Articles
An Employer’s Guide to Evaluating Risk Exposures When Offering Child Care Services
Thursday, September 3, 2020
With various states and counties around the U.S. restricting in-person learning this fall, many parents face difficult decisions on balancing working and child care obligations during COVID-19.
How Employers Should Handle MLR Rebates
Monday, August 31, 2020
Employers who sponsor a fully-insured group health plan may soon be receiving a Medical Loss Ratio (MLR) rebate from their insurers. Self-insured medical benefit plans are not subject to these requirements.
Contractors’ Excess/Umbrella Rates in the Insurance Hard Market
Friday, August 28, 2020
The insurance market, like any other type of supply and demand industry, is cyclical. The cycles are commonly referred to as “soft” and “hard” markets.
Medicare and Employer-provided Health Insurance: Not Always an Ideal Pairing
Wednesday, August 19, 2020
People who know me know that I love wine; I often get asked what is my favorite wine, to which I usually reply that it depends on what I am eating with it.
Care, Custody & (Loss) Control
Thursday, August 13, 2020
When you drive by a construction site, it is awe-inspiring to witness the transformation of materials and equipment being brought in to create something with a whole new shape and meaning to the environment in which it is built.
Why Physician Groups Need Directors & Officers Insurance
Wednesday, August 5, 2020
You have a professional insurance provider that placed all the crucial insurance coverages a healthcare facility or physician group requires.
Supreme Court Ruling – Title VII Nondiscrimination Rules
Tuesday, August 4, 2020
The recent Supreme Court decision in Bostock v. Clayton County (6/15/2020) may require employers to reconsider who is eligible for, and what coverage is available under, employer-sponsored benefits.
2021 “Affordability” Percentage
Monday, August 3, 2020
In Revenue Procedure 2020-36, the IRS increased the affordability percentage from 9.78% to 9.83% for 2021. This percentage determines which applicable large employers may face penalties under §4980H(b) for failure to offer affordable coverage as well as which individuals may qualify for subsidized coverage through a public Exchange.
The Proliferation and Risk Considerations of Mass Timber
Wednesday, July 29, 2020
Living in the Pacific Northwest, it is easy to become immersed in the natural beauty that surrounds us. The rivers, lakes, and vast forest trails…
Business Leaders – The Times They Are A-Changin…
Wednesday, July 22, 2020
In my insurance career of now over 20 years, I have seen many changes; the creation of accountable health networks, the reinvigoration of HSAs/HRAs/FSAs,…
Long-term Care – More Than Just an Executive Benefit
Friday, July 17, 2020
Earlier this year, the economy was outstanding and had been for years. As professionals, we relied on our robust retirement investments to address not only our future income needs,
Supreme Court Ruling – Contraceptive Exemption
Tuesday, July 14, 2020
After several years of debate, the Supreme Court ruled in favor of the HHS final rules allowing for an exemption for employers with a religious or moral objection to providing coverage for contraceptive coverage. The exemption, at least for now, is available to most non-governmental organizations who would prefer not to provide group health plan coverage for contraceptives.
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