Resources

CMS Retitles ICHRAs as CHOICE Arrangements

The Centers for Medicare and Medicaid Services (CMS) recently unveiled a new name for individual coverage health reimbursement arrangements (ICHRAs), now referred to as CHOICE…

The Impact of Tariffs and Supply Chain Disruptions

Tariffs are fees levied on imported goods based on factors such as their type, value, quantity and country of origin. U.S. tariffs can shift in…

How Commercial Insurance Applications Impact Your Coverage

When businesses buy commercial insurance, they often focus on limits, deductibles and policy terms. Yet the insurance application is equally important. It is a legal…

Shadow AI and the Risks of Employees Using Unauthorized AI Tools

Artificial intelligence (AI) can help employees summarize documents, analyze data and streamline other routine responsibilities. However, workers may adopt AI tools before their employers can…

Managing Fire Risk Across the Wood Products Supply Chain: From Forest Operations to Combustible Dust in the Plant

Wood products companies do not address fire risk in one place. They manage it across an entire operating system from timberlands and logging sites to…

Staged Accidents Remain a Growing Risk for Fleets Nationwide

Staged accidents continue to present a serious and costly risk for commercial fleets. While recent alerts have pointed to elevated activity in New York and…

Anticipating and Removing Common RWI Exclusions

Representations and warranties insurance (RWI) can protect a buyer against covered breaches, but it is not intended to insure every business risk or diligence gap.…

Why You Should Bind Transactional Insurance at Signing

Binding transactional insurance at signing can reduce uncertainty between signing and closing, but the strategy works only when the policy’s effective date, knowledge standard, exclusions,…

A Practical Guide to Tax Insurance for Mid-Market Deals

Tax insurance can help a buyer or seller manage a discrete tax uncertainty that might otherwise affect price, escrow, financing, or the willingness to close…

Managing Cybersecurity Risk for Plan Fiduciaries

The DOL’s Employee Benefits Security Administration (EBSA) has provided guidance to assist plan fiduciaries and recordkeepers in their responsibilities to manage cybersecurity risks. According to…

Medicare Part D Notices Are Due Before October 15

Important Date October 15, 2026: Group health plan sponsors must provide the annual Medicare Part D notices to Medicare-eligible individuals before this deadline. Every year,…

Navigating the 2026 Benefits Renewal Storm

As employers prepare for the 2026 renewal season, many are facing the same challenge: what is driving continued cost pressure, and how can organizations respond?…

Lease Structure in M&A: Where Deals Quietly Win or Lose

When a business is acquired, but the real estate is retained by the seller, the lease agreement becomes one of the most overlooked – and…

Welding & Gas CFO Club Recap August 2026

Thank you to all those who joined the 23rd meeting of the CFO Club! We had 11 participants this month and a great conversation all…

IRS Issues Proposed Rules for Dependent Care FSA Nondiscrimination Testing

On August 11, 2026, the IRS proposed rules addressing nondiscrimination testing requirements for dependent care Flexible Spending Accounts (FSA). This marks the first set of…

Deadline for Employers to Recieve MLR Rebates Is Near

Employers that hold insured group health plans could soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. For 2025, issuers that…

Navigating MLR Rebates

The Affordable Care Act (ACA) established medical loss ratio (MLR) rules to help with controlling health care coverage costs and ensure that enrollees receive value…

Federal Agencies Release FAQs Addressing Main Issues in Health Plan Tobacco Surcharge Lawsuits

On August 26, 2026, federal agencies issued FAQs addressing topics that have been the focus of numerous class-action lawsuits challenging health plan surcharges for tobacco…

What Most People Get Wrong About Benefits Plans

Most people think a benefits plan is mainly about what it costs. That’s the misconception. Employers assume the best plan is the one with the lowest…

Healthcare Industry Trends to Monitor in 2026

Healthcare organizations enter 2026 facing several operational, financial and liability pressures, including labor shortages, inflation, supply chain volatility and the impact of U.S. tariffs on…

Insurance Market Snapshot: What Movers Should Know

As we move through the second half of 2026, we’re seeing encouraging signs across several areas of the commercial insurance marketplace for moving and storage…

DOL Proposes to Expand Electronic Delivery Methods for Group Health Plan Disclosures

The U.S. Department of Labor’s (DOL) Employee Benefits Security Administration has issued a proposed rule that would establish a new, additional safe harbor for group…

EBSA Announces Agenda Outlining Upcoming Regulatory Actions

On July 3, 2026, the Trump administration issued its 2026 Regulatory Plan and Unified Agenda of Regulatory and Deregulatory Actions (Agenda), identifying its significant regulatory…

The Value of Surety Bonds

The way in which project owners evaluate and manage risks on construction projects, and make fiscally responsible decisions to ensure timely project completion, is crucial…