Unum Insurance has put out a benefits decision guide to advise consumers and businesses on the upcoming healthcare reform implementation starting in January 2014. Our agency would like to give an overview of the recommendations given in this informative roadmap guide.
1. Are you a large or small employer?
Do you have more than 50 FTE's? If yes, you are a large employer, and PPACC requires you to provide health insurance to your full time employees or potentially pay a penalty.