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Social Engineering Criminals May Be Targeting Your Organization: Are You Vulnerable?

Human-based social engineering fraud (sometimes referred to as human hacking) is defined as the art of influencing people to disclose information and getting them to act inappropriately.

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Form 1095 – Employee Communications

Many employers want to provide some type of communication along with or before the distribution of Form 1095s to relevant employees. Although any employee communication must be tailored to meet the employer’s specific circumstances, some general concepts are addressed here that can be adjusted as appropriate to help employees understand why Form 1095s are being provided, what type of information they provide, and how they are to be used.

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Preparing For The Snow

That preparation should include a review of the business’ insurance portfolio, specifically the ingress & egress coverage, and civil authority coverage of the business’s property policy.
Most standard property policies usually only cover loss “caused by direct physical loss of or damage to property.” Therefore, if a company has a roof collapse due to heavy snow load, it is likely the building and the resulting interruption of business would be covered by the policy. However, if the building or property is not damaged, and the business cannot operate due to the inability of access to the plant, building, or facility due to the weather, is that a covered loss under the property policy? The answer is, “It depends.”

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How to Prepare for a Data Breach in Healthcare

To ensure proper data breach response preparedness (and to show proper due diligence), your directors and leadership staff should be asking I.T. and key partners the pertinent questions now, before a breach occurs:
Have we ever had system penetration testing done, and have we reviewed the results?

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Cadillac Tax – Delayed

In December, the Consolidated Appropriations Act, 2016 was signed into law which, amongst other provisions, effectively delayed the excise tax on high-cost health coverage (also known as the “Cadillac Tax”) until January 1, 2020. In addition, the law made the excise tax deductible and provides for a study to determine whether appropriate age and gender benchmarks are being used to determine the Cadillac tax threshold adjustments.

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IRS Released Additional §4980H Guidance

In mid-December, the Internal Revenue Service (IRS) released further guidance on a variety of Affordable Care Act (ACA) provisions that affect employer-sponsored group health plans via Notice 2015-87. The notice was provided in a Q&A format, with several of the responses clarifying §4980H (“employer mandate”) requirements, including guidance in regard to determining affordability, counting hours of service, and 2016 penalty (assessable payment) amounts.

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IRS Extends Deadline for Employer ACA Reporting

The IRS has issued Notice 2016-4 extending the due date for employers to complete their 2015 ACA Form 1095 and 1094 reporting.

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EEOC Issued GINA Wellness Rules

On Friday, October 30, the Equal Employment Opportunity Commission (EEOC) issued proposed rules that would amend the regulations implementing Title II of the Genetic Information Nondiscrimination Act (GINA). These rules relate to incentives offered in exchange for health information about an employee’s spouse as part of an employer-sponsored wellness program. The proposed rules provide a narrow exception to the prohibition on incentives that are contingent on the provision of genetic information.

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Common Misconceptions about the ACA Reporting Requirements

As we approach year-end, many employers realize that the 1094/1095 ACA reporting, which seemed to be so far off, is right around the corner. As we have talked with employers about these requirements, we have heard quite a few misconceptions.

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PACE Act Changes the Definition of Small Group Insurance

President Obama has signed legislation recently passed by Congress which changes how “ small group” health insurance will be defined for rating and underwriting purposes.

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