoided emergency department visit accumulated cost savings ranging from $309 to more than $1,500. Telehealth visits cost, on average, $79 compared to $146 for a doctor’s visit and $1,734 for an emergency room visit.

    GMS Can Help

    Looking at the advantages telehealth provides your employees, and your business is a no-brainer. Telehealth is a benefit you should begin offering to your employees. Group Management Services (GMS) provides your employees with 24/7 access to a free doctor as part of our premier employee benefits administration service through Teladoc. The convenience of Telehealth saves you and your employees time by cutting out travel and sitting in waiting rooms. In addition, it limits the need to take time off work to fit an employee’s ailments into a doctor’s schedule and cuts out costly co-pays. At the end of the day, healthy employees are good for every business. Contact our HR experts about adding telehealth services to your business’s health plan. You’re just one click away from helping your employees stay healthy and productive.

  • Your employees spend the vast majority of their waking hours in the workplace. Whether they’re conducting work in the office or in a remote office, employees are managing workloads, engaging with customers and other employees, and are tasked with the daily pressures of performing their job duties. This ultimately leads to poor mental health at work.

    To improve the well-being of your workforce, have you considered enhancing your employees’ benefits package? You’re most likely familiar with benefits such as health insurance, retirement plan options, vision and dental insurance, pet insurance, and more; however, perhaps an employee assistance program (EAP) could be the perfect fit for your business.

    Continue reading to better understand what an EAP is and its benefits for your business.

    What Is An EAP?

    An EAP is a voluntary, work-based program offering free and confidential assessments, short-term counseling, referrals, and follow-up services to employees with personal and work-related problems. They typically offer employees free counseling benefits, which are usually alongside a company’s health insurance plan, so they have a stable and reliable outlet for managing workplace stress and anxiety.

    How Does An EAP Work?

    An EAP aims to connect employees with counselors and other support resources when they’re struggling, whether in their personal life or with work. Typically, the resources provided through an EAP are free, with a 24/7 line your employees can call. Calls are completely confidential and administered through a third-party provider. This allows your employees to feel comfortable expressing their problems to someone whom they can trust and rely on for support.

    The following are common areas that an EAP can help your employees with: 

    • Nutrition 
    • Anxiety
    • Depression
    • Grief during the loss of a loved one
    • Legal issues
    • Relationship issues
    • Basic medical advice
    • Finances
    • Substance abuse

    An EAP is designed to assist your employees in the interim; it’s not a long-term solution. When your employees talk to an EAP professional, they help them identify the root of the problem and then provide an action plan. If additional measures should be taken, that will be determined as well.

    Benefits Of Having An EAP Within Your Business

    Life’s challenges can negatively impact your employees’ productivity and performance when they cannot cope with them. When you provide them with an EAP, they gain access to resources to help them cope with their situations and speak to someone during challenging times. Ultimately, it can even benefit you, the employer, as it can reduce the negative impact on your company’s bottom line and overall morale. Alongside that, the following are the benefits of offering an EAP at your business:

    • Improved productivity 
    • Stress management
    • Decreased absenteeism 
    • Reduced accidents and fewer workers’ compensation claims 
    • Greater employee retention
    • Affordable resources
    • Employee-focused culture 

    How Do I Create A Successful EAP?

    The most critical step in creating a successful EAP is asking your employees what services would be beneficial to them. Consider following the below steps when creating your own EAP within your business:

    1. Gather employee feedback – Ask your employees where they’re struggling and what They believe may remedy the situation.
    2. Explore provider offerings – There are many EAP providers, each having its own plans and services. Be sure you do your research and weigh out all the options to determine which one would be the right fit for you and your employees.
    3. Compare the numbers – Every plan has its own limitations on the number of covered employees, the number of services offered, and how often your employees can access the service.
    4. Integrate it within your existing benefits plan – Once you find the right plan, it’s time to work with your EAP provider to integrate the services into your existing benefits package.

    Partner With GMS

    When you partner with a professional employer organization (PEO) like Group Management Services (GMS), you gain a partner that will help you implement this within your business every step of the way. In addition, GMS has contracted with Espyr to provide employees and their family members with a comprehensive EAP. Our EAP provides your employees with the following services:

    • Legal and financial consultation 
    • Child care information 
    • Elder care services 
    • Adoption specialists 
    • Academic resources
    • Pet care services
    • Special needs services 

    Contact us today to learn more. 

  • When employees are set up for success, companies enjoy the benefits. Happy, motivated employees are likely to be more productive and satisfied with their jobs, reducing turnover. While there are many options you, as an employer, can provide to create a great place to work, there are factors outside of the workplace that have a direct impact on the overall well-being of your employees.

    An employee assistance program (EAP) is one tool employers can use to help stressed-out employees and improve morale and work performance. Let’s break down what an EAP does, how it benefits both employers and employees, and how your company can get the most out of its program.

    What Is An Employee Assistance Program?

    The Society for Human Resource Management (SHRM) defines an EAP as “a work-based intervention program designed to assist employees in resolving personal problems that may be adversely affecting the employee’s performance.” These intervention programs are designed to give employees support for private matters until they can find a more permanent solution.

    Employee assistance programs are a great way for businesses to improve their overall employee productivity and health. The programs provide employees with access to confidential counseling and support, as well as referral services for mental health care, substance abuse treatment, and other services. An ideal EAP should meet the criteria listed below:

    • Confidential – Given the personal nature of employee issues, EAPs should allow employees to seek support privately and anonymously.
    • Accessible – Services provided by an EAP should be accessible online and easy for employees to contact during and outside of work hours.
    • Available – Services should be readily available to all employees and immediate family members who are eligible for the program.
    • Short-term – EAPs aren’t meant to be permanent sources of aid. The services an EAP provides are designed to give employees access to key services and short-term help until they can find a good, long-term solution.

    The exact form of support can differ greatly from program to program; however the goal is the same – to give employees the support they need to address factors that impact their mental and emotional health.

    Examples Of Employee Assistance Programs

    The average EAP provides a wide range of services aimed at providing critical support for your workforce, but the exact offering can vary from program to program. It’s most common for EAPs to address a number of personal issues, including the following concerns:

    • Relationship challenges
    • Grief over the loss of a loved one
    • Financial or legal problems
    • Stress management
    • Mental health issues, including anxiety, depression, and PTSD
    • Substance abuse
    • Workplace or domestic violence
    • Crisis management

    EAPs offer confidential, professional counseling and support to employees, free of charge. Some can even be accessed via phone, text, or email 24 hours a day, 365 days a year.

    While EAPs were traditionally developed to support personal issues, modern programs have expanded to include further services. Employers have found that several additional stressors impact work-life balance and an employee’s future plans. As the workplace evolves, modern EAPs have also included the following forms of support:

    • Childcare
    • Eldercare
    • Adoption specialists 
    • Retirement planning
    • Living wills
    • Pet care
    • Academic and tutor resources
    • Personal and professional development

    Benefits Of Employee Assistance Programs

    More stress means more problems for both employees and employers. According to Gallup’s 2022 State of the Global Workforce Report, a whopping 57% of U.S. employees reported feeling stress on a daily basis. By alleviating that stress, EAPs can help businesses enjoy the following benefits:

    • Reduced absenteeism 
    • Increased productivity 
    • Better morale
    • Improved retention
    • Stronger applicant pools

    Reduced absenteeism

    Outside stressors can often lead to employees taking additional sick days or simply calling off to attend to personal issues. EAPs give employees the means to alleviate those stresses. A study by Federal Occupational Health (FOH) found that companies that offer EAPs saw a 69.2% decrease in absenteeism by giving employees access to various means of personal support.

    Increased productivity

    Just because employees are physically at work doesn’t mean that they’re productive. Behavioral health concerns such as stress, anxiety, or depression directly impact how engaged employees are at work. That same FOH study found that employees with access to assistance programs were 22.8% less checked out while on the job and more invested in their work.

    When an employee has an issue that’s causing them to miss work or perform poorly, it can trickle down to affect the entire department’s productivity. Having a program in place that helps individuals deal with these issues before they become a problem is a great way to be proactive.

    Better morale

    Another benefit the FOH found was that EAPs could improve employees’ sense of overall well-being. Studies found that EAPs increased users’ life satisfaction by 24.2% by addressing stressors that caused personal distress. In turn, employee morale is substantially better when employees take advantage of EAP services.

    Improved retention

    Simply put, stress makes good employees leave. EAPs show employees that your business cares about their well-being, making them less likely to suffer burnout or look for a fresh start somewhere else. In addition, EAPs can help prevent employees from being fired by helping them manage personal issues before they negatively impact their work performance.

    Stronger applicant pools

    Assistance programs can also encourage solid talent to join your business. According to SHRM, 76% of employees “Consider mental health benefits to be a critical factor when evaluating new jobs.” An EAP is a clear sign that your business takes employee mental health seriously.

    How To Get An Employee Assistance Program Started

    Getting started can be overwhelming. Here are some tips on how to launch an EAP plan:

    1. Decide what kind of EAP you want. Do you want one that caters specifically to your company’s needs, or do you want a one-size-fits-all program?
    2. Decide on a budget. Your budget will be an important consideration when choosing an EAP. You can calculate how much it will cost per employee by year or month to get a baseline—it might be less than you expect!
    3. Research different EAP providers—they should all have websites where you can read about their services and compare pricing and the benefits offered. Analyze the information from each provider and choose one that best fits the overall needs of your company.

    Another option is to contact your company’s insurance provider and see if they offer an EAP service. For a truly turn-key experience, you can hire a third-party agency to broker an EAP program for your business. It’s important to keep in mind that the size of your business may ultimately determine how many options are available to you.

    Once you have done the heavy lifting of choosing a program and getting an EAP in place for your business, it’s critical to focus on employee communication. It’s important that everyone in your organization, from HR to management, understands their role in the program and how to assist if an employee needs assistance from the program. In addition, it’s crucial that the EAP rollout is well communicated throughout your organization so that each employee understands the value of the program, what is being offered to them, and how to take advantage of this benefit.

    How To Maximize The Value Of Your Employee Assistance Program

    Offering an EAP is one step. Getting employees to use it is another. National studies find that EAP utilization averages just under 10%, but not because the programs are ineffective. SHRM reports a couple of key reasons for the low usage rate:

    • Privacy concerns – Employees either feel uncomfortable sharing personal issues or are afraid that employers will gain access to their personal health information.
    • Lack of promotion – Companies either don’t promote these programs efficiently, or employees aren’t aware of how to access services.

    Even with low participation numbers, employers who offered an EAP typically enjoyed a return on investment of at least $3 for every $1 spent, according to the 2020 Workplace Outcome Suite. Still, there are ways that businesses can encourage better EAP participation and receive even more value from their programs.

    Regularly promote EAP awareness 

    It’s not uncommon for employees to only hear about their EAP once during the onboarding process or when the program launches. It’s best to give employees regular reminders about their EAP and how to access these services. These reminders can come in multiple forms – during annual meetings, email updates, etc. Regardless of how you send the message, multiple reminders will only increase the odds that employees will utilize these services.

    Stress your commitment to privacy 

    It’s not always easy for individuals to admit they need help. That said, it’s essential to communicate that employees can privately access services online or on the phone around the clock.

    In addition, employees should understand that their interactions with these services are completely private and are not shared with the employer or others within the company. By stressing the private nature of an EAP, employees are more likely to explore these services on their own terms.

    Work with HR advocates

    It’s not always easy to manage the various aspects of benefits administration by yourself. Fortunately, you don’t have to promote and manage your EAP alone. The right EAP provider can help you maximize the effectiveness of your program.

    GMS partners with businesses to offer critical assistance and educate employees about how to best utilize these services. We help employers deliver a quality benefits package without having to spend the time to administer these benefits by themselves, including group health insurance, assistance programs, and more.

    Ready to enhance your employee benefits package? Contact us now about how GMS can help you save time and money through expert benefits administration.

  • With the state in which the economy is, employees and employers are struggling significantly. Whether it’s keeping up with the rise in prices for necessities or the labor shortage business owners are facing, these are challenging times. Employees need the support of their manager now more than ever to overcome these obstacles we’re all facing.

    As a business owner, the head of a company, or a manager with an organization, take a minute to think about whether you bring a positive impact on your employees’ mental health. Do you check in with your team regularly? You don’t have to discuss every detail of life outside of work. However, it’s essential that you let your employees know that you’re there for them if they need someone to talk to. Effective managers check in with their direct reports’ emotional state, are nurturing and ready to help, keep track of their direct reports’ goals, and offer constructive feedback.

    The Workforce Institute at UKG surveyed 3,400 individuals across 10 countries to spotlight the critical role our jobs, leadership, and managers play in supporting mental health in and outside work. Let’s see what they discovered.

    Survey Results

    Managers impact their employees’ mental health 69% more than doctors (51%) or therapists (41%) and even the same as a spouse or a partner (69%). More than 80% of employees would rather have good mental health than a high-paying job, and two-thirds would take a pay cut for a job that provides better support for mental wellness. In addition, work stress negatively impacted 71% of employees’ home life, 64% of their well-being, and 62% of their relationships. Finally, one in three employees said their managers fail to recognize their impact on their team’s mental well-being.

    Help Your Employees

    In an effort to avoid violating the Americans with Disabilities Act, non-discrimination laws, and confidentiality laws, leaders were previously taught to avoid discussing mental health with employees. However, in recent years, that’s no longer the case. Leaders are encouraged to check in with employees who appear distracted, tired, or stressed. To model work/life balance for your team, managers should share their challenges and stress-coping strategies. Managers who openly discuss stress convey the message that they can discuss their problems without feeling stigmatized. 83% of U.S. employees suffer from work-related stress, which causes around one million workers to miss work every day. Workplace stress typically makes up a substantial amount of the general mental health crisis. This could then lead to significant drops in productivity and burned-out employees.

    Consider Partnering With GMS

    Have you considered outsourcing your HR functions to a professional employer organization (PEO) like Group Management Services (GMS)? We take on the administrative burdens you don’t have the time or expertise to manage effectively. If you have employees that are struggling with their mental health, how can you help them? An easy step to help your employees is to enhance your benefits package. We work with you to create a unique benefits package that your employees want and need. Whether it’s adding mental health benefits or simply providing you access to telemedicine, we’ve got you covered. Telemedicine gives your employees free access to physicians around the clock, allowing them to connect via phone, video, or over the internet 24/7. It’s just one of the many benefits of our group health coverage. Interested in learning more about how you can help your employees? Contact us to learn more.

  • During a press conference on February 2nd, 2023, President Joe Biden announced he signed a memorandum laying out a national program of paid family and medical leave for employees. The conference also marked the 30th anniversary of the Family and Medical Leave Act (FMLA). The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to the following:

    • 12 workweeks of leave within 12 months for:
      • The birth of a child and care for the newborn child within one year of birth
      • The placement with the employee of a child for adoption or foster care and to care for the newly placed child within one year of placement
      • To care for the employee’s spouse, child, or parent who has a serious health condition 
      • A serious health condition that makes the employee unable to perform the essential functions of his or her job
      • Any qualifying exigency arising out of the fact that the employee’s spouse, son, daughter, or parent is a covered military member on “covered active duty”
    • 26 workweeks of leave during a single 12-month period to care for a covered servicemember with a serious injury or illness if the eligible employee is the servicemember’s spouse, son, daughter, parent, or next of kin (military caregiver leave)

    Improvements That Will Be Made

    As millions of workers across the country still face impossible choices between keeping a paycheck and caring for their families or themselves, the Biden-Harris Administration has taken proactive steps to assist these workers. Alongside this announcement at the press conference, they will continue to take action on national paid family and medical leave, affordable childcare, and home and community-based care so that all Americans can care for and financially support their families.

    President Biden’s memorandum will support Federal employees’ access to leave. It specifically calls on the head of Federal agencies to better support the access to leave without pay for Federal employees. In addition, it will also build on additional Administration efforts, improving access to and awareness of family and medical leave, which include the following:

    • Ensuring military personnel have access to 12 weeks of paid parental leave
    • Support paid leave efforts in states
    • Assisting employees that are impacted by cancer to understand their rights under the FMLA

    Alongside these efforts, the actions will also build on actions taken to support the economic security for women and families, which include: 

    • Protecting the health and economic security of pregnant workers
    • Extending protections for nursing employees
    • Increasing investments in early childhood education and childcare
    • Supporting women’s rights to be safe in the workplace and free from sexual harassment and assault

    Additional Steps That Should Be Taken

    While there’s still much work to do to help employees during times of need, it’s essential as a business owner to take additional steps to ensure your employees get the help they need. While laws constantly change, perhaps you focus on enhancing your benefits program offerings. Do you currently offer benefits to your employees? Are there any other benefits you could offer your employees? Do you currently provide maternity leave? The main question you should ask yourself during these unprecedented times is, how can I stand out from my competition? In a tight labor market, you must find ways to stand out from the competition, and the number one way to do that is through your benefits program. Companies that offer great compensation and benefits to employees experience 56% lower attrition.

    So, where do you begin? Partner with a professional employer organization (PEO) like GMS to help you stand out from businesses similar to yours. While we offer HR, risk management, and payroll services, we also help you choose a competitive benefits program that your employees want and need. As HR professionals, we take on the administrative burdens that companies don’t have the time or expertise to manage effectively. Contact us today to get started.

  • We all know that the COVID-19 pandemic affected individuals and families worldwide. Most recently, inflation has flooded into the daily lives of Americans, causing the price of necessities to skyrocket. It remains clear that the highest inflation we’ve seen in decades has affected individuals in ways you may not have considered. Inflation is defined as the rate at which the cost of a good or service increases. The cost of food, housing, gasoline, utilities, and other goods have skyrocketed by 7.7% over the past 12 months – nearly a 40-year-high. While inflation is hitting just about everyone, low-income households are experiencing it a little harsher than others as employee wage increases fail to keep up with inflation. This has forced families to shift their budgets to cover the necessities needed to survive these challenging times.

    Cutting Back On Retirement Savings

    Many Americans have had to reevaluate their retirement saving habits because of inflation. A survey showed that half of U.S. adults saving for retirement had to pause their saving efforts in 2022 because of inflation. On top of that, 32% withdrew from their retirement savings, and 41% indicated they stopped contributing to their retirement funds. While inflation may seem like it’s winding down ever so slightly, inflation is not going away anytime soon. Kelly LaVigne, VP of Consumer Insights, Allianz Life, expressed, “While we all hope that the pace of inflation will slow, it will take time to moderate. Consumers need to prepare themselves by talking to a financial professional and incorporating ways to help fight the effects of inflation into their portfolio so that long-term inflation doesn’t affect retirement.”

    Tom Smith, Director of Retirement Services at GMS, stated, “With inflation increasing and the cost of living rising, it’s essential you are saving in your 401(k), especially if your company offers an employer match. You’re leaving free money on the table if you stop contributing altogether. If you’ve exhausted all options for cutting back on spending and are still looking to dial back your deferral amount, try and take full advantage of the employer match. This means if you’re contributing eight percent right now, but the match requires you to contribute at least five percent, don’t decrease your contribution to less than five percent. If you want to retire at some point, you need to have a variety of sources to draw income. It’s important to pay yourself first, and a 401(k) is a great option to do that with convenient payroll deductions and tax advantages.”

    How You Can Step In As An Employer

    As we all remain concerned about the economy and how it could affect you, it’s essential as a business owner to ensure you take every step to help your employees. For starters, if you don’t already offer a retirement plan for your employees, consider doing so. From there, consider matching your employee’s contributions. Employee matching is the best way to maximize your retirement savings while also receiving benefits for your business. If you’re unsure where to start, contact Group Management Services (GMS). GMS is a professional employer organization (PEO) that helps small businesses by taking on the administrative burdens you don’t have the time or expertise to handle. We help in all areas of your business, whether it be risk management, HR, benefits, or payroll, we do it all. We can help you set up a fully customizable retirement savings plan that makes your company more attractive to quality employees. When you partner with GMS, you can easily establish the following:

    • 401(k) eligibility requirements 
    • Vesting schedules
    • Tax-deductible matching
    • Profit-sharing 

    Contact us today so, you can begin helping your employees during these challenging times.

  • As the state of Michigan anxiously awaited the decision on minimum wage, the Michigan One Fair Wage v. Attorney General case results are in. On January 26th, 2023, the Michigan Paid Leave Medical Leave Act (PMLA) and Michigan Improved Workforce Opportunity Wage Act implemented in 2019 will remain in place. They found that the Michigan Legislature needed more constitutional authority to adopt and subsequently amend two 2018 ballot initiatives. If this had passed, the minimum wage would have increased to $12 per hour in 2023 and increase tipped wages to the full minimum wage. In addition, it would have enacted one of the country’s most extensive paid sick leave laws. These would have significantly impacted business owners, forcing them to make drastic changes to their paid time off policies (PTO) and procedures.

    What This Means For Business Owners In Michigan

    The good news is that because the lower court’s decision was reversed and given immediate effect, businesses are no longer forced to make significant changes to their PTO policies and wage schedules beginning February 19th, 2023. The minimum wage will stay the same at $10.10 an hour. However, there will most likely be an appeal, so employers will want to keep an eye out for any further developments relating to this case.

    How GMS Can Help

    Everchanging rules and regulations are constant battles business owners have to juggle. However, when you partner with a professional employer organization (PEO) like GMS, you no longer have to carry the weight on your shoulders. We take on all the administrative burdens you don’t have the time or expertise to manage. GMS experts keep you up to speed with new laws and regulations you should be aware of for your business. Save yourself time and contact us today.