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President Trump Ends ACA Cost Sharing Reductions

Thursday, October  12,  2017

On the evening of October 12, 2017, President Trump announced that cost sharing reductions for low income Americans in relation to the Patient Protection and Affordable Care Act (ACA) would be stopped. The Department of Health and Human Services (HHS) has confirmed that payments will be stopped immediately. It is anticipated at least some state … Continue reading

Innovative Welcomes Luke Howard

Tuesday, October  10,  2017

Please joining us in welcoming Innovative’s new Data Analyst, Luke Howard. Luke has a B.S. in Chemical Engineering  and during his schooling he was heavily focused on research for sustainability in conjunction with the EPA. He worked primarily with major manufacturers such as DuPont and Nestle in wastewater purification. Luke has experience working with Corning … Continue reading

Compliance Alert!

Monday, October  9,  2017

Two tri-agency (Internal Revenue Service, Employee Benefits Security Administration, and Centers for Medicare and Medicaid Services) Interim Final Rules were released and became effective on October 6, 2017, and will be published on October 31, 2017, allowing a greater number of employers to opt out of providing contraception to employees at no cost through their … Continue reading

Innovative to be Honored for Lifetime Achievement for Philanthropy

Thursday, September  28,  2017

Innovative is honored to announce that the Association of Fundraising Professionals of Southern New Jersey will be honoring Innovative Founders, Terriann Procida and Mark Sulpizio, with the Lifetime Achievement Award at the 9th Annual National Philanthropy Day Celebration. Terriann and Mark will be honored for their contributions to the success of fundraising in South Jersey. … Continue reading

Ryan Kastner Moderates NPDC HR Breakfast Panel

Tuesday, September  26,  2017

This morning at Adelphia Restaurant & Lounge in Deptford, NJ the Nonprofit Development Center of Southern New Jersey held a breakfast panel discussion for Nonprofit Human Resource professionals. The panel discussion focused on various talent management issues in the nonprofit community. Innovative’s Employee Benefits Consultant, Ryan Kastner, had the pleasure of moderating the panelists. The … Continue reading

Ryan Kastner Speaks at Pennsylvania State SHRM Conference

Friday, September  22,  2017

Earlier this morning, Innovative’s Employee Benefits Consultant, Ryan Kastner, had the pleasure of presenting at the Pennsylvania State SHRM conference in State College, PA. Ryan’s presentation, “Healthcare Trends in the Trumpcare Era” detailed the most recent national and regional employer health plan trends from the United Benefit Advisor’s  Annual Health Plan Survey and detailed strategic … Continue reading

Innovative Employer Identity Monitoring and Restoration Services

Thursday, September  21,  2017

Recently, Innovative had the pleasure of seeing Frank Abagnale speak at the UBA Conference in Chicago. You may recognize Frank’s name from the movie “Catch Me If You Can” where he was played by Leonardo DiCaprio. Frank became (in)famous for writing fake checks (among other things) as a teenager. Later in life, he was offered … Continue reading

Post-Equifax Cyber Breach: Retirement Plan Sponsor Considerations

Wednesday, September  20,  2017

Plan sponsors have a fiduciary obligation to safeguard and preserve the assets of their employee benefit plans. As the number of cyber hacks continues to increase, plan fiduciaries must take certain steps to protect plan assets. Measures include evaluating security measures currently implemented by your organization, understanding the plan’s service providers’ security procedures, reviewing plan … Continue reading

Post-Equifax Cyber Breach: Employer and Human Resource Considerations

Wednesday, September  20,  2017

Under EEOC regulations, employers can utilize credit checks when hiring employees, provided that the information is relevant to the position. For example, an individual who will be responsible for providing sound investment advice to clients, must prove to the company that their own credit is satisfactory. However, many vendors sell packages to employers that include … Continue reading

August Compliance Recap

Friday, September  8,  2017

August was quiet month in the employee benefits world. The Internal Revenue Service (IRS) released its 2018 affordability rate, four information letters regarding the Patient Protection and Affordable Care Act (ACA), and its draft Forms 1094 and 1095. The U.S. Department of Labor (DOL) increased the McNamara-O’Hara Service Contract Act (SCA) health and welfare fringe … Continue reading


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