Resources

Commercial Bonds

Surety bonds are an essential component of many business transactions, yet they’re often misunderstood. This article aims to dispel these misconceptions and deliver clear, factual…

2022 Q2 M&A Activity Update

Reprinted with permission from WIPFLI Corporate Finance Advisors, LLC The mergers and acquisition (M&A) industry has seen record-breaking numbers in 2021. Recent events (such as…

Best Practices for Nonprofit Board Orientation

The board of directors plays a crucial role in establishing and sustaining the organizational structure of a nonprofit. Given the critical role board members play…

Inflation and Its Impact on 2023 Open Enrollment

Inflation has led many employees to feel financially strained. With open enrollment rapidly approaching, inflation may impact the choices employees make when it comes to…

New Expanded High Deductible Health Plan (HDHP) Safe Harbor for Insulin

By Larry Grudzien, Attorney at Law On August 16, 2022, President Biden signed into law the Inflation Reduction Act of 2022 (IRA) ). One important provision of…

Federal Court of Appeals Blocks ACA Sex Discrimination Rules for Religious Providers

A federal court of appeals blocked the Department of Health and Human Services (HHS) from enforcing specific Section 1557 nondiscrimination rules under the Affordable Care Act…

2022 Medical Loss Ratio Rebates are Coming

Background & Purpose Employers sponsoring a fully-insured group health plan may soon be getting a check from their insurer. This check is a medical loss ratio…

Federal Judge Rules HIV Drug Mandate Violates Religious Freedom

A federal district court in Texas ruled that the Affordable Care Act’s (ACA) requirement that health plans cover HIV pre-exposure prophylaxis (PrEP) without cost-sharing violates…

Court Blocks Removal of “Fertility Awareness-Based Methods” from Preventative Care Contraceptive Guidelines

HIGHLIGHTS Contraceptive Mandate: The ACA requires non-grandfathered group health plans to cover, without cost sharing, the full range of FDA-approved, -granted or -cleared contraceptives and contraceptive…

Hurricane Preparedness Tips

Hurricanes are capable of producing winds in excess of 155 mph and causing catastrophic damage to coastlines and several hundred miles inland. Additionally, hurricanes can…

Dealing with a hit-and-run

Immediate Actions After a Hit-and-Run Ensuring Safety and Assessing the Situation Your primary concern after a hit-and-run incident should be your safety and the safety…

RWI Activity Remains Strong in 2022

By: Mike Richmond, Vice President – Business Insurance The mergers and acquisitions (M&A) industry experienced a robust, record-breaking year in 2021. The total global deal value…

Unique Benefit to Retain Key Employees During the Mergers and Acquisitions Process

By: Alec Wohlever, Vice President Retaining key personnel through a mergers and acquisition (M&A) transaction is critical to ensuring growth and value creation post-close. Mismanaging…

Federal Officials Clarify FAQ’s on Contraceptive Coverage Requirements

The Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) jointly distributed a new set of frequently asked questions (FAQs) regarding…

2023 ACA Affordability Decreases to 9.12%

The IRS issued Revenue Procedure (Rev. Proc.) 2022-34 to index the contribution percentages in 2023 for determining the affordability of an employer’s plan under the…

Affordable Care Act Pay or Play Penalties Will Go Up for 2023

On Aug. 16, 2022, the IRS updated its frequently asked questions (FAQs) on the employer shared responsibility (pay or play) rules under the Affordable Care…

Inflation Reduction Act Contains a Number of Health Reforms

On Aug. 16, 2022, President Joe Biden signed the Inflation Reduction Act into law, aimed primarily at fighting inflation and reducing carbon emissions. It also…

Court Overturns No Surprises Act Dispute Resolution Rules for Air Ambulance Services

Important Dates Dec. 27, 2020: The CAA was signed into law. Sept. 30, 2021: Federal agencies issued an interim final rule on the federal IDR process. Feb.…

Federal Guidance Released: Nondiscrimination in Telehealth

Highlights The ADA may require providers to make reasonable changes to their policies, practices or procedures regarding telehealth services to avoid discriminating on the basis…

Why Builders Risk Insurance is Important

While being involved in the construction process for a new building or structure is exciting, it also carries numerous risks. After all, a wide range…

Why Your Safety Plan Should Address Drug Usage in the Workplace

By: Chris Pfieffer; Team Manager of Horton Safety Consultants The positive drug test rate for U.S. workers has reached its highest level in the last 20 years.…

The Unknowns of the Master Program

As a real estate owner, it is crucial to have a comprehensive and well-structured insurance policy in place to safeguard your valuable assets and investments.…

U.S. Supreme Court Confirms States Can Be Sued as Employers by Private Individuals Under USERRA

The U.S. Supreme Court recently confirmed that states can be sued as employers by private individuals under the Uniformed Services Employment and Reemployment Rights Act…

It’s Time to Prioritize Women’s Safety in the Workplace – Especially in These Three Areas

By: Chris Pfeiffer; Team Manager of Horton Safety Consultants Many female workers have expressed concerns about their physical and mental safety in the workplace. A National…