Articles

Have You Outgrown Your Homeowner’s Insurance?

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.

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The Health Reform Individual Mandate is Ruled Unconstitutional – or was it?

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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Preventive Services for Women

On August 1, 2011, the Department of Health and Human Services (HHS) adopted guidelines that will require non-grandfathered health plans to provide women’s preventive services with no cost sharing for participants.

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Healthcare Reform: FAQs

HHS Releases Health Insurance Exchange Regulations

On Monday, July 11, 2011, the U.S. Department of Health and Human Services (HHS) published two Notices of Proposed Rulemaking (NPRM).

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Claims Appeals and External Review Requirements Amended

On Friday June 24th, The Internal Revenue Service (IRS), Department of Labor (DOL) and Department of Health and Human Services (HHS) (the Departments) jointly published an amendment to interim final rules related to the Internal Claims and Appeals and External Review Processes requirements contained in the Patient Protection and Affordable Care Act (PPACA).

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Privacy by Design: A Key Concern for VCs and Start-Ups

The privacy landscape appears to be shifting toward a model that promotes greater consumer awareness of and control over data. Reflecting its consumer protection mission, the FTC’s Protecting Consumer Privacy in an Era of Rapid Change issued December 1, 2010 urges companies to adopt a “privacy by design” approach.

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2011 Budget Compromise Eliminates Free Choice Vouchers

On Friday, April 15th President Obama signed the 2011 budget compromise worked out by Congress.

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W-2 Reporting Requirement Delayed for Employers with Less than 250 Employees

On Tuesday, March 29th the IRS released Notice 2011-28 which provides guidance on the reporting of the cost of employer-sponsored health insurance on employee's W-2s.

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Claims Appeal Process Rules Enforcement Delayed Again

The DOL, HHS, and the IRS (the Departments) have been issuing regulations in several phases related to provisions of the Affordable Care Act (ACA) pertaining to standards for internal claims appeals and external review.

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Food Borne Illness Coverage for the Hospitality Industry

The Department of Agriculture estimates that 76 million Americans become ill each year from eating foods contaminated with bacteria, viruses, and parasites.

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Equipment Breakdown Coverage For Property Owners

Many property owners have the misconception that their property policies include coverage for equipment that is installed in their buildings. While the standard property policy can provide coverage for the structure, contents, and potential loss of revenue in the event of a loss, equipment breakdown is excluded. In order to avoid a coverage gap, property owners also need an Equipment Breakdown policy, which is tailored to cover the loss exposures for equipment and systems installed in their buildings.

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