Blog

Jun 24, 2020
2 min

How companies are implementing coping strategies and stress-reduction techniques?

#FinancialWellness #EmployeeBenefit #Employer #MoneyManagement How companies are implementing coping strategies and stress-reduction techniques. 公司如何實施應對策略和減輕壓力 The Covid-19 pandemic is changing how the companies' regarding Research shows that companies are beginning to place an emphasis on employee emotional and mental health wellness during the COVID-19 pandemic. The National Alliance of Healthcare Purchaser Coalitions conducted an online survey of 256 companies across the

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IRS Covid-19 - Flexible Spending Accounts

epiainsurance

Jun 18, 2020
3 min

IRS Covid-19 - Flexible Spending Accounts

#FinancialWellness #EmployeeBenefit #Employer #MoneyManagement IRS Covid-19 - Flexible Spending Accounts IRS 新型冠狀病毒 - FSA醫療帳戶 The Internal Revenue Service has come up with a partial fix to the mess of so-called “flexible” spending arrangements that let workers stash pre-tax money into special accounts for healthcare and child care. But the IRS rules are anything but flexible. Typically you choose how much money to put into these accounts from your paycheck in the fall, predic

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COVID-19: Health Insurance & Employee Well-being

epiainsurance

Jun 11, 2020
3 min

COVID-19: Health Insurance & Employee Well-being

#FinancialWellness #EmployeeBenefit #Employer #MoneyManagement COVID-19: Health Insurance & Employee Well-being 新型冠狀病毒：健康保險與員工福利 Covered California released the first national projection of how the COVID-19 pandemic will affect employer health insurance. The report predicts that employer premiums will rise in 2021 by 40 percent or more, absent federal action, which is certain to alarm many employers. But Jim Purcell, the former CEO of Blue Cross & Blue Shield of Rhode Island

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Financial Wellness: the new must-have employee benefit

epiainsurance

Jun 4, 2020
2 min

Financial Wellness: the new must-have employee benefit

#FinancialWellness #EmployeeBenefit #Employer #MoneyManagement Financial Wellness: the new must-have employee benefit 健康財務計畫：所有員工都必須擁有的福利 Due to this pandemic, the economic downturn, and the Arecession, the number one priority for employee benefits must be ensuring a good financial wellness program.由於目前的新型冠狀病毒疫情，經濟下滑和衰退，員工福利的首要目標是確保良好的健康財務計劃。 Antidote for financial stress 財務壓力的解藥 A 2019 PwC study found that 59% of employees are more stressed out about their financial situatio

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Does Life Insurance Cover Deaths From Coronavirus?

epiainsurance

May 27, 2020
2 min

Does Life Insurance Cover Deaths From Coronavirus?

#COVID19 #LifePolicy #Pandemic #Coverage #DeathBenefit Does Life Insurance Cover Deaths From Coronavirus? 人壽保險是否理賠因新型冠狀病毒而導致的死亡？ Thousands of people worldwide have already died from COVID-19, the disease caused by the novel coronavirus. For those who have life insurance, in almost all cases, they are covered, and insurance will likely pay out for deaths from COVID-19. There are a few exceptions, according to representatives from life insurance companies and industry organizat

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How To Buy Life Insurance During The COVID-19 Pandemic

epiainsurance

May 21, 2020
2 min

How To Buy Life Insurance During The COVID-19 Pandemic

#COVID19 #LifePolicy #Pandemic #Coverage #DeathBenefit How To Buy Life Insurance During The COVID-19 Pandemic 如何在新型冠狀病毒疫情間購買人壽保險 If you’re shopping for life insurance, you might encounter some new processes and temporary roadblocks due to COVID-19. If you’re new to buying life insurance, you may not realize that those who shopped a few months ago may have had a different experience.如果您要購買人壽保險，因在新型冠狀病毒疫情間，您可能會遇到一些新流程和臨時性限制。如果您是第一次購買人壽保險，則可能不會意識到在疫情前的購買流程及法規上的不同處。 You May Not N

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How life insurance companies treat pandemics

epiainsurance

May 13, 2020
2 min

How life insurance companies treat pandemics

#COVID19 #LifePolicy #Pandemic #Coverage #DeathBenefit How life insurance companies treat pandemics 人壽保險公司如何應對大型流行病? Life insurance offers financial protection for your loved ones in the event that you die unexpectedly. When a pandemic becomes world news, you may start to consider the necessity of purchasing a policy or wonder how news of an outbreak might shape the policy you already have. "人壽保險可在您意外死亡時，為您的親人提供必要的未來財務保護。當大型流行病開始蔓延全球時，您可能會開始考慮購買人壽保單的必要性，或者想知道疫情爆將會如何影響您已經擁有的人壽

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epiainsurance

May 8, 2020
2 min

Life Insurance - How COVID-19 affects ?

#COVID19 #LifePolicy #Pandemic #Coverage #DeathBenefit Life Insurance - How COVID-19 affects ? 新型冠狀病毒如何影響人壽保險? If you have an active life insurance policy and you were to die of a pandemic illness such as COVID-19, your family would receive the death benefit — even if you had traveled to an area with a known outbreak of the coronavirus.如果您已擁有一份有效的人壽保險單，而不幸因像新型冠狀病毒這樣的流行性疾病而死亡，即使您至已知的新型冠狀病毒爆發地區旅行，您的家人也將獲得死亡利益。 Here’s the good news 好消息: If you don’t have life insurance coverage

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epiainsurance

Apr 30, 2020
2 min

COVID19 Paid Sick Leave FAQ Part 3

#COVID19 #ReportingTimePay #Employer #Employee #TravelExposure Coronavirus Disease (COVID-19) – FAQs on laws enforced by the California Labor Commissioner’s Office 新型冠狀病毒: 加洲勞工部法律問與答 If a state of emergency is declared, does reporting time apply? 如果州政府已宣布進入緊急狀態，打卡式工資計算法是否適用？ Reporting time pay does not apply when operations cannot commence or continue when recommended by civil authorities. This means that reporting time pay does apply under a state of emergency, unless the st

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epiainsurance

Apr 23, 2020
2 min

COVID19 Paid Sick Leave FAQ Part 2

#COVID19 #PaidSickLeave #Employer #Employee #Treatment Coronavirus Disease (COVID-19) – FAQs on laws enforced by the California Labor Commissioner’s Office 新型冠狀病毒: 加洲勞工部法律問與答 Can an employer require a worker who is quarantined to exhaust paid sick leave? 雇主可以要求被隔離的員工使用所有帶薪病假嗎？ The employer cannot require that the worker use paid sick leave; that is the worker’s choice. If the worker decides to use paid sick leave, the employer can require they take a minimum of two hours of p

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epiainsurance

Apr 9, 2020
2 min

Business Interruption Insurance

#COVID19 #BusinessInsurance #Employer #Commercial #Interruption Business Interruption Insurance is optional coverage that may be purchased as part of a comprehensive multi-peril commercial policy. Business interruption insurance coverage typically lists or describes the types of perils or causes of loss it covers. Perils or causes of loss that are not listed on, or not described in, the policy are typically not covered. Business interruption coverage typically can only be tr

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What if I have lost my job or am unable to work due to COVID-19?

epiainsurance

Apr 4, 2020
2 min

What if I have lost my job or am unable to work due to COVID-19?

#COVID19 #BusinessInsurance #Employer #Employee #Disabled What if I have lost my job or am unable to work due to COVID-19? 如果我因新冠病毒而失業或無法工作怎麼辦？ Governor Newsom’s March 12 Executive Order 加州州長Newsom於三月十二日頒布的行政命令 Governor Newsom’s March 12 Executive Order spelled out several steps that employees can take if they lose their jobs or are unable to work due to COVID-19. These include disability and unemployment insurance, paid family leave for caregivers, and workers’ compensation

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Is there still a penalty for being uninsured?

epiainsurance

Mar 26, 2020
2 min

Is there still a penalty for being uninsured?

#CoveredCalifornia #TaxReturn #TaxForms #HealthBenefits Is there still a penalty for being uninsured? 未投保會受到罰款嗎？ Because of the health care law, you might receive some forms early in the year providing information about the health coverage you had or were offered in the previous year. California have individual mandate penalties as of 2020. 根據醫療保健法，您可能會在今年年初收到某些表格，其中提供了有關您過去或曾經提供的健康保險的信息。2020年，加州合法居民若是符合規定而未投保者則有罰款。 Open enrollment permanently extended in California New sched

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epiainsurance

Mar 18, 2020
2 min

Q&A - Forms 1095-A, 1095-B, and 1095-C

#CoveredCalifornia #TaxReturn #TaxForms #HealthBenefits Q&A - Forms 1095-A, 1095-B, and 1095-C 問與答 - 1095-A, 1095-B, 1095-C表格 Because of the health care law, you might receive some forms early in the year providing information about the health coverage you had or were offered in the previous year. 根據健保法，您於年初將會收到一些表格，表格內將提供關於您去年曾經擁有的健康保險的訊息。 Will I receive any health care tax forms every year to help me complete my tax return? 我將會收到用於申報去年個人稅收的健康保險相關表格嗎？ "By early February, you

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epiainsurance

Mar 11, 2020
2 min

Health Care Law & Your Tax Return

#CoveredCalifornia #PrescriptionDrug #Medication #HealthBenefits Health Care Law & Your Tax Return 健保法與納稅申報 "IF YOU…Had health care coverage for the entire year for yourself and everyone in your tax household. THEN YOU…Will simply check the box on your individual income tax return on the line labeled ""Health care, individual responsibility"" to indicate full year coverage." "若是您...已幫您自己以及其他納稅申報單內家庭成員，於納稅年度內購買符合規定的健康保險。您需...於納稅申報單上勾選 ""Health Care Individual Responsibility""

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UPDATE：Blue Shield of California Waiving Cost-Sharing and Prior Approval for Coronavirus Testing

epiainsurance

Mar 10, 2020
1 min

UPDATE：Blue Shield of California Waiving Cost-Sharing and Prior Approval for Coronavirus Testing

#BlueShield #CostSharing #CoronaVirus #TestingCost #Waive UPDATE：Blue Shield of California Waiving Cost-Sharing and Prior Approval for Coronavirus Testing 最新通知：加州藍盾醫療保險公司取消分攤收費和批准免費新型冠狀病毒測試 Starting immediately Blue Shield is waiving all cost-sharing and any prior approval for Covid-19 testing prescribed by a physician for all members enrolled in Blue Shield’s fully insured commercial and Medi-Cal plans. This includes cost-sharing for hospital, urgent care, emergency room, an

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epiainsurance

Mar 4, 2020
2 min

Health Care Law and You

#CoveredCalifornia #PrescriptionDrug #Medication #HealthBenefits Health Care Law and You 與您息息相關的健保法 Under the recently enacted Tax Cuts and Jobs Act, taxpayers must continue to report coverage, qualify for an exemption, or pay the individual shared responsibility payment for tax years 2017 and 2018. 根據最新的《減稅和就業法》，納稅人必須繼續報告所承保的保險內容，才符合資格申請獲得部分保費豁免，或需支付2017和2018納稅年度的個人保費。 IF YOU…Are a U.S. citizen or a non-U.S. citizen living in the United States THEN YOU…Must have qualifying h

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What to Do With a 401(k) When You Change Jobs

epiainsurance

Feb 26, 2020
1 min

What to Do With a 401(k) When You Change Jobs

#401kplan #retirementplan #taxadvantage #employeebenefit EVERY TIME YOU CHANGE jobs, you need to decide what to do with your old 401(k) plan. This can be a time to seek better mutual fund choices and lower investment costs. But it’s also important to take care to avoid fees and taxes when you move your money. Here’s how to manage your 401(k) plan when you move on to a new job. 每次您更換工作時，都需要決定如何處理您的401(k)計劃，這可能是尋求及選擇更好基金和降低投資成本的時候。但是除此之外，在轉移資金時如何避免繳交額外的費用和稅金，這一點也很重要。以下的文章，將能給您一

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How is a Roth 401(k) plan different from a regular 401(k)?

epiainsurance

Feb 19, 2020
1 min

How is a Roth 401(k) plan different from a regular 401(k)?

#401kplan #retirementplan #taxadvantage #employeebenefit Roth 401(k) is a relatively new option that some employers offer along with a traditional 401(k). It's basically the opposite of a traditional 401(k) plan - meaning you pay the taxes on your contributions, but not your withdrawals. So while you do have to fund it with after-tax dollars, the money grows tax free and you won't have to pay income tax on any money you take out. 羅斯401(k)是目前雇主提供的一個較新的退休福利計劃選擇，也可與傳統401(k)同時提供。

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epiainsurance

Feb 12, 2020
1 min

How does a 401(k) plan work?

#401kplan #retirementplan #taxadvantage #employeebenefit You decide how much you want to contribute, and your employer puts the money into your individual account on your behalf. The investment happens through payroll deduction: You decide what percentage of your salary you'd like to contribute and, from then on, that amount comes straight out of your paycheck and goes into your account automatically. 您能自行決定放入多少款項至您的401k退休福利帳戶內，然後雇主代表您將這筆錢存入。此款項將從您的工資中自動扣除，首先您先決定此款項為您目前工資多少百分

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