About HR & Benefits Essentials
HR & Benefits Essentialsis an award-winning, comprehensive site containing employee benefits, labor & employment, and personal financial planning information.
HR & Benefits Essentials is designed to provide business managers, employees and their advisors–attorneys, accountants, insurance agents, consultants and others–with the practical and legal information they need to effectively and efficiently deal with the many compliance and other issues they encounter on a day-to-day basis, in their business and personal lives.
By using this site, you agree to respect our Copyright and abide by our Terms of Use.
Written in Plain English
HR & Benefits Essentials is a unique resource that explains and simplifies complicated information about a host of key benefits and related areas. HR & Benefits Essentials covers much more than just benefits–including labor and employment topics, such as recruiting and hiring, employee testing, EEO and discrimination, vacation & leave policies, and employee termination issues, as well as tax, retirement and estate planning issues.
Employees have found this information to be fundamental to their understanding of the benefits offered to them by their employers. A wealth of benefits, legal and financial planning information is available free to the public, while a premium service, which includes more comprehensive information, as well as a direct link to “Ask the Experts” is available at competitive annual subscription rates.
HR & Benefits Essentials discusses, explains and analyzes complicated federal laws and confusing acronyms–such as COBRA, ERISA, ADA, FLSA, FMLA, HIPAA and others–in plain English, so that they can be understood by the professional and lay person alike.
HR & Benefits Essentials also includes a voluminous library of proprietary forms, checklists, model language, company policies, sample letters and employee communications covering a wide range of benefits and related employment areas. These forms can be downloaded and customized for use in Employee Handbooks and other company communications.
Martin Censor, Managing Editor of HR & Benefits Essentials, is an attorney with over ten years’ experience in tax, employment law, compensation and benefits issues. Mr. Censor is an Adjunct Professor of Taxation at Queens College, City University of New York. He was previously Managing Editor at Warren, Gorham & Lamont (West Group), where he wrote, edited and managed publications, including Benefits Guide, Compensation Guide, Employee Benefits Handbook, Journal of Compensation & Benefits, International HR Journal and others. Prior to joining WG&L, Mr. Censor was in private practice in Brooklyn, New York.
HR & Benefits Essentials has offices in New York City and Stamford, Connecticut. For more information about HR & Benefits Essentials’s products and solutions and how your business can get the same class of online tools available to Fortune 500™ companies – and start simplifying your work and your life, visit www.HRandBenefits.com, or call us at (203) 977-8100.
Terms & Conditions
Conditions of Use
By using this website, you acknowledge your agreement to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.
All articles and other information and materials on this site and through the 'Ask the Experts' service (collectively, "Information") are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Transmission of the materials and information contained herein is not intended to create, and receipt thereof does not constitute formation of, an attorney-client relationship. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved; accordingly, information on this website and, responses to questions provided through the 'Ask the Experts' service, are not promised or guaranteed to be correct or complete. All information provided through the 'Ask the Experts' does not represent an official position of the publisher. If legal advice or other expert assistance is required, the services of a competent professional should be sought.
HR & Benefits Essentials refers to HRandBenefits.com and BenefitsEssentials.com, its authors, editors, publishers, insurance broker distributors, General Agent distributors, payroll company distributors, all other distributors, associates, affiliates, heirs and assigns, including ASC Technologies of CT, LLC, its principals, officers, employees, associates, affiliates, heirs and assigns.
ASC Technologies of CT, LLC (ASC Technologies) refers to the owner and operator of HR & Benefits Essentials.
The opinions expressed in Information are those of the author(s) and not necessarily those of HR & Benefits Essentials.
Disclaimer
HR & Benefits Essentials assumes no liability for the use or interpretation of information contained herein. HR & Benefits Essentials expressly disclaims all liability in respect to actions taken or not taken based on any or all the contents of this website. HR & Benefits Essentials will not be liable, under the terms of this disclaimer or otherwise, for any loss of profit, loss of revenue, loss of contract or any other indirect or consequential loss you may suffer as a result of the use of any of the information contained in the web site. The materials presented on this site are provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS.
You, and not HR & Benefits Essentials, are responsible for the applicability and accuracy of Information as it relates to your company, employees or clients. Your use of Information does not relieve you of responsibility, including those to any third party, for matters involving your company, employees or clients (e.g., preparation of tax returns, etc.) and you may not rely upon HR & Benefits Essentials for advice regarding same. The provision of Information by HR & Benefits Essentials is not intended to create, and your use does not constitute, any form of relationship between HR & Benefits Essentials or the author(s) and you.
Limitation of Liability
Under no circumstances, including, but not limited to, negligence, shall HR & Benefits Essentials or any party involved in creating, producing, delivering or distributing the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website. In no event shall HR & Benefits Essential's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. HR & Benefits Essentials also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
Restrictions on Use of Materials
This website is owned and operated by ASC Technologies of CT, LLC. Except as otherwise expressly permitted by ASC Technologies, no materials from this website or any website owned, operated, licensed or controlled by ASC Technologies may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without ASC Technologies’ written permission. ASC Technologies neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.
Jurisdictional Issues
Unless otherwise expressly set forth herein, HR & Benefits Essentials makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Copyright Notice and Reproduction
This site as a whole is copyrighted as a collective work, and individual works appearing on or accessible through this site are likewise subject to copyright protection. You agree to honor the copyrights in this site (including the selection, coordination and arrangement of the contents of this site) and in the works available on or through this site. Copyright is not claimed for materials originating from U.S. government sources.
In addition, trademarks and service marks belonging to us or to others appear on or are accessible through this site. The fact that we have permitted you access to this site does not constitute authorization to reproduce our trademarks or service marks for any other purpose.
Reproduction and Reuse
Subscribers may make one attributed copy of a document on this site for use within their organization. Otherwise, reproduction or transmission of these materials, whether electronically or in hard copy format to anyone, including your fellow employees, customers or others, is prohibited. None of these materials may be posted on the Internet or on corporate intranets without permission. You may not offer for sale or sell or distribute over any medium any part of this website or its content. You may not make any part of the website available as part of another website, whether by hyperlink framing on the internet or otherwise unless you have been authorized to do so in writing by ASC Technologies.
The website and all present and future copyright, trademarks, and other intellectual property rights relating to the website are vested in ASC Technologies. You acquire no rights in the website other than the limited right to use the website in accordance with the terms. You agree to protect the proprietary rights of ASC Technologies and its licensors and agree to promptly notify ASC Technologies in writing (contact details below) upon becoming aware of any unauthorized access or any use of the website that infringes upon any proprietary rights.
All trademarks, services marks, trade names, logos, and icons are proprietary to ASC Technologies. Nothing contained on the website should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any trademark displayed on this website without the written permission of ASC Technologies. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
Changes to the Website
HR & Benefits Essentials may correct any errors or omissions or change the format or content of the site at any time.
Illegal Activity
If you access or use any information on this web site and by doing so, you break any law, HR & Benefits Essentials will not be responsible.
Changes to Terms and Conditions
These terms and conditions are subject to change without notice and at any time. While visiting the web site you agree to be bound by the current terms and conditions and you should always check them each time you revisit the site.
Communicating with Us
You may send us email. However, if you communicate with us, you should not send us confidential or sensitive information via email because your communication will not be treated as privileged or confidential. If you communicate with us by email, you should note that the security of internet email is uncertain. By sending sensitive or confidential email messages you accept the risks of such uncertainty and possible lack of confidentiality over the internet.
Phone: 203-977-8100 ext. 2
support@aschq.com
In accordance with Treasury Department Circular 230, materials on this website and communication with the publisher or the authors of these materials are not to be considered a “covered opinion” or other written tax advice and should not be relied upon for IRS audit, tax dispute or other purposes.
Links and Internet Resources
This Website (excluding linked sites) is controlled by ASC Technologies from its offices within the State of Connecticut, United States of America. It can be accessed from all 50 states, as well as from other countries around the world. As each of these jurisdictions has laws and regulations that may differ from those of Connecticut, by accessing this website both you and the publisher agree that the statutes and laws of the State of Connecticut, without regard to conflicts of laws principles thereof, will apply to all matters relating to use of this website. In the case of a dispute, you and ASC Technologies agree to submit to the exclusive personal jurisdiction and venue of Connecticut with respect to such dispute.
This website contains links to other resources on the Internet. The links are provided solely as aids to assist you to locate other Internet resources that may be of interest. They are not intended to state or imply that the publisher is affiliated or associated with such linked sites. The publisher does not necessarily endorse, and is not responsible for, any third-party content that may be accessed through this website.
Privacy Policy
We are committed to respecting your privacy with the information you entrust with us.
Cookies
We use cookies only if you request the "Remember me" function during your login - and only to remember your login information. We do NOT collect or use or otherwise share the information from cookies. We do NOT release your name or any information pertaining to you to other organizations not affiliated with us.
Personal Use and Site Licenses
By accessing this site, you agree to use it for your personal research and reference purposes only (either for the benefit of yourself or for the benefit of your employer). You agree that you will not disclose your password to anyone else, nor otherwise permit anyone to gain unauthorized access to the non-public areas of our site. Multiple-user site licenses can be obtained by contacting us.
Termination of Site and Site Access
We reserve the right to change the contents of this site or to discontinue it at any time. We reserve the right to deny access to the site to any person or organization that we believe may be using the site for an unlawful or unauthorized purpose or in a manner that may harm us.
Program terms and conditions, features and service options are subject to change without notice.Please Note: The information and materials provided on this site are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters. The information provided and the opinions expressed are those of the author(s) and not necessarily those of HR & Benefits Essentials. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. Your situation may involve Federal, State or local laws, and/or application of your Plan documents, Employee Handbook or other company policies.
We provide references and links to websites not affiliated with HR & Benefits Essentials as a service to our subscribers. While we believe these sites to contain valuable information, we cannot attest to the accuracy of information provided by these links or any other linked site. Providing these links does not constitute an endorsement of the sponsors of the site or the information or products presented therein. Also, be aware that the privacy protection provided on HR & Benefits Essentials may not be available at the external link. Kindly refer to the Terms of Use, Privacy and other information on all sites visited. Use of this site constitues your agreement to abide by our Terms of Use and respect our Copyrights.