
Articles
It’s not my responsibility – Insuring Tenant Improvements
Tuesday, November 1, 2011
“It’s not my responsibility” is not what anyone wants to hear as the opening volley between owner and tenant after a catastrophic property loss; it sets the stage for a contentious claims process.
CLASS Act Implementation Suspended by the Obama Administration
Tuesday, October 18, 2011
The Secretary of Health and Human Services, Kathleen Sebelius, released a report to Congress October 14th regarding its analysis of the CLASS Act-the long-term care program passed as part of the Affordable Care Act (ACA).
Insurance Exchanges
Monday, October 10, 2011
The Patient Protection and Affordable Care Act, passed by Congress in 2010, addressed the inability of individuals and small employers to obtain affordable health insurance in the existing markets.
Wellness & Safety equals Healthy Occupational Performance
Monday, October 10, 2011
Workplace safety and wellness programs benefit employers and their employees. While the programs can be implemented independently of each other, there are proven enhanced results when the two are combined into one overarching Employee Health, Safety, and Wellness program.
2012 Health Reform Issues for Employer Sponsored Health Plans
Friday, September 9, 2011
Most employers are aware that many of the significant aspects of the Affordable Care Act (ACA) begin to take effect in 2014. There are, however, a number of provisions included in the ACA that will affect employer-sponsored health plans in 2012.
Departments Release Benefit Summary Rules
Tuesday, August 23, 2011
The IRS, Department of Labor, and Health and Human Services (The Regulatory Agencies) have released proposed regulations on the Summary of Benefits and Coverage (referred to as the SBC by the Regulatory Agencies) requirements contained in the Affordable Care Act (ACA).
The Patient-Centered Medical Home: The Healthcare Delivery Model for the Future?
Monday, August 22, 2011
One result of the Patient Protection and Affordable Care Act (PPACA) of 2010 has been a renewed conversation about the broken U.S. healthcare system.
Earthquake Deductibles and Deductible Buy Downs: Do You Know Your Liability in the Event of a Loss?
Friday, August 19, 2011
Earthquake coverage for property assets in high hazard areas is often subject to a percentage deductible rather than a specific flat dollar amount. The deductible will typically range from 2% to 5% based on several factors, including age of the building, type of construction (i.e., frame, masonry or steel), and soil conditions.
Entity-Employed Physicians and Medical Malpractice Coverage Issues
Thursday, August 18, 2011
Physician employment by hospitals and medical facilities continues. The change from independent to employed physician status has been rapid and all indications suggest that the trend will continue.
Data Liability: Challenges Facing Employers
Thursday, August 18, 2011
In a recent article titled Hack Attack published in Time Magazine, the author, Bill Saporito, provides a glimpse into the world of hackers and outlines the motivations of LulzSec, the group responsible for the much-publicized Sony breach.
Have You Outgrown Your Homeowner’s Insurance?
Tuesday, August 16, 2011
Several years ago I met with a potential client who had an extraordinarily beautiful Seattle home. As I reviewed the couple’s current insurance policy, I was shocked to discover that the home was insured for $3 million, only half of the $6 million replacement cost.
The Health Reform Individual Mandate is Ruled Unconstitutional – or was it?
Tuesday, August 16, 2011
In the last 45 days, two separate federal appeals courts have come to opposite decisions regarding the constitutionality of the individual mandate contained in the Affordable Care Act (ACA).
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