--- title: Quick Q&A description: Our quick question and answer series provides answers to not-so-common benefits, insurance and HR questions, and links to helpful resources. image: https://insights.bukaty.com/hubfs/Quick%20Q%26A%20header%20for%20linkedin%20(2).png --- Open main menu Close main menu [![Bukaty New logo (2015) full color (29)](https://insights.bukaty.com/hs-fs/hubfs/Bukaty%20New%20logo%20(2015)%20full%20color%20(29).png?width=278&height=100&name=Bukaty%20New%20logo%20(2015)%20full%20color%20(29).png "Bukaty New logo (2015) full color (29)")](https://www.bukaty.com/) - [About Us](https://www.bukaty.com/about-us) - [Become a Partner](https://www.bukaty.com/become-a-partner) - [Contact](https://www.bukaty.com/contact-us) - [EMPLOYEE BENEFITS](https://www.bukaty.com/employee-benefits) - [STRATEGIC PLANNING](https://www.bukaty.com/employee-benefits-pages/strategic-planning) - [DATA ANALYTICS](https://www.bukaty.com/employee-benefits-pages/data-analytics) - [PHARMACY COST CONTROL](https://www.bukaty.com/employee-benefits-pages/pharmacy-cost-control) - [DISEASE MANAGEMENT & WELLNESS](hhttps://www.bukaty.com/employee-benefits-pages/disease-management-wellness) - [TECHNOLOGY INTEGRATION](https://www.bukaty.com/employee-benefits-pages/technology-integration) - [EMPLOYEE ENGAGEMENT](https://www.bukaty.com/employee-benefits-pages/employee-engagement) - [WORKSITE & INTERNATIONAL BENEFITS](https://www.bukaty.com/employee-benefits-pages/worksite-and-international) - [BUSINESS & PERSONAL INSURANCE](https://www.bukaty.com/business-and-personal-insurance) - [BUSINESS INSURANCE](https://www.bukaty.com/business-and-personal-insurance/business-insurance) - [PERSONAL INSURANCE](https://www.bukaty.com/business-and-personal-insurance/personal-insurance) - [HR CONSULTING](https://www.bukaty.com/hr-consulting) - [PROJECT WORK](https://www.bukaty.com/hr-consulting-pages/project-work) - [TRAINING](https://www.bukaty.com/hr-consulting-pages/training) - [RECRUITING](https://www.bukaty.com/hr-consulting-pages/recruiting) - [HR PLACEMENT](https://www.bukaty.com/hr-consulting-pages/hr-placement) - [HR CONCIERGE](https://www.bukaty.com/hr-consulting-pages/hr-concierge-service) - [COMPLIANCE](https://www.bukaty.com/compliance) - [COMPLIANCE ✔](https://www.bukaty.com/compliance-pages/compliance-check-audit) - [AFFORDABLE CARE ACT (ACA)](https://www.bukaty.com/compliance-pages/affordable-care-act) - [BENEFIT ADMIN](https://www.bukaty.com/benefit-administration) - [HSA](https://www.bukaty.com/benefit-administration-2/health-savings-account-hsa) - [HRA](https://www.bukaty.com/benefit-administration-2/health-reimbursement-arrangement) - [FSA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account) - [COBRA](https://www.bukaty.com/benefit-administration-2/cobra-administration) - [COMBINED BILLING](https://www.bukaty.com/benefit-administration-2/combined-billing) - [PAYROLL/ACCOUNTING](https://www.bukaty.com/payroll-accounting-3) - [PAYROLL ADMINISTRATION](https://www.bukaty.com/payroll-accounting-2/payroll-administration) - [TIME AND ATTENDANCE](https://www.bukaty.com/payroll-accounting-2/time-and-attendance) - [HUMAN RESOURCE CAPABILITIES](https://www.bukaty.com/payroll-accounting-2/human-resource-capabilities) - [ACCOUNTING SERVICES](https://www.bukaty.com/payroll-accounting-2/accounting-services) - [Employee Benefits](https://www.bukaty.com/employee-benefits) - [Strategic Planning](https://www.bukaty.com/employee-benefits/strategic-planning) - [Data Analytics](https://www.bukaty.com/employee-benefits/data-analytics) - [Pharmacy Cost Control](https://www.bukaty.com/employee-benefits/pharmacy-cost-control) - [Disease Management & Wellness](https://www.bukaty.com/employee-benefits/disease-management-wellness) - [Technology Integration](https://www.bukaty.com/employee-benefits/technology-integration) - [Employee Engagement](https://www.bukaty.com/employee-benefits/employee-engagement) - [Worksite & International Benefits](https://www.bukaty.com/employee-benefits/worksite-and-international) - [Business & Personal](https://www.bukaty.com/business-and-personal-insurance) - [Business Insurance](https://www.bukaty.com/business-and-personal-insurance/business-insurance) - [Personal Insurance](https://www.bukaty.com/business-and-personal-insurance/personal-insurance) - [HR Consulting](https://www.bukaty.com/hr-consulting) - [Project Work](https://www.bukaty.com/hr-consulting-pages/project-work) - [Training](https://www.bukaty.com/hr-consulting-pages/training) - [Recruiting](https://www.bukaty.com/hr-consulting-pages/recruiting) - [HR Placement](https://www.bukaty.com/hr-consulting-pages/hr-placement) - [HR Concierge](https://www.bukaty.com/hr-consulting-pages/hr-concierge-service) - [Compliance](https://www.bukaty.com/compliance) - [Compliance ✔](https://www.bukaty.com/compliance-pages/compliance-check-audit) - [Affordable Care Act (ACA)](https://www.bukaty.com/compliance-pages/affordable-care-act) - [Benefit Admin](https://www.bukaty.com/benefit-administration) - [HSA](https://www.bukaty.com/benefit-administration-2/health-savings-account-hsa) - [HRA](https://www.bukaty.com/benefit-administration-2/health-reimbursement-arrangement) - [FSA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account) - [COBRA](https://www.bukaty.com/benefit-administration-2/cobra-administration) - [Combined Billing](https://www.bukaty.com/benefit-administration-2/combined-billing) - [Payroll/Accounting](https://www.bukaty.com/payroll-accounting) - [Payroll Administration](https://www.bukaty.com/payroll-accounting-2/payroll-administration) - [Time and Attendance](https://www.bukaty.com/payroll-accounting-2/time-and-attendance) - [Human Resource Capabilities](https://www.bukaty.com/payroll-accounting-2/human-resource-capabilities) - [Accounting Services](https://www.bukaty.com/payroll-accounting-2/accounting-services) ![QuickQA](https://insights.bukaty.com/hs-fs/hubfs/QuickQA.png?width=1000&height=289&name=QuickQA.png "QuickQA") # Even the most experienced business owners and HR pros have questions from time to time. Our Quick Q&A series provides answers to not-so-common questions and links to helpful resources. ![EEOC Guidance revision on arrest and conviction records](https://insights.bukaty.com/hubfs/EEOC%20Guidance.jpg) ### [Does the EEOC's recission of enforcement guidance for arrest and conviction records change any employer obligations during the hiring process?](https://insights.bukaty.com/quick-qa/eeoc-recission-of-enforcement-guidance-arrest-and-conviction-records-employer-obligations) **A:** No, the Equal Employment Opportunity Commission's (EEOC's) [recent decision](https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fshared.outlook.inky.com%2Flink%3Fdomain%3Dnam12.safelinks.protection.outlook.com%26t%3Dh.eJxNlGuvokgQhv_K5CTOp9UDTQPdk0x2QVRQkeMFQb8Q2m6ucpGLCpv974tnZncmKbrpt56qIkWq_35rq-vbty9vUdOU9bf399zPeDCp_YBd4zytJ2VVNOzSxEU-KdrmWhTp5FJk738OYd8_Y0aCMgLzwerIrxj9nxqiuxc6eF6ZRsKcFpkf5yNBY8N-nZA29ZufiNQMcjRhy-eGS9uPLFPs531xN3OdmHkEK_S8KQPtWkYB9yExvIt63mksdNYHGcs-yc5y3u698ZkPauS1Zt6IWXlcNQFYV1ngIu9-tQKp7kEpHRKpZalvk1szc70eqqnGLbUggWJ_M-wzaJ_z2e4jJdvkYZF4u4Jg3di7gsN5t0j9ev4RUY1LSHps-nw1C1zAPLjcL5vEOR2jhd2EQFOWt8Nip3dnGpU1RyNYHnyfag9JeS6dmPHq5q6P2xk5i9unmyZ3fEr3p02C74UQVtPHeJfKd2pXm5NptVavM7TydxbV1eoAneZqt-Ms9t3-bjWbkD-KutUcUuzwXR12en0iZunE3ErpYUDATZYeSLxOrQZoa5ql5VmMWe-zs7A80rY5xiFZyZVQhGmFxrd1I7lb3LSb5bFIpytRva2RjMNqOVOE_TWz8kO2gIJ01bSZE0T8JV2IJ3lRPlahWWiOuqO1Vs9004GJ2i86L2r32mFtlzUChldWtmqk-ONoSmW2mIJUceLyumkyuBc1Hxe1tptZ6lhoZ7JpoQiuWvDsizWHK4ty-M6XxwRDD25uAaeTi2cx7BZO3nn3xK2wUXJkfzH61fbwYWibc96eF5qSbVq2LTc7Kw776VJVCqUHa-tgklkhIjyuef0qO65EXJR83MG256WkEzDmy4BUnqdY_elZXCbmbDs1BnK_vthxV0LLRtI5img_5mbThkN9z5c-UkCK0JYlUaDEKhc6QqHT4EFRybpGTedeV7el6cm42UxjnWjr_dJa6AEJv1K_8b9z4kiecmBYGPGHaWlGkPttPOSpDH0oXgjlmYQgzweY-IhDNBB87DMf8QNCIZUBL0KZGxYEZV_k5YAHAA8hDIn-gLwwbngkAQMMeQ4DjkeiIAsvh52nefHIh7eDMy_J4lwTgSLWLefEVTlm89FlkcZWvuuoY9fG9RRbsfFYJ0prasrDnBqDpgza0vUd2JvxcE7nlpEU8We-Tz-1h3MXbIdhf9mPr_lhX-vPTlR4uC_UwM4d4VLojZvtevew3bRP4egLorGDoTQA8QioFT6k5Hka8nytWM2qO6Pfubc_vrylr-vsR_fGQ_dKP49Z_X5hNCtyWhf5X786-w4IjwgDIg4YocKFyhSjgDIsBgzwBIB3XsYC4qEIxQmEPBrG4VWCvUr8_FW_pXu56K_q_0nxIPH__AsmvcQs.MEYCIQDteBlVvoZ5shbjF6QsKjL9ZapPSiRWzqrGGF1F60polQIhALH8ZChCSv19FCK2yfFCY9QCDCKanalcm55mo_HJUUFK&data=05%7C02%7Cebalint%40bukaty.com%7C125a98313ce941b5382b08df3a9bec90%7Cd4d7215470154847a517f1229e68e85a%7C1%7C0%7C639294113527692668%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=f6iF9pCaOkq0ZBQbp3XmPwlDoLzxsECLOEAujK%2BhEmM%3D&reserved=0) to rescind 2012 enforcement guidance does not eliminate employer obligations under Title VII of the Civil Rights Act, or other applicable background check laws. Employers may still consider criminal history when making hiring decisions but cannot discriminate based on protected characteristics or apply screening policies that create unlawful discrimination. [Read More](https://insights.bukaty.com/quick-qa/eeoc-recission-of-enforcement-guidance-arrest-and-conviction-records-employer-obligations) ![What happens if an employee misses the deadline to enroll in benefits](https://insights.bukaty.com/hubfs/AdobeStock_1040677133.jpg) ### [What happens if an employee misses the deadline to enroll in benefits?](https://insights.bukaty.com/quick-qa/what-happens-if-an-employee-misses-the-deadline-to-enroll-in-benefits) **A:** Employees who miss their benefits enrollment deadline typically must wait until the next open enrollment period to enroll in or make changes to their health plan... [Read More](https://insights.bukaty.com/quick-qa/what-happens-if-an-employee-misses-the-deadline-to-enroll-in-benefits) ![How can we make open enrollment easier for our employees this year](https://insights.bukaty.com/hubfs/AdobeStock_726620104_QA.jpg) ### [How can we make open enrollment easier for our employees this year?](https://insights.bukaty.com/quick-qa/how-can-we-make-open-enrollment-easier-for-our-employees-this-year) **A:** Successful open enrollment periods start with a simplified process for employees. The right enrollment platform, paired with the right support, can make all the difference.  [Read More](https://insights.bukaty.com/quick-qa/how-can-we-make-open-enrollment-easier-for-our-employees-this-year) ![What's the difference between self-funded and fully insured plans](https://insights.bukaty.com/hubfs/AdobeStock_581129919_selfvsfully.jpg) ### [What's the difference between self-funded and fully insured?](https://insights.bukaty.com/quick-qa/whats-the-difference-between-self-funded-and-fully-insured) **A:** The main difference between self-funded and fully insured health plans is who pays claims costs and assumes financial risk. [Read More](https://insights.bukaty.com/quick-qa/whats-the-difference-between-self-funded-and-fully-insured) ![Excepted benefits bridging employee benefits](https://insights.bukaty.com/hubfs/AdobeStock_272264501_Excepted%20benefits.jpg) ### [What are excepted benefits, and why are they important to my overall benefits strategy?](https://insights.bukaty.com/quick-qa/what-are-excepted-benefits-and-why-are-they-important-to-my-overall-benefits-strategy) **A:** Excepted benefits are employee benefits that are exempt from certain Affordable Care Act (ACA) and HIPAA requirements. These benefits are designed to supplement traditional group health plan coverage, giving employers greater flexibility in plan design while helping employees manage out-of-pocket healthcare costs and financial risk.  [Read More](https://insights.bukaty.com/quick-qa/what-are-excepted-benefits-and-why-are-they-important-to-my-overall-benefits-strategy) ![Injured worker standing in front of a desk with a sling on his arm](https://insights.bukaty.com/hubfs/AdobeStock_248586955WorkersComp.jpg) ### [We had an employee get injured on the job, but the employee declined medical treatment. Are we obligated to report it to our workers' compensation carrier?](https://insights.bukaty.com/quick-qa/workers-comp-medical-treatment-declination) **A:** When a workplace injury occurs it’s important to properly document and report the incident, even if the employee chooses not to seek medical care. Follow best practice and report the incident to your workers’ compensation carrier as a record-only claim. This helps protect your organization if the employee later decides to seek care and prevents potential issues with late reporting.  [Read More](https://insights.bukaty.com/quick-qa/workers-comp-medical-treatment-declination) ![Employe labor laws document with wooden gavel on top](https://insights.bukaty.com/hubfs/AdobeStock_1257177019%20(1)_EmployementLaborLaw.jpg) ### [Is there an efficient way to identify what laws impact our business?](https://insights.bukaty.com/quick-qa/is-there-an-efficient-way-to-identify-what-laws-impact-our-business) **A:** It can be overwhelming to track the flurry of new leave laws, pay transparency requirements, disability protections, and religious accommodations. Even when internal resources are assigned to monitor the legislative landscape, it’s easy to miss a change. Professional HR associations, such as the [Society for Human Resources Management](https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.shrm.org%2F&data=05%7C02%7Cebalint%40bukaty.com%7C77e2d8718bf1433c993d08de5f911807%7Cd4d7215470154847a517f1229e68e85a%7C0%7C0%7C639053274039983263%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=cuLQ%2Foien9QwgcYUaXBZ0Cvv1iJekPbYdnoqCJAm8O8%3D&reserved=0), have searchable resources and newsletters that provide trustworthy information. But again, it requires a healthy time commitment to stay current. [Read More](https://insights.bukaty.com/quick-qa/is-there-an-efficient-way-to-identify-what-laws-impact-our-business) ![Person at laptop with lock icon overlay, representing website access](https://insights.bukaty.com/hubfs/AdobeStock_573528232WebADA.jpg) ### [Does cyber liability insurance cover ADA-related website accessibility lawsuits?](https://insights.bukaty.com/quick-qa/does-cyber-liability-insurance-cover-ada-related-website-accessibility-lawsuits) **A:** No, business cyber liability policies do not provide protection for Americans with Disabilities Act (ADA) website accessibility violations.   [Read More](https://insights.bukaty.com/quick-qa/does-cyber-liability-insurance-cover-ada-related-website-accessibility-lawsuits) ![Woman sitting at a laptop reviewing numbers](https://insights.bukaty.com/hubfs/AdobeStock_1541375196_plan%20compliance.jpg) ### [What are the employee benefits-related numbers and thresholds we need to know going into 2026?](https://insights.bukaty.com/quick-qa/what-are-the-employee-benefits-related-numbers-and-thresholds-we-need-to-know-going-into-2026) From contribution limits to carryover amounts, we’ve compiled an easy reference sheet for noteworthy numbers impacting 2026 employer benefit plan compliance. [Read More](https://insights.bukaty.com/quick-qa/what-are-the-employee-benefits-related-numbers-and-thresholds-we-need-to-know-going-into-2026) ![What questions are most insightful in an employee benefits survey?](https://insights.bukaty.com/hubfs/AdobeStock_566943788_600400.jpg) ### [What questions are most insightful in an employee benefits survey?](https://insights.bukaty.com/quick-qa/what-questions-are-most-insightful-in-an-employee-benefits-survey) Well-designed employee benefit surveys provide valuable feedback to leaders looking to create impactful and appreciated benefit packages. Consider asking questions about  [Read More](https://insights.bukaty.com/quick-qa/what-questions-are-most-insightful-in-an-employee-benefits-survey) - [EMPLOYEE BENEFITS](https://www.bukaty.com/employee-benefits) - [Strategic Planning](https://www.bukaty.com/employee-benefits-pages/strategic-planning) - [Data Analytics](https://www.bukaty.com/employee-benefits-pages/data-analytics) - [Pharmacy Cost Control](https://www.bukaty.com/employee-benefits-pages/pharmacy-cost-control) - [Disease Management & Wellness](https://www.bukaty.com/employee-benefits-pages/disease-management-wellness) - [Technology Integration](https://www.bukaty.com/employee-benefits-pages/technology-integration) - [Employee Engagement](https://www.bukaty.com/employee-benefits-pages/employee-engagement) - [Worksite & International Benefits](https://www.bukaty.com/employee-benefits-pages/worksite-and-international) - [HR CONSULTING & TRAINING](https://www.bukaty.com/hr-consulting) - [Project Work](https://www.bukaty.com/hr-consulting-pages/project-work) - [Training](https://www.bukaty.com/hr-consulting-pages/training) - [Recruiting](https://www.bukaty.com/hr-consulting-pages/recruiting) - [HR Placement](https://www.bukaty.com/hr-consulting-pages/hr-placement) - [HR Concierge](https://www.bukaty.com/hr-consulting-pages/hr-concierge-service) - [COMPLIANCE](https://www.bukaty.com/compliance) - [Compliance √](https://www.bukaty.com/compliance-pages/compliance-check-audit) - [Affordable Care Act](https://www.bukaty.com/compliance-pages/affordable-care-act) - [BENEFIT ADMINISTRATION](https://www.bukaty.com/benefit-administration) - [HSA](https://www.bukaty.com/benefit-administration-2/health-savings-account-hsa) - [HRA](https://www.bukaty.com/benefit-administration-2/health-reimbursement-arrangement) - [FSA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account) - [COBRA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account) - [Combined Billing](https://www.bukaty.com/benefit-administration-2/combined-billing) - [PAYROLL & ACCOUNTING](https://www.bukaty.com/payroll-accounting-3) - [Payroll Administration](https://www.bukaty.com/payroll-accounting-2/payroll-administration) - [Time & Attendance](https://www.bukaty.com/payroll-accounting-2/time-and-attendance) - [Human Resource Capabilities](https://www.bukaty.com/payroll-accounting-2/human-resource-capabilities) - [Accounting Services](https://www.bukaty.com/payroll-accounting-2/accounting-services) - [BUSINESS & PERSONAL INSURANCE](https://www.bukaty.com/business-and-personal-insurance) - [Business Insurance](https://www.bukaty.com/business-and-personal-insurance/business-insurance) - [Personal Insurance](https://www.bukaty.com/business-and-personal-insurance/personal-insurance) - [ABOUT US](https://www.bukaty.com/about-us) - [WHY BUKATY COMPANIES](https://www.bukaty.com/why-chose-bukaty) - [CAREERS](https://www.bukaty.com/careers) - [CONTACT US](https://www.bukaty.com/contact-us) - CORPORATE HEADQUARTERS - 4601 College Blvd., Suite 100, 200 - Leawood, KS 66211 - Benefits phone: 913.345.0440 - P&C phone: 913.951.2400 Follow us on Facebook Follow us on LinkedIn Follow us on Instagram