2016 Arizona Minimum Wage Laws

                            Commission announces Arizona minimum wage for 2016

Minimum Wage Information for Calendar Year 2016

Effective January 1, 2016, Arizona’s minimum wage will be $8.05 per hour. As of this date, every employer covered under the Act will be required to pay each employee wages not less than this amount.

Click on a link below to:

          Download the AZ State Minimum Wage Poster for 2016 (English)
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Minimum Wage Laws

Wages and Hours – U.S. Department of Labor – www.dol.gov

The act is administered by the Wage and Hour Division. It requires employers to pay covered employees who are not otherwise exempt at least the federal minimum wage and overtime pay of one-and-one-half-times the regular rate of pay. For nonagricultural operations, it restricts the hours that children under age 16 can work and forbids the employment of children under age 18 in certain jobs deemed too dangerous. For agricultural operations, it prohibits the employment of children under age 16 during school hours and in certain jobs deemed too dangerous.

Every employer of employees subject to the Fair Labor Standards Act’s minimum wage provisions must post, and keep posted, a notice explaining the Act in a conspicuous place in all of their establishments so as to permit employees to readily read it. The content of the notice is prescribed by the Wage and Hour Division of the Department of Labor. This approved copy of the minimum wage poster has been made available for informational purposes or for employers to use as posters.

Minimum Wage Laws in the following States – January 1, 2016

If an employee is covered by federal and Colorado state minimum wage laws, then the employer must pay the higher minimum wage. Federal minimum wage is currently $7.25 per hour, which is lower than the Colorado state minimum wage of $8.31. Therefore, based upon current information, covered employers in Colorado will have to pay their employees the higher value of $8.31 per hour under Colorado law beginning January 1, 2016.

Minimum Wages for Tipped Employees in the following States – January 1, 2016

If an employee is covered by federal and Colorado state minimum wage laws, then the employer must pay the higher minimum wage for tipped employees. Federal tipped minimum wage is currently $2.13 per hour, which is lower than the Colorado tipped minimum wage of $5.29 per hour. Therefore, based upon current information, covered employers in Colorado will have to pay their tipped employees the higher value of $5.29 per hour under Colorado law beginning January 1, 2016.

If an employee’s tips combined with the employer’s cash wage of at least $5.29 per hour do not equal the minimum hourly wage, the employer must make up the difference in cash wages.

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OSHA’s Campaign to Prevent Heat Illness in Outdoor Workers

This webpage is part of OSHA’s nationwide outreach campaign to raise awareness among workers and employers about the hazards of working outdoors in hot weather. The educational resources on this website give workers and employers information about heat illnesses and how to prevent them.

When you’re working in the heat, safety comes first. With the OSHA Heat Safety Tool, you have vital safety information available whenever and wherever you need it — right on your mobile phone.

We invite you to join in this effort by helping to reach workers and employers in your community with the resources you will find on this site.

Video – Dr. David Michaels, Assistant Secretary of Labor for Occupational Safety and Health

OSHA is also partnering with the National Oceanic and Atmospheric Administration (NOAA) on weather service alerts. NOAA’s Heat Watch page now includes worker safety precautions when extreme heat alerts are issued.

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Preventive Services Video – Health Reform 101

The Affordable Care Act contains a provision to make certain preventive services available without co-pays, co-insurance or deductibles.

The following information comes compliments of UnitedHealthcare.  This simple video helps explain important topics for understanding the Health Reform Provisions.

Click to View Video


A non-grandfathered group health plan and a health insurance issuer offering group or individual health insurance coverage must provide coverage for preventive care without any cost-sharing requirements.

Preventive care services* include:

All members

  • Yearly preventive medicine visits (Wellness visits)
  • All standard immunizations recommended by the American Committee on Immunization Practices

All members at an appropriate age or risk status

  • Screening for colorectal cancer, elevated cholesterol and lipids
  • Screening for certain sexually transmitted diseases and HIV
  • Screening and counseling in a primary care setting for alcohol or substance abuse, tobacco use, obesity, diet and nutrition
  • Screening for high blood pressure, diabetes and depression

Women’s health

Recently, the Department of Health and Human Services released new health plan coverage guidelines that will require health insurance plans to cover women’s preventive services without charging a copayment, coinsurance or a deductible effective for plans beginning or renewing Aug. 1, 2012, to now include:

  • Well-woman visits
  • Screening for gestational diabetes for all pregnant women
  • Human papilloma virus DNA testing for all women 30 years and older
  • Annual sexually transmitted infection counseling for all sexually active women
  • Annual counseling and screening for HIV for all sexually active women
  • FDA-approved contraception methods, sterilization procedures and contraceptive counseling
  • Breastfeeding support, supplies, and counseling, including costs for renting breastfeeding equipment
  • Domestic violence screening and counseling

The following guidelines were effective for plan years beginning on or after Sept. 23, 2010:

  • Screening mammography and evaluation for genetic testing for BRCA breast cancer gene
  • Screening for cervical cancer including Pap smears
  • Screening for gonorrhea, Chlamydia, syphilis
  • Screening pregnant women for anemia, iron deficiency, bacteriuria, hepatitis B virus, Rh incompatibility
  • Promotion of and counseling for breast-feeding
  • Osteoporosis screening (age 60 and older)
  • Counseling women at high risk of breast cancer for chemoprevention

Men’s health

  • Screening for prostate cancer for men (age 40 and older)
  • Screening for abdominal aortic aneurysm in men (age 65-75)


  • Screening newborns for hearing, thyroid disease, phenylketonuria and sickle cell anemia
  • Standard metabolic screening panel for inherited enzyme deficiency diseases
  • Counseling for fluoride treatment
  • Screening for major depressive disorders
  • Vision screening
  • Screening for developmental/autism screening
  • Screening for lead and tuberculosis
  • Counseling for obesity

*The US Department of Health and Human Services has defined the preventive services to be covered with no cost share as those services described in the United States Preventive Services Task Force A and B recommendations, the Advisory Committee on Immunization Practices (ACIP) of the CDC, and HRSA Guidelines including the American Academy of Pediatrics Bright Futures periodicity guidelines.

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Did you know Medicare stops at the border?

Travel Medical Insurance - International Medical GroupSnorkeling the Great Barrier Reef.  Broken ankle.  Boutique shopping in Paris.  Appendicitis.  Mission work in Ghana.  Malaria.  Teaching English to Chinese students.  Food poisoning.  Developing new business in Saudi Arabia.  Auto accident. 

Traveling or living abroad can be an exciting experience.  But anything can happen.  So you can get the most of your global experience, when the Unexpected occurs, IMG is there for you.

For more than 20 years, we have been providing the Solution for international insurance needs.  It’s our specialty.

Quote/Purchase International Travel Medical Insurance

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Apply Online For Medicare

It’s convenient, quick and easy. There’s no need to drive to a local Social Security office or wait for an appointment with a Social Security representative.

Use the official website of the U.S. Social Security Administration online application to sign up for Medicare. It takes less than 10 minutes. You can apply for Medicare even if you are not ready to retire.

In most cases, once your application is submitted electronically, you’re done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if we need more information. Otherwise you’ll receive your Medicare card in the mail.

Go Online To Apply For Medicare

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Is Your Life in Transition? Healthcare Reform too expensive?…

Discover a short term health plan solution that fits your situation.


Short Term Medical Plans are health plans designed to bridge gaps in coverage for individuals and families in times of transition.1 Because we know that life can change quickly, our short term insurance plans give you the flexibility to drop your coverage at any time without penalty; or apply for another term of coverage.3 Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

  • Recent Grad – Waiting for a new job’s health plan to kick in? Check out your options.
  • Current Student – Whether it’s a car accident or the flu, make sure you’re covered during college.
  • In-between Jobs Health Plans – Perhaps your employee benefits haven’t started. Or maybe your job is seasonal. You have choices.
  • Waiting for Medicare – Retiring early may open a gap in health coverage. Consider a temporary insurance plan.
  • Temporarily Unemployed – A short term health plan can serve as a COBRA alternative. Get details today.2

Temporary insurance plans are usually more affordable than traditional individual health coverage. Take a few minutes to check out our short term insurance quotes and see for yourself! Don’t forget to explore our prescription drug discount cards and prescription drug copay coverage, too.

1 Short term health insurance does not meet minimum essential coverage requirements, meaning signing up for this coverage will result in a tax penalty. 2 Personal insurance is not the same as COBRA, so review your COBRA information carefully. Failure to elect and exhaust COBRA coverage will eliminate HIPAA eligibility. You may have additional rights under state law. 3 Some states excluded. 
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ASPCA® Pet Health Insurance

We know your pets are part of the family. That’s why we want to help you give them the quality veterinary care they deserve with ASPCA Pet Health Insurance.

The cost of veterinary care continues to rise as more sophisticated treatments become available for pets. To help you avoid a tough financial decision about your pet’s health, we’ve chosen to offer ASPCA Pet Health Insurance to help you manage these costs. For less than 50 cents a day,* you can cover your pet for unexpected accidents!

You can also cover your pet for illnesses and even wellness care. With 4 increasing levels of coverage, it’s easy to select the plan that best fits your needs and budget.

 Downloadable PDF Brochure 

With ASPCA Pet Health Insurance, you can:

  • Visit any licensed veterinarian—including specialists—in the U.S. and Canada
  • Save with a 10% multiple pet discount, if you qualify+
  • Submit claims easily and track them online

Best of all, you can feel good about protecting your pet with ASPCA Pet Health Insurance, which was developed by the Hartville Group, Inc. with the ASPCA® to help pet parents afford quality veterinary care so their pets can live longer, healthier lives.

Please call us to learn more about protecting your pet today! You can also visit our weblink to get a free quote and enroll in minutes. Or learn more by calling the friendly pet insurance representatives direct at 1-877-343-5314. Be sure to mention priority code APPLM2A for special assistance!

This is valuable protection for your furry family members, and we encourage you to enroll. We look forward to hearing from you!

*Note: Additional premiums may apply to certain breeds, metropolitan areas and ages.
+Applies to base plan premium, excluding Level 1.
This is not a complete description of all coverage terms, conditions, and limitations; see your plan for a full description. Issuance of coverage is subject to underwriting. Rates and coverage are subject to change.
ASPCA Pet Health Insurance is underwritten by the United States Fire Insurance Company and administered by Petsmarketing Insurance.com Agency, Inc., a subsidiary of the Hartville Group, Inc. The pet insurance programs are offered by the Hartville Group, Inc., not the ASPCA. The Hartville Group, Inc. is a licensed strategic partner of the ASPCA. In exchange for use of the ASPCA® trademarks, the ASPCA is paid a royalty fee of up to 10% of the purchase price, with a minimum of $1.95 million to be recognized over at least three years.
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Experience Rating to Get Back to Basics

ABCs of Experience Rating

I feel the following topic is of importance to all business owners. If you’re interested in staying competitive in today’s economic market, this information can be very useful.  As always, please call or e-mail me if you’d like to learn more.

Access the ABCs of Experience Rating  brochure for a helpful and straightforward explanation.

This brochure offers a detailed explanation of experience rating and how it affects your workers compensation costs. It also explains what data is used in experience rating and how a mod is calculated. Revised in 2016.

You’ll discover essential information, such as:

• Purpose and benefits of experience rating

• How the Experience Rating Plan operates

• Qualification for experience rating

• Definitions of intrastate and interstate modifications

• Types of statuses—Preliminary, Final and Contingent

• How the experience modification affects premium

• Components and calculation of the worksheet

• Ownership changes that affect experience rating

National Council on Compensation Insurance, Inc., based in Boca Raton, FL, manages the nation’s largest database of workers compensation insurance information. NCCI analyzes industry trends, prepares workers compensation insurance rate recommendations, determines the cost of proposed legislation, and provides a variety of services and tools to maintain a healthy workers compensation system.

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