Resources

Risks and Responsibilities of Employers in the Winter Season

When we were kids, we often held out hope for snow days in the winter months. As adults, snow days still bring joy, but instead…

Considering Employer Coverage vs. Medicare? Weigh These Pros & Cons

If you are approaching age 65, you are likely aware that your window for Medicare enrollment is opening. “I’ve heard it described as a deluge…

The Benefits Of An Outcomes-Based Wellness Program

The Horton Group strengthened their wellness program, which lowered their overall risk and saved them $1.15M in medical plan costs year-over-year. Executive Summary From sick…

In a Push for Transparency, Requirement Released for Reporting on Medical and Prescription Drug Costs

The Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) provided an interim final rule on Nov. 17, 2021 demanding health…

Fair Employment – Sexual Harassment Prevention and Training Laws

Starting Jan. 1, 2020, all employers in Illinois have been required to provide annual employee training on workplace sexual harassment prevention. Additional information on the…

HHS Announces Increases to Civil Monetary Penalties for MSP, HIPAA, and SBC Violations

The United States Department of Health and Human Services (HHS) has increased the following key penalties affecting group health plans effective November 15, 2021: Medicare…

Texas Religious Employers Exempt from Title VII for Sex-Based Employment Policies

A federal district court in Texas has ruled that businesses with religious owners may be exempt from federal prohibitions against employment discrimination based on gender…

Proposed Rule Would Extend ACA Reporting Furnishing Deadlines

The IRS issued a proposed rule that would extend the annual furnishing deadlines for Sections 6055 and 6056 reporting under the Affordable Care Act (ACA).…

Supplemental Insurance 101: What Medicare Doesn’t Cover

Supplemental insurance plans, often called Medigap policies, can help cover costs that original Medicare doesn’t cover. Original Medicare covers medically necessary benefits and typically medications…

The 4 Questions Employees Will Ask HR Reps About Switching to Medicare

By 2026, about one in three Americans between the ages of 65-74 are expected to be in the labor market, according to data from the…

Snow Safety: What to Do Before the Next Snowfall

When the cold weather approaches, it’s time to start thinking about snow. Snow may look picturesque and peaceful, but it can be dangerous if you…

Mental Health in the Construction Industry

There’s a variety of safety and potential health exposures for construction employers like you to consider at the job site, including falls from height, electrocution…

COBRA Continuation Coverage – Mergers and Acquisitions

COBRA RULES Mergers and acquisitions raise COBRA coverage issues for qualified beneficiaries. The IRS has issued COBRA regulations that address business reorganizations. The seller’s group…

How to Retain Frontline Caregivers in the New Work World

The core connection between senior living operators and their frontline caregivers is that they both personally care and feel gratification for serving the elderly population.…

Getting the Best Insurance Pricing

Insurance carriers get inundated with submissions from more welding & gas companies than they can handle. The key is getting your submission to the top of the…

EEOC Releases New FAQs on Religious Exceptions

The Equal Employment Opportunity Commission (EEOC) issued six new answers on October 25th to frequently asked questions (FAQs) about how employers should handle employee requests…

Safety Programs in a Difficult Labor Market

Employers across the US have faced difficult circumstances during the last 18 months, including labor shortages, disruption in supply chains, changing directives regarding masks and…

The Department of Health and Human Services Issues Answers to Common Questions Regarding Vaccines and HIPAA Privacy

On September 30, the Department of Health and Human Services (HHS) issued a set of frequently asked questions (“the FAQ”) that covered common issues and…

Regulations Issued on Surprise Medical Billing Ban

The Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) jointly released an additional interim final rule outlining further requirements related…

Multifamily Lender Insurance Considerations

When it comes to acquiring and refinancing apartment buildings with values greater than $5 million, the key lenders are often the Agency Lenders (Freddie Mac,…

Non-Profit: Benchmark Report

We developed this report to assist non-profit organization insurance buyers in their purchasing decisions. The report focuses on professional liability, including abuse and molestation, directors and officers…

FMCSA Announces New Mandate for Driver’s Licensing Agencies

The Federal Motor Carrier Safety Administration (FMCSA) published a final rule on October 7, 2021, to mandate state driver’s licensing agencies (SDLAs) to access and…

Struggling with High Turnover in Manufacturing

The manufacturing industry has faced significant challenges as it relates to employee turnover, especially in the last few years. In fact, the turnover rate in…

Be a Gem and Insure Your Jewelry

Jewelry is often gifted to commemorate a special birthday, engagement, milestone, or memory; therefore, it is intrinsically linked to your emotions. High-quality jewelry that is…