ATP Index can be used alone or incorporated into models that incorporate consumer financial variables. ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.
An overview of our Affordable Care Act Management Essentials Solution for employers.
Does your team have the resources and expertise required to build and maintain a reliable ACA solution to meet clients' demands? Consider a reseller or referral partnership with Equifax, and get the trusted compliance technology and support you and your clients are after.
Learn more about the ACA training packages we offer in this solution overview.
Television ads cost big bucks. That’s why advertisers and their agencies should take advantage of new, more targeted TV ads to better reach their optimal audiences.
Put ACA compliance on autopilot
It is important to make sure that any partner you consider that will handle your employees' personal information has top-notch security.
CaseBuilder Flex integrates easily to most internal unemployment case management programs taking care of the document management flow, and prompting workflow actions and activities, while the employer maintains the provisioning and decisioning of the case load.
Marketers need to connect their digital ad spend to their bottom line. Our proprietary Closed-Loop Attribution measurement solution allows marketers to measure – in a repeatable and turnkey manner – the impact that omni-channel campaigns have on company-specific metrics and revenue, whether the ‘conversion’ was done online or offline.
Email is a key component of an effective omni-channel marketing strategy. Almost all consumers rely on email as one of their primary channels for obtaining the information they need to conduct their daily lives. For marketers, email continues to be an economical and effective channel to connect with consumers.
With onboarding, marketers can reach their offline target audiences in the digital world. Onboarding enables marketers to convert their customer or prospect data in a secure environment to a digital format that can be used for online targeting.
Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.
Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses. DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.
Discretionary Spending Index (DSI) from IXI is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power. Discretionary Spending Index HD can be used to help improve lead generation efforts and model performance, and help uncover potential hidden opportunities among your current customer and prospect database, and is built without the use of age.
Discretionary Spending Index (DSI) from IXI Services is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.
Professional Employer Organizations have many business risks that are unique to the industry. Learn how Equifax can help.
The Fair Credit Reporting Act (FCRA) is a Federal Law that promotes accuracy, fairness and privacy for the data used by Consumer Reporting Agencies (CRAs), including Equifax. Verifications completed through The Work Number service are consumer reports.
Providing verifications of employment can potentially expose employers to many serious legal risks, including liability risk when giving references to other employers, and privacy concerns from leaks of sensitive employee data.
The Work Number delivers an automated income and employment verification solution that streamlines the transfer of information between employers and verifiers, ultimately benefiting the employee by creating a secure and accelerated decision process.
With expert appellate services from Equifax, employers can tap into an experienced, highly-specialized team of representatives who will assist with hearing preparation once a hearing has been scheduled, and also represent your organization at the hearing
Equifax partners with leading providers of consumer marketing lists to help you better reach your optimal prospects as well as to augment your company’s existing customer database. Our list services enable marketers to access key variables for their prospecting and customer marketing efforts.
The federal government mandates that employers report newly-hired and rehired employees to the state in which they work within 20 days. Equifax Unemployment Cost Management streamlines this process for employers by performing multi-state reporting on employers behalf.
The Work Number, a service of Equifax Workforce Solutions, streamlines the transfer of information between employers and verifiers, benefiting the employee-consumer by accelerating the decision process while adding security to the transaction.
The Work Number Direct enables employers to process manual verifications on their time, within a secure system, and with full confidence that the party requesting the verification is a legitimate verifier with a valid permissible purpose
Learn about the most common challenges that may be preventing employers from optimizing their unemployment case management program
Processing claims for more than 6,000 employers nationwide gives Equifax the ability to analyze and identify common process errors that can lead to patterns of failure. Our best practices for 2016 can help employers implement an efficient and effective UCM process.
The nonprofit sector is the third largest employer group in the US, with nearly 11 million employees. Unemployment claims can have an immediate and real financial impact on these employers.
Wage audits are a critical tool for states looking to help reduce improper payments. Yet for many employers, responding to wage audit requests is becoming more cumbersome.
There are a variety of state interpretations on the definition of a pattern of insufficient and untimely claims. This map can help clarify definitions for each state.
Seismic shifts in legislation, philosophy, and funding have created unprescedented changes to employment management in the education sector. Changes can have a trickle-down effect when it comes to separations and managing unempoyment claims and payments.
With the Unemployment Cost Management program from Equifax, employers have access to innovative tools and training libraries to help maximize case management productivity and compliance, while minimizing resource costs and unemployment tax liability.
Unemployment Cost Management from Equifax taps the expertise of our teams and our service heritage to help clients realize maximum efficiency and value from our case management solutions.
In 2011, Federal requirements mandated that states enact UI Integrity legislation to help reduce improper unemployment benefit payments. All states now have legislation in place and many are starting to enforce and assess penalties.
The Department of Labor reports that $12 of every $100 in unemployment benefits are overpaid, creating significant unnecessary costs for employers.
The new Verification Exchange from Equifax leverages the best practices established over the past two decades through The Work Number, the industry-leading verification service in the United States, to deliver the Canadian marketplace a new verification solution
As part of the new Verification Exchange in Canada, an income and employment verification solution similar to The Work Number, Equifax will provide Record of Employment on behalf of employers with Canadian workforce
See how Hard Rock found success managing ACA compliance with Benefitfocus + Equifax.
See how Jackson Healthcare found success managing ACA compliance with Equifax.
See how Staffmark found success managing ACA compliance with Equifax.
See how Temple University found success managing ACA compliance with Equifax.
See how UPS found success managing ACA compliance with Equifax.
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End-to-end ACA compliance and benefits solution
See how Equifax Commercial Services can help
Align Sales, Credit and Collections to speed revenue and reduce risk
See how Gordman's found success managing several key compliance areas with Equifax.
G&A Partners has improved UI Compliance
Meet the next generation of ACA compliance management solutions.
Efficiently target, acquire and manage B2B customers
Share this video with your employees to educate them about the 1095
Providing Hardee's a HR solution center
HR Can Make Money for the Company
Reduce the burden of response and meet wage audit obligations
Delivering Rite Aid with key compliance support
Instant verifications available 24/7
Supporting compliance for employee's sake
Maximize your customer interactions
Streamlining employment verifications for employers and verifiers
I-9 compliance considerations for employers
The Equifax Wage Audit solution is your best solution for wage audit responses
From the moment of first contact through the entire relationship with your business customer, reducing friction and ensuring internal alignment invariably results in a more positive experience for you and your customer.
Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them
In 2009, with unemployment rates nearly double historical norms, UI benefit payments increased significantly and reached an annual high of nearly $80 billion. The effects of this recession continue to impact the unemployment reserves.
Learn how a global freight, shipping, logistics and supply chain management company found the efficient ACA subsidy management and appeal solution it needed from Equifax.
With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.
A national restaurant chain consolidated two predecessor legal entities into a third legal entity and recovered $700K in employment taxes with help from Equifax
A provider of equipment leases needed a way to more appropriately price its' short term loans based on lessee risk. Turning to Equifax for its' small business data and analytical expertise, the lender has achieved impressive results.
Top 30 bank improves customer insight and service with faster access to the latest data
Unemployment Cost Management service from Equifax helped Employer Advantage, a Professional Employer Organization (PEO), manage its clients’ unemployment claims in a more cost-effective manner, with improved lead times and process efficiency.
Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.
To launch its new Small Business banking division, Opus Bank wanted a commercial data provider with the same ‘relationship’ approach to business, as well as the strong mix of industry exclusive data and advanced technology that came with Equifax BusinessConnect
During this webinar, we’ll draw upon our experience helping hundreds of employers manage ACA to share the top 10 things that you need to know to ensure success in 2016.
Join us to hear more about the impact that the ruling will have on employers. We’ll also discuss the complex processes involved in ACA management and best practices around: Data management, IRS reporting, subsidy notifications and more.
Join the Equifax ACA experts as they reveal the top 10 things that employers must know NOW about ACA 1094/1095 reporting and share best practices for avoiding compliance roadblocks.
During this webinar, we'll provide an overview of the subsidy application and appeal processes and how this can translate into IRS fines down the road.
Jeff Taylor of Equifax and Rachel Stevens of Staffmark walk through the “nuts and bolts” of the subsidy process, explain options available to employers when receiving Marketplace notices, and share best practices on handling subsidy appeals. Stevens also shares how she is successfully managing the subsidy process and handling delicate communication with employees whose subsidies are appealed.
Decode IRS reporting and subsidy management for the ACA. See examples of complex employment scenarios and how they play out in terms of 1095-C reporting. Learn best practices for data collection and management, form 1095-C distribution, and subsidy appeals management.
During this webinar, we’ll share ideas for developing an employee education plan for the Form 1095 and best practices for executing on your plan.
During this webinar, we’ll discuss best practices for preparing your data to populate the forms, registering to e-file with the IRS, filing an extension, and maintaining an audit trail to help with fine disputes down the road.
As employers are well aware, time is not on their side at this point – especially if they have not begun putting a process in place to prepare for IRS Reporting. Join our experts as they discuss navigating the murky waters of IRS reporting for the ACA.
Learn about the impact of employee transfers/relocations on SUI taxation, including: when out-of-state (OOS) wage credits are allowed, financial benefits of taking credit for OOS wages, states that do and don’t allow OOS wage and state-specific compliance requirements.
Watch this webinar on-demand to learn more about ACA subsidies, including: How the subsidy notification and appeal process works, real-life examples of challenges that employers have faced, best practices learned from processing subsidies for Equifax clients, how Equifax reduces the administrative burden and compliance risk associated with subsidies, and suggestions for educating and communicating with employees about subsidies.
During this webinar, we'll provide an overview of employers' lessons learned during the first year since the Employer Mandate took effect and how organizations can apply that insight moving forward.
Join the team of Equifax Workforce Solutions ACA experts as they discuss the importance of handling subsidy notifications correctly and what can happen if things go awry.
Get our toolkit of valuable resources to help educate employees on ACA Form 1095, including a communication plan, email templates, a poster, FAQs, and more.
Get the Equifax ACA Subsidy Toolkit for Employers for access to valuable resources to help you manage subsidy appeals, including: - An ACA subsidy FAQ document for employees, - A sample employee education poster, - A best practice guide for benefits and HR staff, and - An ACA subsidy process road map.
BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations
SUI tax rates change year-over-year based on such factors as employer-specific experience, M&A activity, benefit payment inefficiencies, and overall economic conditions.
For SUI tax purposes, employers engaged in M&A transactions must adhere to the SUI tax provisions in each taxing jurisdiction, based on each unique set of facts and circumstances.
What to tell employees and when
Examples of emails that can be sent to employees during specific months to educate them about the 1095.
Frequently asked questions and answers that can be shared with employees about the 1095.
An educational insert that can be mailed with the 1095 to each employee.
A poster that can be used in high traffic areas to educate employees about the 1095.
In February of 2016, New York SUI tax rates will be issued. Their issuance will create three potential savings opportunities for employers: voluntary contributions, joint accounts, and negative write-offs.
Learn about a recent SUTA dumping case and the outcome.
The time gap between when rates can be determined and when rates are actually issued presents a challenge for employers.
Other than a slight decline in calendar year 2013, M&A activity in the U.S. has been trending upward since the Great Depression.
The amount of SUI taxes paid by an employer depends on a variety of factors including economic conditions, an employer's hire/fire practices, the number of claims, and the amounts of benefits.
M&A can significantly influence an employer's SUI tax rates. This month's issue focuses on TOE when an organization undergoes a change involving the movement of employees from one legal entity to another.
SUI tax rate risk can be broken down into two primary components, those that employers can control and those that employers cannot. Learn more about the factors employers can control.