How to simplify the administration of medical benefit for your employees? Imagine a scenario where a company has 200 employees who stay in 100 different locations. This is what the employees want. Employees want to be able to see their doctors at their work place when they are sick. Employees also want to be able to consult doctors near to their home. As a result the human resource officer ended up appointing over 100 individual clinics at different locations to take care of the health of the employees. Here is what happens, when the employees fall sick. The employees can visit these individual clinics. As a result the human resource officer receives 100 individual invoices from different clinics every month. The human resource officer then needs to check the invoices against the medical benefit entitlements of each employee. After this, the invoices are handed over to the finance departments who have to cut 100 cheques to pay these doctors. This is tedious. Sometime the employees are allowed to visit non- appointed clinics when they are sick. Here is what happens. They pay cash up front and take the receipts to claim reimbursement later. Each individual is likely to see a doctor 5-6x per year. As a result the human resource department may end up having to process in excess of 1000 reimbursement of these receipts to 200 employees every year. These two real life scenarios lead to tedious admin works for the human resource department. It is ineffective in managing …

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From ” Cemetery ” Label: OG Music Catalog#: OG 4 Format: Vinyl, LP, 33 ⅓ RPM Country: Canada Released: 1984 Tracks A1 Things With You A2 Big Scary Daddy A3 Skeleton At My Party A4 If Mashed Potatoes A5 Long Tall Texan A6 How Can I Miss You A7 Kill Kill Kill A8 I Better Think A9 Voodoo Barbecue B1 Metro Vers L’Enfer B2 Crocodile Tears B3 Buy Insurance B4 Eager Beaver Baby B5 Cemetery B6 Stranger B7 Jungle Out There B8 Stop B9 Wormtown B10 16 Tons All songs ©1984 G. Van Herk/OG except as noted. All songs CAPAC as far as we know. A5 Written by: Stezlecki/Isle City Music A7 Written by: Plewman/Marginal Music B4 Written by: Roberts-Katz-Clayton/Chappell & Co. B10 Written by: Travis/Chappell & Co. ———————— Déjà Voodoo was formed by Gerard van Herk (guitar and singing) and his friend Tony Dewald (drums). Combining 1950s horror imagery with rockabilly and country musical influences they created a sound which gained them a unique standing amongst Canadian artists. Van Herk’s guitar only had the top four strings and he sang in a deep voice, whilst Dewald’s drum kit had no cymbals, which resulted in a low-treble rock style they termed “sludgeabilly.” The band toured in Canada, the United States and even Europe. Déjà Voodoo even managed to encourage other artists in Canada to form bands along similar musical styles. In Canada, the band was most renowned for live performances its annual “Voodoo BBQ’s,” the last of which was held on June 23, 2006. Early days Both …

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Intrinsically, insurance is based on the principles of protecting a person or business from particular risks. This can include anything from natural disasters to theft to property damage.

Yet, when it comes to business, the kinds of risk can be far more significant, as well as far more costly. Not only are you responsible for what happens to your own property and employees, but you’re also responsible to the people with whom your business comes in contact. General liability insurance covers these risks and protects your company from possible adverse financial situations. Professional liability insurance also covers those same risks, but is more specific to certain professional fields.

The Concern of Liability

Liability is a concern for businesses because a business is responsible not only for harm and damages done as a direct consequence of doing business, but also as an indirect consequence of doing business.

This, unfortunately, entails a wide selection of possibilities. A mistake made months or years ago by you or your employees could have caused harm to someone by a third party using your product or service. Regrettably, it’s nearly impossible to predict everything that may happen as a result of your business services or products. Professional liability insurance and general liability insurance are thus critical in protecting your interests and the interests of your company. Otherwise, the risks of putting yourself and your business in serious financial jeopardy are limitless.

The Differences

General liability insurance and professional liability insurance are like two sides of a coin. Whether it’s personal, business, or corporate insurance, insurance packages and providers envelop a range of different facets for individuals and groups of individuals. Though the boundary is sometimes blurred between the diverse insurance coverage provided by either general liability or professional liability insurance, there are surely differences between the two.

Ultimately, the differences between general liability insurance and professional liability insurance put them in different categories, which include business insurance, and general insurance. Knowing the disparities and acquiring the most suitable insurance is a critical move for your company. Insurance should always be an integral part of your business.

Policies considered general liability insurance typically address claims of bodily injury or property damage liability. Most companies are already familiar with general liability coverage including: injury, environmental impact, casualty, and more of the like.

Professional liability insurance differs in that it pertains to negligence associated with your professional services. The damage is typically financial, rather than physical. Accordingly, a professional such as an accountant would be expected to perform in a certain manner and abide by a set code of conduct. Violating those principles could hold the accountant responsible for harm or damages done to others. A management consultant may have a different set of professional expectations to abide by. Both professionals must stand by their particular professional standards, or could be subject to liability suits and resulting damages.

As with general liability insurance, professional liability insurance is crucial because it covers the indirect consequences of your conduct. Even a phone conversation with a third party advising them on how to deal with one of their own clients can leave you liable for your conduct. Consequently, professionals always need to practice the utmost care when carrying out their duties. In order to be vigilantly careful, it’s important to have the appropriate general liability insurance, and the proper professional liability insurance that may save you from financial harm.

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Every business must retain certain records on their current and past employees, but which ones and for how long?

On the federal level, there are two agencies that regulate record keeping. First is the IRS, which is responsible for enforcing the Internal Revenue Code. The second is the U.S. Department of Labor (DOL). The Wage and Hour Division of the DOL is responsible for enforcement of the Federal Fair Labor Standards Act (FLSA), the Family and Medical leave Act (FMLA), the Immigration Reform and Control Act (IRCA), and the laws governing wages paid by federal government contractors.

Both of these agencies have separate rules regarding the type of records that must be kept and the length of time you must keep the records. To further complicate your requirements there are numerous state, local and other regulatory agencies that may require additional record keeping. State agencies enforce State Unemployment Insurance Tax Acts, state wage and hour laws, child support and creditor garnishment laws and unclaimed or abandoned wage requirements.

Keeping these records accurate and up-to- date is extremely important to the health of your business. Without the proper records you will be unable to meet regulatory requirements should you be audited by any of various federal state and local agencies. Failing to meet these requirements can mean large penalties and the potential for large settlement awards should you be unable to provide the required information when requested.

Internal Revenue Service

The following records must be kept for four years after the tax due date or the actual date paid.

Name, address, occupation, and social security number of each employee

Total compensation and date paid including tips and non-cash payments

Compensation subject to withholding for federal income, social security and Medicare tax
Pay period for each compensation period

Explanation of difference in total compensation and taxable compensation

Employees’ W-4 Form

Dates of employment (beginning and ending)

Employee tip reports

Wage continuation made to an absent employee by employer or third party

Details of fringe benefits provided to employee

Copy of employee’s request to use the cumulative method of wage withholding

Adjustments or settlement of taxes

Amounts and dates of tax deposits

Total compensation paid to employee during calendar year

Compensation subject to FUTA

State unemployment contributions made

All information shown on 940

Copies of returns filed (941, 643, W-3, Copy A of Form W-2 and returned W-2 forms)

Department of Labor

The following records must be kept for three years after date of last entry.

Employee’s name as it appears on social security card

Complete home address and date of birth if under age 19

Sex and occupation

The beginning of the employee’s work week Regular rate of pay for overtime weeks

Hours worked each workday and workweek

Straight-time earnings including the straight -time portion of overtime earnings

Overtime premium earnings

Total wages paid for each pay period including additions and deductions

Date of payment and pay period covered

Records showing total sales volume and goods purchased

Following records must be kept for two years after the last date of entry

Employment and earnings records, employee hours of work, basis for determining wages and wages paid

Order, shipping and billing records showing customers orders and delivery records

Wage rate tables and piece rate schedules

Work time schedules that establish hours and days of employment

Department of Labor

In addition to the general requirements of both the IRS and the DOL mandated by several federal acts. They are:

Family and Medical Leave Act

Basic payroll and employee data

Dates FLMA leave is taken

Hours worked by employee in last 12 months

Hours of FLMA leave for exempt employee

Copies of employee notice to employer

Copies of general and specific notes given to employees

Copies of policy regarding taking of paid and unpaid leave by employee

Documents verifying premium payments of employee benefits

Records of FLMA leave disputes between employee and employer

Title VII of the Civil Rights Act of 1964 and the Americans with Disability Act of 1990 have no general record requirement under the law, but to meet the requirements all records relating hiring, promotion, demotion, transfer, layoff or termination, rates of pay, and selection for training or apprenticeship should be kept for one year from date of action.

The Age Discrimination in Employment Act of 1967 requires that you keep the following records for three years:

name

address

date of birth

occupation

pay rate

compensation earned

You also keep the following for one year from the date of action:

job applications

resumes

response to advertised job openings

records related to the failure to hire an individual

You also must keep all records related to

layoff or discharge of an employee

job orders submitted to a placement agency

employee administrated by employee physical exams used to make personnel decisions
job advertisements

The Immigration Reform and control Act requires that you must retain copies of the I-9 Form for three years after the date of hire.

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Most of us have heard the word audit but we rarely know what it actually means. If you are also trying to understand what an audit is then you are at the right place. An audit is basically an accounting technique in which the financial records of an organization, company or an individual are inspected accurately to ensure that they are precise and accurate.

Most of the the taxpayers fear an Internal Revenue Service audit, whereas the dishonest organizations fear the independent audits as it may reveal the misuse or embezzlement of their funds. An audit helps in keeping the company honest and also reassures the investors and the employer about the financial condition of the organization in which they are working.

There are basically two types of audits. They are:

* Internal audits

* Independent audits

The audits are usually performed without any partiality.

The internal audits of the company are generally conducted by the accounting department of the concerned organization. It is seen that various companies carry out regular internal audit checks so as to keep different finances in order and to see if the public trading of the company is going smoothly, and also to find out whether the reports are available for inspection by the stockholders.

The external or independent auditing is basically done by the third party like a professional accounting organization that specializes in providing external auditing services.

In both the cases, the financial records of an organization including bank statements, ledgers, tax information, pay rolls, official published reports, internal financial reports, accounts receivable and accounts payable will be scrutinized. At the time of an audit, the records of the company are inspected closely to search for any kind of discrepancies and inaccuracies so that they can be repaired and addressed.

Conducting audits is very important for most companies and organizations. There are many reasons for that.

An audit commonly brings the simplest accounting mistakes into notice. Also, during the time of an audit the sinister issues like misappropriations of funds (if any) are also brought into the limelight. The organizations that are struggling financially usually end up making some wrong financial decisions in order to salvage their organization and such decisions are then disclosed by a very close audit.

It so happens that an audit also discloses if a company on the verge of bankruptcy due to the high misuse of the funds. Examples like WorldCom and Enron will come to mind where such discrepancies were exposed via audits.

Typically when any kind of inaccuracy is disclosed through an independent audit, it is repaired by the auditors in its final report to the company. In few cases, the audit is ordered by an external body like the Exchange Commission who will also receive a copy of the audit report.

So, to sum it up, companies are audited to remove inaccuracies and prevent the misuse of funds available to an organization.

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