Articles

Supplemental Plans Can Ease High Deductible Financial Strain

Supplemental benefits plans can help ease financial strain for both employers and employees. Learn more…

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When to Include Contractor’s
Pollution Liability

One of the tasks with which I often assist my construction clients is to develop their insurance requirements for their various contractual agreements. One of the core coverages that I always recommend…

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Understanding Your Employment Practices Liability Policy Reporting Procedures

Allegations of wrongful acts by high profile celebrities and media moguls exposed through the #MeToo movement have been in the news for some time, now. However, main street businesses also need to be paying attention to their employment risks.

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Keeping Up With GDPR and US Privacy Laws

Numerous headlines and articles warned of the impending GDPR regulations and the potential pitfalls facing companies with European Union resident data.

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Addressing Organizational Liability in Your Volunteer Program

Many not-for-profit organizations rely on volunteers to supplement their labor force. There are many reasons why people donate their time – altruism, a need for social interaction, and fulfilling a court order are a few of these.

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Compliance Considerations When Moving from Fully-Insured to Self-Funded

When a plan moves from fully-insured to self-funded (also referred to as self-insured), most benefit compliance requirements (e.g., ERISA, COBRA, Section 125) apply in the same fashion.

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So You’re Thinking About Developing Condos…

Our region’s real estate cycle appears to be at the early stages of transition, with attention turning from “for rent” to “for sale” development projects.

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IRS-SSA-CMS Data Match Employer Reporting Requirement Suspended

The Centers for Medicare & Medicaid Services (CMS) has suspended the IRS-SSA-CMS Data Match employer reporting requirement.

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Healthcare Cyber 2.0

Much has been written over the past five years about the necessity of healthcare finance officers and risk managers understanding the different available risk transfer options to mitigate exposure to losses suffered from a cyber event.

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DOL Issues New Rules for Association Health Plans

The Department of Labor (DOL) has released final Association Health Plan (AHP) rules. The rules are designed to make it easier for small employers and individuals to join together to offer or purchase health insurance as a large group.

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Five Strategies to Win the Battle for Top Talent in the Tech Industry

The battle for technology talent in the Pacific Northwest is fierce and, as important as it is to recruit, it is equally if not more important to retain employees. SHRM reports replacing an employee can cost anywhere between six to nine months of their annual salary.

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2019 “Affordability” Percentage

In Revenue Procedure 2018-34, the IRS increased the affordability percentage from 9.56% to 9.86% for 2019. This percentage determines which applicable large employers may face penalties under §4980H(b) for failure to offer affordable coverage, and which individuals may qualify for subsidized coverage through a public Exchange. Background Under §4980H, applicable large employers (50 or more […]

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