Business & Professions Insights

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.

Safety Focused
Protect yourself from workplace concussions.

Benefits Buzz
Family Medical Plans Must Embed Out-of-Pocket Limits in 2016.

HR Brief
Supreme Court Rules on Abercrombie Religious Discrimination Case.

Holistic Hurricane Guide 2015
Keep your family and business safe this storm season.

Safety Focused
How to Cope with a Difficult Co-worker.

HR Toolkit
Interviewing.

Benefits Buzz
Agencies Plan to Issue Final Rules for SBC Requirements.

HR Brief
Making the Case for Good Job Descriptions.

Safety Focused
The Importance of Indoor Air Quality.

Benefits Bulletin
HR Summertime Checklist.

2014 Health Plan Design Benchmark Summary
This Benchmark Report is based on data from the nation’s largest data base, representing plans from more than 30,000 employers.

OSHA
Important OSHA compliance and safety tips.

Safety Focused
Manual Handling in the Workplace.

Benefits Bulletin
DOL Issues Final Rule to Expand FMLA Protections for Same-sex Spouses.

HR Brief
Employee Handbook Spring Cleaning.

Safety Focused
6 Stress-busting Strategies.

HR Brief
FMLA and Workers’ Compensation Working Together.

Safety Focused
How to Cope with Seasonal Affective Disorder.

HR Brief
DOJ to allow claims based on gender identity discrimination.

Benefits Bulletin
HPID Requirement is delayed indefinitely.

Cyber Risks and Liabilities
All about the Sony hack and 2015 cyber threat predictions.

HR Brief
When Family and Medical Leave Act is exhausted.

Safety Focused
First aid for cold-related illnesses.

HR Brief
NLRD allows employers to require social media disclaimers.

State of the Market Report
We partnered with the world’s largest insurance wholesaler, AmWINS Group, to provide an in-depth report that keeps you abreast of relevant changes and market trends in the property and casualty insurance industry that impact your bottom line.

HR Brief
Important human resources insights.

Benefits Bulletin
Are you staying compliant with the IRS changes?

P&C Profile
Is your industry affected by new OSHA recordkeeping and reporting requirements?

Commercial Hurricane Preparedness Guide
Protect your business and employees this storm season.

P&C Profile
Important workplace and safety tips.

Commercial Real Estate Briefing
Four insurance factors to consider in 2014.