Author Archive for Kim Pewor

Credit Approved HR Breakfast Panel Discussion

We are excited to be presenting the Credit Approved HR Breakfast Panel Discussion on Wednesday, November 15, 2017 at 8:30 am.  We will be focusing on the alphabet soup of coordinating leave and benefits under the NJTDB, FMLA, NJFLA and NJFLI.  I hope you can join us.  Please include any questions you would like us to address related to our topics when you register, your interest is important to us!

Click HERE to view details and register.

Medicare Part D: Reminder to Distribute Creditable Coverage Notice

Employers who sponsor a group health plan with prescription drug benefits are required to notify their Medicare-eligible participants and beneficiaries as to whether the drug coverage provided under the plan is “creditable” or “non-creditable.” This notification must be provided prior to October 15th each year.

See attached Medicare Part D


Sick Pay Laws to Date

States are free to draft sick pay laws that uniquely and diversely affect employers. Current sick pay laws may have common characteristics, but varied application. To date, there are six States and twenty municipalities with sick pay laws. In addition, the President signed Executive Order 13706, which requires entities contracting with the Federal government to provide employees with up to seven days of paid sick leave annually. The result is a hodgepodge of regulation that creates burdensome administration and increased expense for employers. New York City as well as 10 municipalities in New Jersey mandate sick pay.  Click below to find out more.

Sick Pay Laws to Date

Medicare Secondary Payer Chart: Who Pays First

Medicare Secondary Payer (MSP) provisions ensure that Medicare does not pay for items and services when other health insurance coverage (such as employer-sponsored coverage) is primarily responsible for paying. When there is more than one payer, “coordination of benefits” rules determine who pays first. The term “MSP” is used when Medicare is not
responsible for paying first.

Whether Medicare pays first depends on a number of factors. The chart  identifies which entity pays first in common situations where a beneficiary has both Medicare and other coverage.

Medicare_Secondary_Payer_Chart 2016

Saratoga Benefits Received MBA Spotlight Award

Saratoga Benefits is the proud recipient of the Moorestown Business Association (MBA) Spotlight Award.  The MBA recognized Saratoga Benefits for our ongoing commitment to the community.  We are proud to be a good corporate citizen and supportive of the community where we work and live.  Our philosophy has always been that good things come to good people.  We believe strongly that our ongoing support of local nonprofits and community activities is the foundation to our 18 years of business and personal success.

MBA Spotlight Award Saratoga Benefits 3-16-16


Read more here