Articles

Insurance Issues Can Arise When Converting Apartments to Residential Condos

There has been a significant uptick in the number of new apartments under construction in the Northwest and there has been speculation over time about whether owners will start to convert some of these properties from apartments to condominiums. As we see this conversation happening more frequently, we wanted to offer some advice on the potential […]

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Contraceptive Exemption Expansion

On October 6, the Department of Health & Human Services (HHS) released two separate interim final rules, with immediate effective dates, broadening the religious or moral exceptions to the general ACA rule requiring that group health plans offer contraceptive coverage with no cost-sharing. The rules were provided in response to President Trump’s executive order issued […]

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Legislation Introduced to Simplify Employer Reporting

As employers prepare for the third year of ACA-related reporting, new bipartisan legislation has been proposed that provides a glimmer of hope for the possibility that changes will be made to current IRS requirements. The “Commonsense Reporting Act of 2017,” introduced by Senators Portman (R-OH) and Warner (D-VA), would significantly simplify ACA-related employer reporting. Background […]

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Employer Reporting –
2017 FINAL Forms and Instructions

The IRS has released the 2017 final forms and instructions for the ACA employer reporting requirement. 

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Graham-Cassidy Update: Senate Tries to Repeal the ACA One More Time

On September 13, 2017, Senate Republicans introduced a bill (referred to as The Graham-Cassidy bill) to try, one more time, to repeal and replace portions of the ACA. The bill contains many of the provisions included in legislation proposed earlier this year. In fact, it was originally designed to be an amendment to prior legislation that was proposed in the Senate.

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Common Gaps in Disability Insurance

Disability insurance can be even more important for manufacturing companies than other employers. Manufacturing organizations typically have an older population with long tenure and employees historically suffer with chronic conditions. Employees usually experience higher than average musculoskeletal incidence and absenteeism due to the nature and repetitive motion of their jobs.

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Wellness Program Updates

New developments have arisen in the wellness area recently. One recent court case challenges the validity of the final regulations, and another alleges that Macy’s failed to comply with the final rules. The final rules establish how a wellness program should be structured to avoid violating nondiscrimination rules under HIPAA, the Americans with Disabilities Act (ADA), and the Genetic Information Nondiscrimination Act (GINA).

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Medicare Part D Notice Reminder:
Deadline of October 14th

Employers with group health plans that provide prescription drug coverage to individuals who are eligible for Medicare Part D must comply with certain disclosure requirements.
Group health plan sponsors must disclose to individuals who are eligible for Medicare Part D whether their prescription drug coverage is at least as good as the Medicare Part D coverage (in other words, whether their prescription drug coverage is “creditable”). These disclosures must be provided each year prior to Medicare’s annual open enrollment period, and at certain other designated times. The annual open enrollment period for Medicare Part D is October 15th through December 7th, so notices must be provided by October 14th.

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Employer Reporting – 2017 Draft Forms and Instructions

The IRS released the 2017 draft forms and instructions for the ACA employer reporting requirement.  The 2017 draft forms and instructions are very similar to those used for 2016. Given that they have only minor changes (along with a few clarifications of existing requirements), the most significant change is the deletion throughout of anything referring […]

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6 Common Gaffes to Avoid When Considering a Self-Funded Plan

Self-funding is a common method for employers over 100 employees to avoid the costs of a fully insured medical plan. A fully insured plan takes all of the claims risk from an employer group to the insurance company and collects a premium to do so.

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Are You Prepared for a Legionnaires’ Outbreak?

Legionnaires’ disease is a condition that our healthcare organizations do not frequently encounter, yet the Centers for Disease Control (CDC) estimates that between 8,000 – 18,000 people a year are hospitalized with this disease, and more than 10 percent of the cases are fatal3.

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