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Thomas Hart

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HSA-Qualified Health Plans: A Complete Guide for Employers

Learn what makes a health plan HSA-qualified, how high-deductible health plans work, the triple tax advantage for employees, and why Long Island businesses are choosing this cost-effective benefits strategy.

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Benefits Communication: Making Your Investment Count

Learn how to communicate employee benefits effectively so your team understands and values what you provide. Discover communication channels, timing strategies, and common mistakes to avoid.

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NY Workers Compensation Requirements for Small Businesses

Essential guide to New York workers compensation requirements for business owners. Learn coverage mandates, how to obtain coverage, employer obligations after injuries, and penalties for non-compliance.

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ACA Employer Mandate: Who Must Offer Health Coverage

Learn if your business must comply with the ACA employer mandate. We explain applicable large employer status, employee counting rules, coverage requirements, and penalties in plain English.

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Life Insurance Options for Your Long Island Business

Learn the differences between term vs permanent life insurance, group vs voluntary coverage, typical benefit amounts, and how life insurance helps attract and retain employees on Long Island.

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Understanding Health Insurance Deductibles, Copays & Coinsurance

Learn how deductibles, copays, and coinsurance work together in health plans. Clear explanations with examples to help you choose the right cost-sharing structure for your Long Island business and communicate it effectively to employees.

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Open Enrollment Best Practices for Small Business Owners

Master your employee benefits open enrollment with proven strategies for clear communication, smooth timelines, and better employee participation. Avoid common pitfalls that cost time and money.