Lighting the Way for Your Employee Benefits, Business Insurance & HR Success!
Welcome to our Downloads Page, full of great resources on a wide variety of Employer/Employee related categories.
Please check back often, we will keep adding to this page as more of our Downloads become available.
If you have any questions, do not hesitate to contact us.
2025 Employee Benefits Market Outlook
Download this 2025 Employee Benefits Market Outlook, which explores critical concerns in the employee benefits sector and prepares employers to tackle key issues that are likely to define 2025.
Employers will need to be both strategic and adaptable in addressing the challenges ahead. As always, BeaconPath, Inc. is ready to assist. If you’d like to discuss employee benefits for your organization or would like a free policy review, schedule an executive meeting with BeaconPath today by emailing your information and availability to: info@beaconpath.com.
We will work with you to create a customized employee benefits and education package that will meet the needs of your business. At BeaconPath, we are more than insurance providers; we are your strategic partners in risk management, HR solutions, and employee benefit compliance.
Form I-9 and E-Verify HR Toolkit
Form I-9 requirements impact ALL U.S. employers, making compliance crucial.
To comply with federal law, employers must verify the identity and employment authorization of each individual they hire by completing and retaining the Employment Eligibility Verification form (Form I-9).
Employers can use this informational 66-page HR toolkit to establish Form I-9 and E-Verify procedures, help achieve Form I-9 compliance, better understand the legal and regulatory landscape, reduce the risk of audits and fines, and explore options to improve Form I-9 efficiency.
Your people don’t have time, BeaconPath can help!
We encourage you to schedule an executive briefing to learn more about the personalized approach BeaconPath takes to understand your company, its specific needs, and the solutions we offer to fortify your business.
Affordable Care Act: 2025 Compliance Checklist
Changes to some ACA requirements will take effect in 2025 for employers sponsoring group health plans such as new limits on cost sharing and an increased affordability percentage.
Employers should ensure that their health plan documents, including the summary of benefits and coverage (SBC), are updated to reflect any new plan limits and that up-to-date information is also communicated to employees at open enrollment time.
To prepare, employers can download this ACA 2025 Compliance Checklist to review these ACA requirements and develop a compliance strategy.
CA Employment Laws Effective January 1, 2025
Most new bills in California become effective on January 1 of the following year once approved by the state Legislature and the state governor (though some exceptions are possible for emergency measures and when the bills specifically appoint a different effective date).
This Legal Update provides an overview of labor and employment laws California adopted throughout 2024. Don't risk noncompliance:
2025 Live Well Planner
The 2025 Live Well Planner is designed to make living a healthy lifestyle easier. It features healthy recipes and various articles on exercise, diet and overall wellness, and provides space for organizing daily and weekly agendas, planning meals or logging workouts.
Download your free copy today:
California – Model Written Workplace Violence Prevention Plan for General Industry (Non Healthcare)
Download this model Workplace Violence Prevention Plan (WVPP) that has been prepared by CAL/OSHA for use by California employers in general industry settings.
This model plan is a fillable template that employers must complete and is intended to help employers develop a separate, stand-alone Workplace Violence Prevention Plan (WVPP).
*California’s Workplace Violence Prevention Law, was amended to require a written plan, incident logs and employee training, starting July 1, 2024.
Injury & Illness Prevention Program (IIPP)
The California Occupational Safety and Health Administration (Cal/OSHA) requires every employer to develop and implement an effective Injury and Illness Prevention Program (IIPP).
IIPP requirements are designed to improve safety and health in an employer’s workplace. Having an IIPP can also reduce an employer’s risks and costs.
Download and complete this sample Injury and Illness Prevention Program which establishes procedures employers can implement to prevent work-related injuries and illnesses at their facilities.
Designing Workplace Wellness Programs Checklist
Workplace Wellness Programs must be carefully structured to comply with applicable state and federal laws.
The three main federal laws that impact the design of wellness plans are:
1. The Health Insurance Portability and Accountability Act (HIPAA);
2. The Americans with Disabilities Act (ADA); and
3. The Genetic Information Nondiscrimination Act (GINA).
This checklist provides a step-by-step analysis of the HIPAA, ADA and GINA rules employers should consider when designing Workplace Wellness Programs.
Risk Management Scorecard
Is your organization receiving the support it needs?
Download this People Risk Management Scorecard to find out how protected or vulnerable your business is:
Getting Started with Your Workplace Safety & Health Program
Safety and health programs are about promoting positive wellbeing for your employees as well as preventing injury and illness.
Follow the 10 steps in our "Developing a Workplace Safety & Health Program" infographic to develop a program for your organization.
And, if you need some help getting started on a strategy for your business, click HERE to download our free 10 page checklist, designed for general industry employers, providing best practices for implementing Workplace Health and Safety programs.
Developing a Benefits Communication Program
Consistent communication to employees year-round will increase the likelihood of preventative care usage. And with the right communication, organizations can encourage even the most obstinate employees to take the first step towards a healthier future.
The process of creating and delivering a manageable and effective employee benefit communication program at your organization can be time-consuming, but by following some helpful tips and best practices, you can streamline the success of your program.
Download your copy of our Benefits Insights on "Developing a Benefits Communication Program".
Cyber Security & Cyber Insurance
A successful scam can wreak havoc on your business. Be it a costly data breach with legal consequences, a time-consuming project to restore data, or the embarrassment of public scrutiny when your employee’s or client’s private information is mishandled, cyberattacks have the ability to ruin companies.
To learn more, including simple steps to keep your business secure and other important security tips for your company and employees, download our Cyber Security HR Insights article. Visit our Cyber Insurance page HERE for more cyber security resources including informational blogs, podcasts & downloads.
Infographics, White Papers, Calculators and more...
Complying With the ACA’s Pay-or-Play Rules for 2025
The ACA requires applicable large employers (ALEs) to offer affordable, minimum-value health coverage to their full-time employees (and dependents) or potentially pay a penalty to the IRS. This employer mandate is also known as the “pay-or-play” rules.
Download this checklist which outlines key steps for employers to comply with the pay-or-play rules for 2025.
Employee Benefits Survey
One of the best ways to discover employees’ benefits desires is by asking them.
Employers, share this survey with employees in order to obtain valuable feedback about employee benefit programs. The results will help ensure your provided benefits live up to not only your goals but also meet the needs of your employees.
Open Enrollment - Is Your Organization Prepared?
We know that open enrollment can be a stressful time for you and your employees but, it doesn’t have to be. If planned for in advance, open enrollment can be a positive and rewarding experience.
Effective communication is key to having a successful open enrollment season — especially if you’re holding virtual meetings.
Click HERE to download our Annual Open Enrollment Checklist.
Employee Retention
Businesses across the country are facing employee retention challenges, but your business does not have to be one of them.
Implementing proactive retention strategies is key to maintaining your workforce.
Answer the questions on this Employee Retention Scorecard to determine if your organization has a high turnover risk.
Employee Communication
Sixty percent of companies don't have a long-term strategy for their internal communication. Regardless of how large or small your organization is, it’s critical to have a long-term plan for employee communication.
Use this Employee Communication Strategy Checklist as a suggested step-by-step process of creating and managing a formal employee communication strategy.
Managing Political Conversations & Supporting Employee Voting Rights
Our Quickstart Guide: Managing Political Conversations and Supporting Employee Voting Rights discusses several topics and issues that may arise in the workplace and offers suggestions on how to deal with issues such as:
- Managing Political Conversations
- Employees Wardrobe Issues
- Voting Leave
- Ways to Facilitate Voting
- Voter Education and Civic Engagement
- Manager Guidelines
Pet Insurance
Pet insurance has been a trendy benefit offering in recent years and employers are proactively expanding their voluntary benefits to address these new trends and to meet the needs of a diverse workforce, especially those affected by the COVID-19 pandemic.
Our Benefit Insights article, available for download, lists some reasons to offer pet insurance to your employees and also provides questions to consider asking potential insurance carriers, which may help you select the right provider.
Cyber Security - Securing Your Personal Devices
Cybercriminals can easily target unprotected devices, such as tablets, laptops, and smartphones, in a data breach.
To ensure your information isn’t accessed and exploited by cybercriminals, consider these "Tips for Securing Your Personal Devices".
Social Media Policies in the Workplace - Infographic
Many employers may worry about having too strict of a social media policy for their employees while some may not have a policy in place at all.
If done correctly, employees feel more comfortable making their posts when you have a social media policy that clearly defines your business’s values and expected tone.
We have created a guideline of information regarding Social Media Policies in the Workplace, available for download, that we hope you find beneficial.
Medical Loss Rebate Calculator
Medical Loss Ratio (MLR) is one of the rules the Affordable Care Act came up with to make sure health insurance carriers are using member premium dollars to pay for actual care and claims and other tools for its members.
For individual and small group plans, insurers must spend at least 80% of premium dollars on medical care and health care quality improvements. Large group plans must spend at least 85%. If the medical plans do not spend these threshold amounts, the insurance carriers must reimburse the affected members.
Many MLR Calculators have been created to help assist you in making the determination of how much money needs to be used for each participant/employee. Click the button below to Download one.