Seeking Solutions for Obamacare

A reader writes…

Hi, Anita:

As the HR Director of a company with 56 people, Obamacare is on the top of my mind. My company is on the fence about what we should do. We don’t want to let go 7 people to be under the magic number of 50, but we want to avoid the steep penalties. What are your thoughts on how to best handle this new law as an employer or business owner?

Dear, Seeking a Solution:

Thank you for the question! Business owners and employers are all struggling with the looming question of how they will handle the coming implementation of Obamacare’s penalty provisions. I am glad to hear that my readers are already thinking about the subject and beginning to get their strategies in order now. In your situation Doctor_Handswith just over 50 employees, you are in the category that must provide affordable health insurance or face hefty fines.

After doing some research and evaluating the options, I have determined that the best course of action for businesses like yours is to move your excess employees over to a staffing firm’s payroll. Here is how I came to this conclusion.

  • By migrating 7 workers to a staffing firm’s payroll, you can cut your “full-time equivalent” staff below the 50-person limit, which means your company will not be subject to fees and penalties. The staffing company becomes the official employer of record and is responsible for providing health care or absorbing the penalty. In our reader’s case, if they were to move Medical_Filesthe 7 people from their payroll to a staffing company, it could save them $14,000 in penalties and potentially even more in insurance costs.
  • Some staffing firms offer health benefits to their temporary employees, relieving you of any moral concern or burden. My favorites are Select Staffing, RemX Specialty Staffing, Remedy Intelligent Staffing, and Westaff.
  • Lower insurance rates for your employees.  Larger staffing firms have so many employees on their insurance plans that they are able to negotiate great group rates. This cost savings can be passed on to you.
  • By moving your a portion of your workforce to a staffing firm, you will not be required to comply with the complex reporting requirements. The employer must report regularly to the IRS, its employees, and to all states in which the company does business. This will reduce costs and provide a savings in administrative overhead.

On a recent episode of his CNBC show Mad Money, financial analyst Jim Cramer noted that the demand for temps is mushrooming, “fueled in part by the pending implementation of Obamacare.” He says: “Businesses of all sizes are searching for ways to cope with this law, and the easiest way to avoid paying these expenses is to hire more temps.”

Employers, what are your plans for managing the Obamacare mandate? Will you be turning to staffing firms for help?

Best wishes,

Anita

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Validation for Veterans

A reader writes:

Good Morning, Anita,

Recently, I returned home from a deployment to Afghanistan. Since coming home and taking a much-needed break, I feel that I am ready to join the civilian workforce and begin supporting my family again. Like many other veterans, I am running into some difficulty finding gainful employment and paying the bills. What advice can you give to me and other veterans looking for employment and experiencing the hardships of transition? Thank you!

Dear, Valued Veteran:

First and foremost, thank you for your service to our country and for the sacrifices you have made in the name of freedom. I can speak for many reading this blog that we greatly appreciate your efforts and dedication to the United States of America.

Unfortunately, as you mentioned, transitioning into the civilian workforce and regular life after serving in the armed forces can be difficult. Not only do you face the same challenges as those currently unemployed, but you must also Army_Bootsacclimate to new surroundings and hone your military training to fit open employment opportunities.

To get the ball rolling, make sure that you register with Veteran Affairs (VA) as soon as possible after you are discharged. You should qualify for medical and dental insurance. These benefits will diminish your financial burden significantly if unexpected medical emergencies arise. Co-pays for preventative medicine and routine exams are relatively low for this program and maybe expunged if you are unable to afford them.

Next, I suggest that you take some time to sit down and write a strong and compelling résumé and cover letter describing your skills, experiences, and work ethic. These items are job hunting gold and are necessary in landing your next career. For tips and advice on how to create and perfect these documents, take a quick look my posts How to Tailor Your Résumé and Covering the Cover Letter. If you feel like you need additional help, you can look into services such as CareerPerfect  to write your résumé and cover letter for a nominal fee. The VA’s Vocational Rehabilitation & Employment Program also has services that can help.

Some strong qualities and experience to highlight are:

  • Military efficiency
  • Overseas experience
  • Problem solving skills
  • Flexibility and decision-making abilities under pressure
  • Leadership roles
  • Other relevant experiences

Also, take your military occupation code (MOS), area of concentration (AOC), Air Force specialty code (AFSC), or Navy Soldier_Saluteenlisted classification (NEC) and enter them into a skills translator, like those found at www.vetsuccess.gov/military_skills_translators, to turn them into commonly desired skills in the private sector.

Now that you have a strong and noteworthy résumé and cover letter, head on over to my friends at Select Staffing for employment assistance. Visit their website (www.selectstaffing.com), fill out the online application, and call your local office to schedule an appointment with a recruiter. Select Staffing is actively seeking skilled, dedicated, and versatile veterans for a wide variety of positions. They highly value the characteristics, commitment, and skills possessed by servicemen and women and are determined to do their part to help.

I know that they are currently recruiting for the following positions:

  • General Professional
  • Security Services
  • Administrative Assistant
  • Legal Assistant/Paralegal
  • Accounting
  • Data Entry Operator
  • IT Auditors
  • Utility Workers
  • Project Managers
  • Business Intelligence Analysts
  • And much more!

If you are looking to sharpen your skills and become educated in your field of interest, sign up for the GI Bill. Once you have done so, get in contact with Veteran Affairs Education and apply for benefits online to help cover tuition, books, and living expenses while you are in school. I strongly encourage you to take advantage of this benefit as you will strengthen your résumé and have better chances of landing a lucrative career.

I found a great webinar that I think would be great for all veterans to watch, titled “Job Search Tips: Webinar for Military Veterans Transition to Civilian Careers” by Lida Citroën. It is a bit longer than my typical videos but worth the time.

Readers, what advice do you have for our recently-returned Veterans?

Veterans, what have you found to be the most helpful with you return to the civilian workforce?

Understanding Unemployment

A reader writes…

Dear Anita,

I was recently laid off from my position as an Accounts Payable Clerk and my severance package is just about to run out. I was offered 2 months’ pay after the layoff, and I have been living off that while looking for a job. Unfortunately, I have not been able to find gainful employment and now will be filing for unemployment. How do I go about filing for and obtaining unemployment benefits?

Dear, Moving Forward,

Thank you for the great question. It can be a difficult time maneuvering your way through a layoff and coming to terms with what your future may look like. After you have exhausted your severance package or if you were not presented with a package, you may feel like you are up the creek without a paddle. Try your best

to remain calm. You do have the option to receive unemployment for up to 99 weeks if necessary.

Every state has a different process and procedure as to how you go about obtaining these benefits. Most states allow you to file a claim right from your own home or wherever you have access to the internet by completing an online application. If you do not have this type of access, you will want to visit the state’s unemployment office or see if you can file over the phone.

Be prepared with specific information that may be asked by your state’s representative. Each state varies on their requirements, but a few pieces of key information are listed below.Discouraged_Job Seeker

  • Your name
  • Your address
  • Telephone number
  • Former employer’s name
  • Former employer’s address
  • Former employer’s telephone number
  • Employer’s Federal Identification Number. (located on your pay stub)
  • Your Social Security Number
  • Your Alien Registration card number (if you are not a U.S. citizen)
  • Employment start and end dates
  • Compensation amounts, typically just your wages
  • Grounds of your release or termination of employment

After you have submitted the initial application and are approved, you will be given the option to reapply for aid each week. Funds are typically paid to your bank account, via check, or sent to a debit card.  Select whichever method of payment fits your situation the best.  If you choose direct deposit to your bank account, be sure to submit a voided check to verify your routing and checking account numbers.

Job HuntingMore details and information about filing for unemployment in your state can be found visiting your state government’s unemployment office.

My final piece of advice is to not stop your job search! As a matter of fact, some states won’t continue sending you checks unless you prove you have applied to jobs each week. I will be writing an article soon on what you should do while you are unemployed to increase your chances of landing a great job. Stay tuned for this post. In the meantime, I have a quick video I’d like to share with you that synopsizes this post.

Readers! Have you had to file for unemployment benefits? Share with me your experience and how you are overcoming adversity.

Thanks and I look forward to your comments!

-Anita

Disclaimer

Anita Clew's blog posts are intended for general guidance and should never be taken as legal advice. In all instances where harassment, inequity, or unfair treatment is believed to be present, please consult your HR Department or legal representation.
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