Yearly Archives: 2013


Social Media in the Workplace

Social Media, the means by which individuals may post personal messages, photos and videos to the web, has exploded as a means of electronic communication.  Whereas this efficient, ever-present medium has magnified the concept of in the moment connectivity and communication, its impact on workplace policies as well as how organizations conduct business correspondence and advertising has becoming encompassing.  The challenges that businesses experience with social media usage involve maintaining policies on what employees share […]


Will the Affordable Care Act raise or lower workers’ compensation rates?

While doing research for the Affordable Care Act (ACA) I stumbled upon an article about workers’ compensation.  As a Risk Manager my first love is naturally workers’ compensation so I eagerly dived into the Rand Corporation’s study entitled, The Impact of Health Care Reform on Workers’ Compensation Medical Care.  In my experience, conventional wisdom among my peers in Risk Management is that employees with health insurance have lower workers’ compensation claim losses.  I share this […]


Health Insurance Exchange Notices – Who is enforcing their distribution?

By October 1st, 2013 health exchange notices are required by law to have been distributed to all employees.  These notices to employees either explain the health insurance the employer provides or, if the employer does not offer coverage, refers employees to their state’s health insurance exchange to purchase insurance. Examples of employee notices are available – If you are a Cardinal client we will be assisting with this requirement. Getting a notice out to a large […]


Part-Time Employees; Fewer Hours but Equal Rights

With the upcoming Affordable Care Act (ACA) implementation some employers have been opting to drop a percentage of their employees to part-time status to avoid paying hefty health insurance fees for not offering coverage as they would for full time employees. Employers should be careful not to become under the impression that part-time employees can be terminated or treated differently than full time employees. The Department of Labor does not have a distinction between the […]


Labor Trends – Affordable Care Act

Working at Cardinal has afforded me the opportunity to interact with business owners all over Oregon. In the last few months I have noticed some trends related to the upcoming employer mandate requirements under the Patient Protection and Affordable Care Act. To provide some background the employer mandate is a $2000 penalty per full time employee per year (note the first 30 are tax exempt) which only affects large businesses, those with 50 or more […]


Cover Oregon – Health Insurance Exchange Update

Last week the Oregon Insurance Division released a sample of proposed health insurance rates for the upcoming health insurance exchange.  These are suggested rates only and it is not clear if or how much they may change.  When reviewing the web page from the first link below note that in all three coverage levels each carrier is offering the same amount of coverage.  Next take a look at the pricing for each of the three […]


Is it Vacation or Paid Time Off?

Traditionally, employers offered separate paid time off benefits to employees, such as paid vacation, sick leave and personal days.  However, in the past decade, many companies have moved to a more flexible Paid Time Off or “PTO” benefit that incorporates all policies into one all-inclusive PTO plan.   The debate as to whether employers benefit from offering PTO  verses separate vacation, sick and personal leave plans is constantly being researched.  In an effort to assist […]


Cover Oregon

Oregon’s Health Insurance Exchange  Once small business owners realize that the Affordable Care Act (ACA) tax/penalty does not apply to companies with fewer than 50 employees their next questions are usually focused on the individual mandate and the cost of health care coverage. It goes without saying that cost is foremost on the minds of most employers, especially for those companies where coverage is not offered and that outlay is not currently built into their […]


Helping Employees find the Greener Pasture: Your Side of the Fence

In the past few years, many companies have had to tighten their budgets in lieu of further downsizing their employee headcount as a result of the economic recession that fell onto the US during the last quarter of 2007. Consequently, organizational strategy focused on lean workforces with employees often juggling multiple roles without seeing an increase in pay or promotion in job title. Due to the fact that most companies were not hiring during those […]


Gossip in the Workplace

What is gossip? There are two reasons for sharing social information. One is that the exchange of useful information helps us survive and prosper. In early years, it would have increased your chance of survival if you had an ability to learn useful information such as where the rains are falling, where the food is abundant and where the predators are. The second is to establish alliances within our group; to determine the people we […]