Business & Professions Insights

News You Can Use
Update: OSHA Final Rule on Electronic Reporting

News You Can Use
On May 4, 2017, members of the U.S. House of Representatives voted to pass the American Health Care Act (AHCA), the proposed legislation to repeal and replace the Affordable Care Act (ACA).

Safety Focused Newsletter
Prevent Text Neck; Protect Your Eyes From the Summer Sun

Benefits Buzz
ACA Replacement Bill Withdrawn, Now What; Cost-saving Strategy: Generic Drugs

HR Brief
EEOC to Maintain its Bipartisan Enforcement Plan; Trump’s Secretary of Labor Nominee Questioned on Overtime Rule; Employer Awareness

Safety Focused Newsletter
5 Ways to Prevent Digital Overload; 6 Simple First-aid Tips That Could Save a Co-worker’s Life

Benefits Buzz
House Republicans Release Legislation to Repeal and Replace the ACA; American Health Care Act: What Won’t Change

HR Brief
Retirement Uncertainty and Where to Turn; Saving With Health Care Literacy

Wellness Engineering Case Study
Nationally Ranked Healthiest Employer: a rapidly growing privately-held risk management and insurance brokerage firm with a multi-generational workforce started its wellness program in 2010. The firm started with activity challenges, an in-house newsletter and free gym memberships.

Safety Focused Newsletter
Staying Safe When Working Alone; Soft Skills and Conflict Resolution

Benefits Buzz
ACA and Employer Health Plans Under President Trump; Block Grants: What do you need to know?

HR Brief
Company Culture Might Be More Important Than You Think; DOL Overtime Rule: Update

Safety Focused Newsletter
Winter Worker Safety Tips; Benefits of a Smoke-free Workplace

Benefits Buzz
New Stand-alone Option Available for Eligible Small Employers; 2018 Final Notice of Benefit and Payment Parameters Released

HR Brief
Stay Protected from Phone Tax Scams – 5 Red Flags to Avoid; Employee Leave-sharDonation Programs
Safety Focused Newsletter
Sedentary Working is a Top Health Risk; The Importance of a Good Night’s Sleep

Benefits Buzz
Overtime Rule Delayed Until Further Notice; ACA Reporting Deadline Delayed

HR Brief
DOL Overtime Rule Blocked; Handling Election Tension in the Office

National Health Observances Calendar
2017 National Health Observances Calendar

News You Can Use: Employer Uncertainty Over Medical Marijuana
Amendment 2, which approves the expansion of medical marijuana, raises concerns for employers, including some of the following questions: how will it impact disability discrimination claims and the Americans with Disabilities Act, wrongful termination claims, and unemployment insurance benefits? Read our latest News You Can Use to learn more.

Safety Focused Newsletter
Staying Active at Work; Seasonal Affective Disorder

HR Brief
IRS Retires Retirement Updates; Workplace Reports of Illness and Injury Continue to Decline

Benefits Buzz
2017 Marketplace Plan Premiums Rise 25%; 2016 Election and Compliance Issues

News You Can Use: Not So Fast – Work Comp Rate Increase Back On
The Office of Insurance Regulation (OIR) filed an appeal yesterday (November 29th) and was successful in obtaining a stay on the ruling, meaning the workers’ compensation rate increase will go into effect this week. As a reminder, this increase is only for new and renewal policies effective December 1st and later and will not be pro rata.

News You Can Use: Workers’ Compensation, More Like Workers’ Complication
On November 23rd, a Circuit Court judge blocked the 14.5% increase in workers’ compensation rates, which were to go into effect on December 1st. The court ruled that the passing of the workers’ compensation rate increases did not comply with Florida’s Sunshine Laws.

News You Can Use: ACA after the Election and DOL Overtime Rules Stalled
On November 8, 2016, Republican candidate Donald Trump was elected the 45th President of the United States. Trump’s victory in the election, along with Republican majorities retained in both the Senate and House of Representatives, will likely have a significant impact on a number of compliance areas over the next four years.

Why Finding the Right Insurance Advisor is So Crucial
Which type of Insurance Agent is right for you? Read more about how to make the best decision regarding your personal insurance needs, and the the 11 reasons you should partner with an experienced independent insurance agent.

Live Well, Work Well
Choosing Medications Wisely; 2016 Flu Vaccine Information

Safety Focused Newsletter
Managing Your Workplace Stress; Avod These Four Common Workplace Injuries

HR Brief
Workers’ Compensation Leave? Consider FMLA; Dec. 1 is Near: Understanding What’s Changing

Benefits Buzz
Compliance Date Approaching for Employer-sponsored Wellness Programs; 2016 KFF Employer Health Benefits Survey Published

Department of Labor: Audit Letter 
The U.S Department of Labor’s Health Plan Audit requires certain employers to produce documentation that will show they are compliant with ERISA. The DOL’s recent letter lists the documents that are due within 30 days of receiving the letter.

Workers’ Compensation Insurance: How to Manage the Evolving Market
Workers’ Compensation Insurance: many employers recognize that they are required to purchase this insurance coverage but don’t understand what this policy provides and what important aspects to be aware of in order to take a proactive stance on cost control.

News You Can Use
NCCI Accepts 14.5% Workers’ Comp Rate Increase

Safety Focused Newsletter
Five Ways to Avoid Spreading Illness; The Dangers of Prolonged Standing

HR Brief
Overtime and the FMLA Leave Entitlement; IRS ACA Penalty Assessments are Forthcoming

Benefits Buzz
Get Ready for ACA Reporting Deadlines; Marketplaces to Offer “Simple Choice Plans” for 2017

Live Well, Work Well
Health and wellness tips for your work, home and life: Chronic Conditions and Health Care Costs

Benefits Bulletin
New Overtime Rule Goes Into Effect Decc 1; DOL Increases Penalties for Health Plan Violations; Major Changes Proposed to Form 5500; How the 2016 election Could Affect Health Care

News You Can Use 
Florida Regulators Endorse 14.5% Workers’ Comp Rate Increase

HR Insights
The oldest members of Generation Z recently turned 20 and are beginning to enter the workforce. Examine the typical characteristics of Generation Z and how they are expected to change the workforce

Safety Focused Newsletter
Keeping Mobile Devices Safe From Hacking; Electrical Safety in the Workplace

HR Brief
Educate Employees on the Value of HSAs; English-only Policies in the Workplace

Benefits Buzz
Significant Changes Proposed to Form 5500; DOL’s New Fiduciary Rule Impacts HSAs

Long-Term Benefit Planning
Consider these “Rules for the Road” for your long-term benefit planning.

HR Insights
Since its debut on July 6, 2016, Pokémon Go has skyrocketed in popularity. Read this month;s HR Insights to learn how to respond to Pokémon Go in the workplace.

Shopping for Benefits on the Private Health Exchange – The rise of a smarter and more empowered health care consumer
Shopping for benefits online – What is a Private Health Exchange, and how can it impact businesses and their employees?  

Safety Focused
Recognizing Workplace Harassment; Sun Protection Strategies

HR Brief
Employee Leave: Clarifying STD, FMLA, and ADA; The FMLA and Absence Notification:Is Your Policy Being Followed?

Benefits Buzz
U.K. Votes to Leave the European Union; New Task Force on Mental Health and Substance Use Disorders

Cyber Risk & Liabilities Newsletter
Taking proactive measures to avoid a data breach, such as having an identified incident response team in advance, can lower the direct and indirect cost impact of a data breach if one occurs. Read our Cyber Risk & Liability newsletter to learn tips on how to reduce your risk.

News You Can Use 
OSHA Increases Maximum Penalty Amounts

News You Can Use 
DOL Increases Penalties for Health Plan Violations

Employer Appeals of Exchange Subsidy Notices, Part 2
NCCI Recommends 19.6% Increase in Workers Compensation Rates in Florida, Effective 10/1/16

News You Can Use
NCCI Recommends 19.6% Increase in Workers Compensation Rates in Florida, Effective 10/1/16

News You Can Use 
EEOC Finalizes Wellness Rules Under ADA and Gina

Safety Focused
The Importance of Reporting Near Missies; Lightning Safety Tips for Outdoor Workers.

HR Brief
EEOC Issues Welcome Guidance on Leave as a Reasonable Accomodation; The Final White Collar Exemption Rule is Here: Now What?

Benefits Buzz
DOL Issues New Overtime Payment Rules; EEOC Finalzies Wellness Rules Under ADA and GINA.

Benefits Bulletin
DOL Issues New Overtime Payment Rules; EEOC Finalzies Wellness Rules Under ADA and GINA; HHS Launches Phase 2 of HIPAA Audit Program; ACA’s Affordability Contribution Percentage Increased for 2017

News You Can Use
OSHA Final Rule on Electronic Reporting

News You Can Use
Cost of Workers’ Compensation Claims Going Up… Again

News You Can Use
Proposed Workers’ Compensation Rate Increase

HR Brief
Tips for Implementing Progressive Discipline; Final Rule on the DOL’s Proposed Changes to FLSA Overtime Exemptions.

Benefits Buzz
Supreme Court Hears Contraceptive Coverage Case; Phase 2 of HIPAA Audit Program.  

News You Can Use 
On May 18, 2016, the U.S. Department of Labor (DOL) announced a final rule regarding overtime wage payment qualifications for the “white collar exemptions” under the Fair Labor Standards Act (FLSA).

HR Toolkit
DOL Makes Changes to Overtime Payment Rule; Options for Employers; Calculating Overtime Pay; How to Act Now and Avoid Penalties.

Wage and Hour Disputes: Take Proactive Measures to Minimize your Risk
Wage and hour claims continued to rise in 2015, and 2016 has potential to be a record setting year for lawsuits.

News You Can Use
Supreme Court Ruling on Attorney Fees in Worker’s Compensation

Safety Focused
Workplace Eye Protection; The Effects of Substance Abuse

Employers Guide to the FMLA
Employers Guide to Navigating the FMLA: Covered Employers, Qualifying Reasons for Leave, Certification Process, etc.

Employee Benefits Communication
Because a robust employee benefits offering helps the recruitment and retention of top talent, it’s important that benefits be communicated effectively to all employees.

HR Toolkit
Proposed Changes to FLSA White Collar Exemption Rules

Benefits Insights
Understanding Employee Benefits Liability

Health Plan Design
2015 Health Plan Design Benchmark Summary – The Zywave Health Plan Design Benchmark Report is based on data gathered from the largest database in the country, consisting of tens of thousands of employer-offered health plans 

Risk Insights
Secure Parking Facilities

Safety Focused
Workplace First Aid Basics; Workplace Burnout and How to Address It

Benefits Buzz
ACA Litigation May Affect Employers;  ACA Rule Changes for 2017

HR Brief
EEOC Proposes Revised Guidelines on Retaliation; IRS: Payroll and HR Targets of New Phishing Scheme

Benefits Bulletin
IRS Expands Tax Relief for Identity Protection; 2015 Annual Employer Health Survey; Federal Budget Provides Transit Parity; FLSA Overtime Rule Change

Could Your Clients Benefit From Premium Financed Life Insurance?
Discover the benefits of premium financed life insurance for your clients

Is Premium Financed Life Insurance Right For You?
Discover the benefits of premium financed life insurance

Safety Focused
Dealing With Dissatisfied Customers; Working With Display Screen Equipment

Benefits Buzz
Recent Court Rulings Raise Questions About FMLA; IRS Clarifies ACA Rules for Employer-provided Coverage

Safety Focused
Nine Tips for Staying Focused on the Road

Benefits Buzz
ACA Reporting Deadlines Delayed; HHS Proposes Increased Out-of-pocket Maximums.

HR Brief
Form I-9 Self-audit Guidance; Educate Employees on 401(k) Loans.

Know Your Benefits
Understanding your W-2 Form.

Benefits Buzz
ACA Repeal Passes Senate, Veto Expected; Government Investigating Rising Drug Costs.

HR Brief
ACA Reporting Requirements – A Basic Overview; End of Year Employee Communications.

Safety Focused
First Aid Tips for Hypothermia; How to Address Workplace Odors.

OSHA
2014 Work-related Injury and Illness Statistics

Benefits Bulletin
New Spending Bill Delays Cadillac Tax; Final ACA Market Reform Rules Released; IRS Releases Tax Guidance on Same-sex Marriage Issues; ACA Automatic Enrollment Requirement Repealed

 OSHA Penalties to Increase in 2016
The Bipartisan Budget Act of 2015 will allow OSHA to increase penalties on employers.

Safety Focused
6 Tips for Winter Driving, Maintaining Your Health this Winter.

2015 Health Care Trends
Health care costs climb less than projected, Initiatives to reduce benefit cost.

Cyber Risks & Liabilities Newsletter
Controversial Cyber Security Bill Passes Senate.

HR Brief
Preventing Workplace Violence.

Safety Focused
Five Tips for Avoiding Sleep Deprivation.

Benefits Buzz
Employers prepare for Cadillac Tax, PACE Act gives small businesses new options regarding Affordable Care Act.

Benefits Bulletin 
Preparing for Open Enrollment, Section 6055 & 6056 reporting recap and the DOL proposed expansion of overtime protections.

Safety Focused
Asthma in the Workplace.

Benefits Buzz 
Guidelines Finalized for Electronic Reporting Under Section 6055 and 6056.

HR Brief 
Employee Classifications of 1099s.

PC ProFile
Cyber Security Named Biggest Risk in New Survey.

Live Well, Work Well 
Humor in the Workplace.

Safety Focused 
7 tips for a more comfortable workstation.

Benefits Buzz 
Final rule on religious exemptions to contraceptive coverage.

HR Brief 
DOL clarifies worker classification.

Safety Focused 
Protect yourself from workplace concussions.

Benefits Buzz 
U.S. Supreme Court Upholds ACA Subsidies in Federal Exchanges & Final Regulations on Summary of Benefits and Coverage (SBCs).

HR Brief
DOL Issues Proposed Rule to Expand Overtime Protections.

Read more Business & Professions Insights


ACA in the News

House Committees Release ACA Replacement Bills
On March 6, 2017, Republican leadership in the U.S. House of Representatives issued two bills to repeal and replace the Affordable Care Act (ACA) through the budget reconciliation process. These bills are collectively known as the American Health Care Act. If enacted, the new law would not repeal the ACA entirely, although it would make significant changes to key provisions. The ACA’s employer and individual mandates would be repealed retroactively beginning in 2016. Key consumer protections, like the ACA’s prohibition on pre-existing condition exclusions and dependent coverage to age 26, would remain intact. 

Congress Clears Path for ACA Repeal
On January 13, 2017, the U.S. House of Representatives passed a budget resolution for fiscal year 2017 to begin the process of repealing the Affordable Care Act (ACA). At this time, Republicans have not agreed on a plan to either repeal or replace the ACA. However, a full repeal of the ACA cannot be accomplished through the budget reconciliation process. A full repeal of the ACA must be introduced as a separate bill that would require 60 votes in the Senate to pass. 

Employer Appeals of Exchange Subsidy Notices, Part 2
Beginning in spring 2016, employers started receiving notices from the Exchange if any of their employees were deemed eligible for health insurance subsidies through an Exchange.  Employers that receive these notices will have 90 days to file an appeal if they feel the eligibility determination was made in error. Find information on how to handle your organization’s appeal here. 

Employer Appeals of Exchange Subsidy Notices
Beginning in spring 2016, employers may receive notices from the Exchange if any of their employees have been deemed eligible for health insurance subsidies through an Exchange. Employers that receive these notices will have 90 days to file an appeal if they feel the eligibility determination was made in error. 

Navigating Healthcare Reform
2017 Benefit and Payment Parameters: Annual Limits on Cost Sharing; Large Employer and Small Employer Definitions; Marketplace Open Enrollment Period for 2017 and Later Years; Medical Loss Ratio Rules .  

Employer Reporting Requirements and Cadillac Tax Delayed
The ACA created new reporting requirements to Internal Revenue Code Section 6056. Under these rules, applicable large employers must provide information to the IRS about the health coverage provided to their full-time employees.  

Senate Passes ACA Small Group Market Rule Repeal
PACE Act repeals Healthcare Reform requirements on small group markets to be expanded to businesses with up to 100 employees.    

Final 1094C – 1095C Forms Released
Under the ACA, employers with over 50 full-time employees are subject to new reporting requirements effective in early 2016. In September, the IRS released final 2015 versions of Forms 1094-C and 1095-C, along with related instructions on how to properly meet reporting requirements.  

Embedded Out-of-Pocket Maximum for Family Coverage 

The ACA requires non-grandfathered health plans to include an annual limit on total enrollee cost sharing for essential health benefits (EHB). This annual limit is often referred to as an “out-of-pocket maximum” or “maximum out-of-pocket” (MOOP). New group health plans must embed an individual out-of-pocket maximum in the plan’s family coverage when the family out-of-pocket maximum exceeds the ACA’s out-of-pocket maximum for self-only coverage.

Certifications of Employee Eligibility for Subsidies
The ACA requires health insurance Exchanges to send a notice to employers regarding employees who purchase coverage through an Exchange and qualify for a health insurance subsidy. These notices are also called “Section 1411 Certifications” and are part of the process established by the Department of Health and Human Services (HHS) for verifying that only eligible individuals receive health insurance subsidies. Learn more about your responsibilities as an employer in this month’s ACA in the News.

Use of Temporary Staffing Firms by Larger Employers (ALEs)
The Affordable Care Act (ACA) imposes a penalty on large employers that do not offer minimum essential coverage to “substantially all” full time employees and dependents by the 90th day of employment. Large employers that do offer coverage may still be liable for a penalty if the coverage is unaffordable or does not provide minimum value.

The Individual Mandate and Your 2014 Tax Filing
Because the individual mandate was applicable in the 2014 tax year, this is the first year individuals will have to disclose their medical status on their 2014 tax filing. Read this ACA in the news for an overview of the individual mandate and the new 2014 tax requirement.

Employer Reporting of Health Coverage – Code Sections 6055 & 6056
Under these new reporting rules, certain employers must provide information to the IRS about the health plan coverage they offer (or do not offer) to their employees. This ACA in the News includes an overview of the two IRS codes.

Read more ACA in the News