HR & Compliance

Add SBAM offers a full spectrum of human resources services to keep you compliant and help your business run more efficiently and profitably....


Human Resources Solutions

ASE LogoLooking for help with tough HR issues? 

SBAM partner ASE has the answers about hiring, firing, FMLA, ADA and more! Get access to a FREE HR hotline, affordable and cost-effective research consultation services, discounted employee handbooks and workplace posters, and more.


Section 125 Plan, FSA, HSA & HRA Administration

 

KUSHNER & COMPANY LogoLooking for ways to contain health care costs?
With the cost of health insurance continuing to rise, most employers require their employees to contribute to the cost of health insurance premiums. SBAM partner Kushner & Co. can help you put a tax-favored, consumer-directed plan in place that benefits you and your employees.

 


COBRA Administration

Personalized, affordable administration for your business. 

If you have 20 or more employees, your company is required by federal law to offer continued health insurance coverage via COBRA and will face huge fines if it's not administered correctly.  Let SBAM help you stay compliant for only $30 per month. 

Legislative update: State House considers multiple health insurance mandates

(By Dave Jessup, Director of Government Relations) Proponents of mandated insurance coverage for the treatment of autism argued their case this week. At the same SBAM joined other core business groups in offering testimony opposing legislative efforts to enact price controls on oral chemotherapy pharmaceuticals. 

Autism

SB 414, sponsored by Sen. Mike Green (R-Mayville); SB 0415, sponsored by Sen. Tupac Hunter (D-Detroit) and SB 0981, sponsored by Senate Majority Leader Randy Richardville (R-Monroe), were all up for discussion in the House Families, Children and Seniors Committee on Thursday. The bill sponsors were joined by Lieutenant Governor Brian Calley in voicing support for the package.

The package allows insurance carriers or third-party administrators to get reimbursements from the state for any autism-related claims. However, some observers doubt whether the $15 million dollar proposed appropriation is nearly enough to cover the cost of the mandate. This uncertainty, along with the many other factors that are projected to raise the cost of healthcare premiums, has led the business community, SBAM chief among them, to oppose the measure. 
SBAM is generally supportive of measures that help lower costs of care and allows increased access to treatment options for all health matters, including autism. However, SBAM has long opposed any and all attempts to accomplish this through mandated benefits, as it foists the financial burden exclusively on small businesses and individuals through increased co-premiums, co-pays and deductibles. 

Oral chemotherapy pharmaceuticals

On another front in the fight to help contain healthcare costs for small businesses, SBAM testified before the House Health Policy Committee this week to oppose mandated price parity for oral chemo therapy drugs. 

Pharmaceutical drugs make up a significant portion of the cost of health care and high-cost specialty drugs make up the fastest-growing segment of those cost drivers. The package of bills would shift those costs to employer healthcare premiums, as a result of mandating price parity. With the large self-insured companies exempted, the financial burden exclusively falls on the small business owner.

While neither committee took action on either issue, action could come as quickly as next week. SBAM members are encouraged to contact their lawmakers to ask them to oppose measures that mandate health insurance coverage, as insurance mandates continue to drive costs up for employer–sponsored health insurance. 

What do you think of these mandated benefit proposals? Leave a comment below!

Navigating social media challenges in the small business workplace -- an exclusive SBAM audio seminar (6:30)

Click on the play button below to hear this six-and-a-half-minute long interview on how to navigate social media challenges in your small business workplace. SBAM's Vice President Communications Michael Rogers talks with HR expert Toni Talbot, principal of Human Resource Management Services LLC. Hear more free Business Next audio seminars by going to sbam.org/radio. Like this interview? Suggestions for improvement? Leave a comment below.

SBAM announces partnership with Intern in Michigan to help you hire top Michigan talent

Through a new partnership with Intern in Michigan, the Small Business Association of Michigan brings you a better way to find talent to help your small business today.

Unlike other career websites, Intern in Michigan is free and uses Classroom to Career technology that instantly matches you with qualified internship candidates based on your requirements. 

Saving you time and money, this new system allows you to post your internship opportunities and select from a pre-screened pool of candidates from around the state that have the skills and interests you need. 

Check out this short video explaining how Classroom to Career technology works. 

Since its launch in October 2011, more than 8,000 students from across the state have registered with Intern in Michigan.  These talented students represent all major colleges and universities in the state and are actively seeking careers in Michigan.

Internships help attract and retain young talent. Enhance your current hiring practices by posting opportunities with Intern in Michigan. With this system, your opportunity’s range is amplified, allowing your organization to reach a greater audience of potential employees.

Go to http://sbam.interninmichigan.com and connect with the talent you need.

Manage your March Madness office mania. Monday at 10 a.m. on the free Business Next audio seminar

HR expert Toni Talbot discusses March Madness office pools, employee online social networking and how to coach your workers. Listen today at 10 a.m., 3 p.m. and 8 p.m. on the Michigan Business Network. Listen to archived programs anytime at your convenience on your PC or mobile device by going to the Business Next show page

Get Business Next audio seminars delivered three times a week automatically to your iPhone or other mobile device. Subscribe in iTunes using this URL

Photo by http://www.flickr.com/photos/j9sk9s/

Steven Strauss: Self-Employment Part 1

Part 1 of 2

Question: Hey Steve, I have a friend who has been unemployed for about two years. His unemployment insurance is about to run out and he has this kooky plan now to go the self-employment route. I have tried to explain to him that this is no time to start a business. He won’t listen to me. He likes your column – can you steer him on the right path. Thanks.

Answer: I can, if you will agree with me that the right path is self-employment.

Pull up a chair and let me tell you a little story: I know of a guy who used to have a real cushy job on Wall Street back in the 90s. He analyzed other companies for a living, made the big bucks, had the sweet lifestyle – the whole enchilada,

Then one day his boss gave him the assignment to research a new industry and report back on what opportunities may lay there. He did, and found that the nascent industry was actually growing at something like 2,600% a year – some amazing number. So yes, he reported back to his boss, but also could not get that number out of his head.

Not long after, with an understanding mate and a big dream, he quit his job to become self-employed in this new industry. They packed up the car, and as his wife drove west, he pounded out a business plan on his computer. When they got to Seattle, they rented a little place, and he started his business in the garage.

The guy? Jeff Bezos. The Industry? The Internet. The business? Amazon.com.

Self-employment allows you to chase the dream.

Beyond that, there are all sorts of other reasons to go the self-employment route, and more and more people are opting to do so, but first, what do I mean exactly by “self-employment”?

•    The IRS says that self-employed people are freelancers and independent contractors, small business owners and partners – essentially anyone who earns their income from the operation of a business.
•    I would add that they are, for the most part, one and two person businesses, although they may hire contractors or employees on occasion.

A woman in a startup with $1 million in VC funding and 8 employees is not self-employed per-se, but the lawyer who left the firm to go solo is, as is your independent plumber, bookkeeper, and web designer.

There are many, many very good reasons to become self-employed, but let me begin with this one, this ironic one: Self-employment offers greater job security than working for someone else.  

As we all know only too well, bosses can fire you. But when you are self-employed, hopefully you have a pretty good boss, and he won’t fire you (yes, he may work you too hard, but that’s a different issue.) Sure, you may lose a client – heck, you will lose a client – but when you are self-employed, you can go get another one, and likely, you already have other ones. When you are an employee, you have one “client”, and when that client lets you go, you are up a river without a paddle.

Other benefits of becoming self-employed:

•    Flexible hours
•    Creative work – you wear many hats
•    Ability to make more money
•    Chance to do something you love
•    Opportunities

On that last point, I know of a Gen Y woman who, like many people in her generation, has chosen to go the self-employment route rather than the traditional employee route, even though she is as smart as a whip, responsible and competent, has mad skills, and would make a great employee.

Instead, she freelances between two or three big clients at a time. This allows her to spend time with her young ones and sharpen her skills along the way. And just last week, one of her clients offered her a great new gig, one that will use her skills in new ways, and she couldn’t be happier. (And she gets
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