--- 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/hubfs/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. ![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) ![Do we have to purchase labor law posters?](https://insights.bukaty.com/hubfs/AdobeStock_199889529_400600.jpg) ### [Do we have to purchase labor law posters?](https://insights.bukaty.com/quick-qa/do-we-have-to-purchase-labor-law-posters) It isn’t necessary to pay for any requisite labor law postings, as federal and state agencies provide copies at no-cost to employers. However, some employers may find it beneficial to utilize [commercial outlets](https://www.laborlawcenter.com/?utm_campaign=Quick%20Q%26A&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz--qaVr7BWzzj87sQ3JUT4JpTaYvomqCg0bMpbZpe4uqjCqG_7lo9dIUsWC9NsUKoO9DlF9a) that provide consolidated postings for a fee, rather than locate all the required forms separately.  [Read More](https://insights.bukaty.com/quick-qa/do-we-have-to-purchase-labor-law-posters) ![Group of workers representing various job types](https://insights.bukaty.com/hubfs/2025/AdobeStock_65697900QA.jpg) ### [We’re hiring someone to complete a short-term project. Is the worker an independent contractor?](https://insights.bukaty.com/quick-qa/worker-classification-question) Whether or not someone should be classified as an independent contractor depends upon the totality of the relationship. The Department of Labor (DOL) and state and federal courts have issued opinions over the years that have caused confusion for employers. Just recently the DOL’s Wage and Hour Division (WHD) [issued](https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Femail.bukaty.com%2Fe3t%2FCtc%2FDI%2B113%2Fcf9bY04%2FVWS88R1q-C--W75VwHd6xbStqW2ZRfP15y7VcPN861Kzv3qgyTW6N1vHY6lZ3lyW5ys1yV5pFflZW7FGbfD4pSqHzN1cr5RQQkd5KW8l0--38q0B41W6mwRll7MWVBMVrXd2733D8h5W5JHt0J7Pkx_GW2hyXWD56BgMWW1mN3pX2PztxbW6Hbyld6KZvX6W6x11dp5bPmDsW6xKVCM9gHvjFW6V99n635S2L9W6cxjp27Xtr-nW6wfb_z3XqztNN4XC9bDZkqH4N8Cm5W7CMvpkW5m1yQB8RCH3VW5d_7xq2b7cz4W4_q6lC3KlmHgW6jMJpX1Ws0_YW5Hw8Wx1HDXfGf53pwLY04&data=05%7C02%7Cebalint%40bukaty.com%7C3cdc0e8a191c40f48dc008ddb272b6cd%7Cd4d7215470154847a517f1229e68e85a%7C0%7C0%7C638862928006968102%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=7%2B4PTLHj1c3pls63f%2BuXfQ5D6BeFT8t%2BgLaJb3K1Obg%3D&reserved=0&utm_campaign=Quick%20Q%26A&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-_xXwk4OGGzmiogGunfaLCrLc0cUge9r37ratvLN3cpoRoQwx9S_zeo1BKgc17ncrjyvBsC) a field assistance bulletin stating it will reconsider a Biden-era 2024 independent contractor [rule](https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.govinfo.gov%2Fcontent%2Fpkg%2FFR-2024-01-10%2Fpdf%2F2024-00067.pdf&data=05%7C02%7Cebalint%40bukaty.com%7C3cdc0e8a191c40f48dc008ddb272b6cd%7Cd4d7215470154847a517f1229e68e85a%7C0%7C0%7C638862928006994171%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=Gjk5DQagupqZ6VomWcLkhb4b0nSejvkbt5vlpVuQygU%3D&reserved=0&utm_campaign=Quick%20Q%26A&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-_xXwk4OGGzmiogGunfaLCrLc0cUge9r37ratvLN3cpoRoQwx9S_zeo1BKgc17ncrjyvBsC). While the evaluation is underway, employers should consider [seven factors](https://nam12.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.dol.gov%2Fsites%2Fdolgov%2Ffiles%2FWHD%2Ffact-sheets%2Fwhdfs13.pdf&data=05%7C02%7Cebalint%40bukaty.com%7C3cdc0e8a191c40f48dc008ddb272b6cd%7Cd4d7215470154847a517f1229e68e85a%7C0%7C0%7C638862928007009148%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&sdata=YR9%2Bxr06Alc8Zv85xLJ0rA5LKitzFYzXpsJpTuHSU1M%3D&reserved=0&utm_campaign=Quick%20Q%26A&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-_xXwk4OGGzmiogGunfaLCrLc0cUge9r37ratvLN3cpoRoQwx9S_zeo1BKgc17ncrjyvBsC) traditionally upheld by the WHD:  [Read More](https://insights.bukaty.com/quick-qa/worker-classification-question) ![Can I ask a candidate if they are a United States citizen to verify employment eligibility?](https://insights.bukaty.com/hubfs/AdobeStock_302356785_Citizenship_QA.jpg) ### [Can I ask a candidate if they are a U.S. citizen to verify employment eligibility?](https://insights.bukaty.com/quick-qa/asking-candidate-about-us-citizenship) Questions pertaining to a candidate's citizenship status are prohibited, but hiring managers must verify candidates are authorized to work in the United States. Given that it is illegal for employers to hire those not authorized to work in the county, and to ask discriminatory interview questions, hiring managers must toe the line between ensuring job eligibility without breaching any employee protections.   [Read More](https://insights.bukaty.com/quick-qa/asking-candidate-about-us-citizenship) - [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