New Unum tools to help employers decide: pay or play?

The most critical decision employers face under health care reform is this: Will the employer offer health care coverage to employees, or pay a penalty instead?

A new collection of tools will help employers navigate this next crucial decision regarding health care reform. The materials include:

Pay or play interactive tool: Enter employee information to find out whether an employer may be subject to the employer mandate — and what penalties they may face.
Pay or play decision tree: Follow the arrows on this graphic to see the elements that make up the pay or play decision.
Employer responsibility timeline: This web-friendly version of the roadmap timeline contained in our report, A health care reform roadmap: Key steps and strategies for 2013 and beyond, walks employers through their health care reform decisions from now through 2018.

Employers with 100 or more employees must make the pay or play decision in time for employees to begin receiving coverage in 2015. Employers with 50 to 99 employees are exempt from this mandate until 2016.

These tools can help give businesses the confidence they need to face health care reform. And they open the door to discussions about a total benefits strategy that includes Unum coverage.

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