b'BUSINESSBUSINESSalentemployees(FTEs)tooffer is sponsored by healthinsurancewithmandated levels of coverage. If you do not provide coverage you will be charged a penalty, said Julie Stich, Associate Vice President MAPEIs KeraflexSuper polymer- ofContentattheInternational enrichedmortarprovidesoutstand- FoundationofEmployeeBenefit ing transfer of mortar to tile backs Plans(IFEBP),Brookfield,Wis. while retaining impressive non-sag/ AndtheIRShasalreadystarted non-slumppropertiescreatingasending penalty letters.high-bond adhesion strength perfectWhile employers with fewer than for large-and-heavy tiles. 50FTEsarenotrequiredtooffer Propertiesoftheextra-smoothany coverage, they may decide to mortar,whichusesHighTransfer Technology, include: dosotoretaintheircompetitiveIdealforedge-levelingclipposition as employers of choice for applications top performing workers. Water- and frost-resistantHighresistancetofreeze/thawShare costsconditions Easy to trowel, requiring 70% lessRisinghealthcarecosts,of effortandreducingapplicationcourse, can erode the bottom line. times Employersarestemmingthetide Designedforinteriororexteriorbyaskingemployeestoshoulder useonfloorsandwalls,overply- moreofthepremiums.Todays wood and a variety of membranes, whenitcomestotile,thisversa- employees experience a significant tile mortar has your back covered.dentintheirtake-homepayasa www.mapei.com. resultofhealthinsurancepremi-ums, said Drew Altman, President andCEOofKaiser.Theircost sharing has been rising much faster than their wages.Of the total premiums of $20,576 forfamilycoveragein2019, employeespickedupanaverage of30%,accordingtotheKaiser survey. Theyalsomustsharethe costs incurred when utilizing med-icalservices. Theaverageannual deductible for single coverage was $1,655in2019.Thatrepresents an increase of 36% over the past 36TileLetter | April 2020'