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ACA Affordability Limit Decreased to 9.61% for 2022
For the third time in the ACA’s history, the required contribution percentage used to determine whether employer-sponsored health coverage is “affordable” has been reduced.
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What is a financial plan, and why should you have one?
Would you pack up your car for a vacation, pack all the kids in the car, turn onto the highway and drive, without knowing where you’re headed? Not usually! Same thing goes with a financial plan. Contact our team at Marshall & Sterling Wealth Advisors.
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NY HERO Act Update: Covid-19 Designated an Airborne Infectious Disease
NY HERO Act Update: Covid-19 Designated an Airborne Infectious Disease
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A Compelling Case for Flood Insurance
Floods are the number one natural disaster in the United States. While some regions, such as coastal areas, are more flood-prone than others, the unpredictability of climate change exposes all property to some risk. And torrential rainfall isn’t the only culprit. Flooding is also caused by mudflows, rapid snowmelt during spring and ice jams during winter. 
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ARPA COBRA Subsidy Expiration Notices due by Sept. 15
Under the American Rescue Plan Act of 2021 (ARPA), employees who were involuntarily terminated or had their hours reduced (and who met certain other criteria) became eligible for fully subsidized COBRA coverage from April 1, 2021, through September 30, 2021.
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IRS Form 941 Updated for ARPA COBRA Tax Credit
Earlier this month, the IRS released an updated version of Form 941, with associated revised instructions, to include fields for taking a tax credit for the American Rescue Plan Act (ARPA) COBRA subsidies.   
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NY HERO ACT Update
On July 6, 2021, the NY DOL published a new Airborne Infectious Disease Exposure Prevention Standard, Model Airborne Infectious Disease Exposure Prevention Plan, and various industry-specific model plans.
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Summer Precautions for Outdoor Workers
Prevention of heat stress in workers is important. Employers should provide training to workers so they understand what heat stress is, how it affects their health and safety, and how it can be prevented. If you’re an outdoor worker, it is important to take precautions against exposure to sun, heat and bug bites during the summer months. 
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Are Volunteers Covered by Workers’ Compensation Insurance?
Volunteers bring a lot of value to the organizations they work with. But they can also bring a lot of risk.
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Fatal Accidents Increased 7% in 2020, Despite Fewer Drivers
A recent report by the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) found that fatal traffic accidents increased 7.2% in 2020 from 2019, despite fewer drivers on the road.
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