Rules and Exceptions When Providing Benefits to Same Sex Couples

January 13, 2020
Employers who offer benefits to spouses must also offer them to same-sex couples though there are exceptions. The U.S. Supreme Court ruled in 2015 that the rights of same-sex couples are protected under the due process and equal protection clauses of the Fourteenth Amendment to the U.S.... Find out more »

New Hardship Distribution Rules for Retirement Plans

January 8, 2020
The Internal Revenue Service (IRS) has made it easier for employees to make withdrawals from their retirement plans during the time of hardship. The IRS also made it easier for employees to rebuild their accounts. Some of these changes affecting 401(k) and 403(b) plans are mandatory, requiring... Find out more »

Dental Insurance Promotes Overall Health

January 2, 2020
Providing employees the opportunity to purchase dental insurance is not enough. Employee education is an important element when you offer voluntary benefits. A 2019 survey by the National Association of Dental Plans shows that approximately 47 percent of adults participate in employer-sponsored... Find out more »

What’s Covered in a Typical Equipment Breakdown Insurance Policy?

To prevent business shutdowns or slowdowns, an organization might want to cover other kinds of valuable equipment from mechanical breakdown, too. The typical equipment breakdown insurance policy includes the following coverages: 1.  Damage to “covered property” at the... Find out more »

Q4 Quarterly Compliance Recap 2019

December 27, 2019
Over the past quarter, we’ve seen many important employee benefit compliance updates hit the news. To keep you up to date on the latest legislative updates, here is your quarterly compliance recap! Simply click the legal alert titles to read the full story or watch a short recap video.... Find out more »

Safe Workplaces Start with Implementing a “Safety Culture”

December 23, 2019
Worker commitment to safety is proportional to the degree of management understanding, involvement and communication. If your safety program is based solely on reducing reported accidents and injuries or compliance with OSHA regulations, your safety and loss control program will never be... Find out more »

6 Workers Compensation Regulation Trends to Watch in 2020

December 17, 2019
The expansion of presumption laws is just one of the predictions made by speakers at a recent workers’ comp conference. Medical billing fraud, presumption laws, drug formularies, medical marijuana, magic mushrooms and opioids are expected to command the attention of various state and... Find out more »

Are Your Workplace Policies Up to Date about Vaping?

December 16, 2019
The popularity of vaping is sending some employers scrambling to craft workplace policies governing the use of electronic cigarettes. Vaping is when users puff electronic cigarettes — also called e-cigs, vaporizers and electronic nicotine delivery systems — to inhale an aerosol that... Find out more »

8 Ways Robots and AI Are Impacting Workers’ Comp

December 11, 2019
impacting nearly every sphere of our lives and our businesses, including workers' compensation. You may already be aware of some of these innovations. Some of them may already be impacting your workers and saving your firm money. But some may surprise you. 1   Exoskeletons in... Find out more »

When is Indemnity Health Insurance an Acceptable Alternative to a Fully-Insured Plan?

December 6, 2019
Here’s a look at the advantages and disadvantages. Many employers offer employees access to indemnity health insurance as a way to fill gaps in their health coverage. Now, as heath care plan costs increase, some employers who are priced out of the cost of traditional major medical coverage... Find out more »