Your Key Issues in 2018

[fa icon='calendar'] Dec 5, 2017 11:25:10 AM / by Natalie Delmage posted in Advisor, Compliance, Communication, health plan cost containment, client questions

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Our survey results are in!

We asked you to rank the issues most important to you in the coming year. Here is what the results show: cost and compliance are among your top concerns for  2018...


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It’s Time to Start Having Difficult Conversations

[fa icon='calendar'] Nov 7, 2017 11:47:11 AM / by Natalie Delmage posted in Risk Management, Retirement Planning, Communication, good healthcare consumer, who pays for the nursing home, filial responsibility for LTC costs, Long Term Care Insurance, financial wellbeing, elder care law

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Let's talk today about a law that you might not know about but which could have big financial ramifications as our population continues to age.


Filial responsibility laws can hold children responsible for the cost of their parents' wellbeing including nursing or rehabilitative care. These laws are on the books in more than half of the US including Connecticut, Massachusetts and Rhode Island. 


Most people don't realize the laws exist because the states haven't been enforcing them… until now.

  who will pay for mom and dad's elder care? states increasingly exercising filial rights


As Medicaid funding is squeezed tighter and more cuts are made, filial responsibility laws could have devastating impacts on individuals and their financial future. Experts believe that the states will be increasing their enforcement of these laws, and in fact some States already have begun to do that.


Do you have a plan in place to cover mom or dad's nursing care?


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You Ask, We Answer: Medicare

[fa icon='calendar'] Oct 17, 2017 2:24:43 PM / by Natalie Delmage posted in Medicare, older employees, health plan cost containment, employee education, you ask we answer, client questions

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Q. We have 65+ year old employees on our health plan and are trying to contain costs. Can move them to Medicare? What are the rules around that? Can we pay for their Medicare costs like supplement and Part D?  


medicare transition. older employees. cost containment. age discrimination

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Compliance Alert: Rhode Island Sick and Safe Leave

[fa icon='calendar'] Oct 3, 2017 11:47:44 AM / by Joanne Audette, Esq. posted in Employment Law, Compliance, Sick leave, new law, Rhode Island Employers, Safe leave

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Governor Gina Raimondo has signed a new bill into law that affects sick and safe leave requirements for Rhode Island Employers.


We expect many of you will have questions about how the law affects you specifically. Please read the following rundown of the requirements and let us know how we can help you further as you begin to prepare.


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Best Pratices to Consider About Retaliation

[fa icon='calendar'] Sep 26, 2017 2:42:02 PM / by Natalie Delmage posted in Compliance, retaliation, anti-retaliation, protect your business

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The definition of retaliation in the context of employment law is broad and the trend is toward broadening it further. In August of 2016 the Equal Employment Opportunity Commission (EEOC) expanded the definitions of protected activity, adverse action and causal connection.


You might think that retaliation is “I complained. I was fired” but the broader definition includes any conduct that discourages an individual from coming forward.


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Meet Your Account Manager: Terry Merritt

[fa icon='calendar'] Aug 29, 2017 9:37:44 AM / by Natalie Delmage

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As Vice President of Group Benefits, Terry Merritt oversees our account management team. She has been with WD & Associates since its inception and works closely with both our brokers and our clients. She prides herself on our client retention rates.


Terry has heard it all and learned a few things along the way. Today she’s sharing a bit of her story:

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