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Thomas Hart

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ACA Reporting: Forms 1094-C and 1095-C Explained

Learn ACA reporting requirements for larger employers. Understand Forms 1094-C and 1095-C, filing deadlines, employee distribution rules, and how to avoid common compliance mistakes that can trigger IRS penalties.

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Critical Illness Insurance: A Safety Net for Your Team

Learn how critical illness insurance provides lump-sum benefits for serious health conditions, why it's valuable as a voluntary benefit, and how it helps protect your employees' financial security during medical crises.

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Specialty Drug Coverage: What Small Businesses Need to Know

Learn how specialty drugs work in employee health plans, why they require prior authorization, and how to manage costs while providing essential coverage for your team.

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Employee Retention Through Benefits: A Guide for Employers

Learn how to use employee benefits strategically to reduce turnover, attract top talent, and build a loyal workforce. Discover which benefits employees value most and how to implement them effectively.

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NY Paid Sick Leave: What Long Island Employers Need to Know

New York's paid sick leave law affects all Long Island businesses. Learn accrual rates, carryover rules, permitted uses, and employer obligations to stay compliant and support your team.

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Section 125 Cafeteria Plans: Tax Savings for Employers & Employees

Learn how Section 125 cafeteria plans help Long Island businesses reduce payroll taxes while offering employees pre-tax benefits like health insurance premiums and flexible spending accounts.

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Accident Insurance: Supplemental Coverage Guide

Learn how accident insurance supplements health insurance by providing cash payments for covered injuries. Understand benefits, employee value, and why Long Island businesses offer this popular voluntary benefit.