Author: admin

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Question We are an applicable large employer (ALE) and we currently operate medical plans and other benefits on a plan year ending March 31st (current plan year ending March 31, 2026). We want to amend our plan year to a calendar year plan so that our employees can better understand the timing and election of…

Compliance Q&A: Classing Out Executive Benefits

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Question Our company would like to reward our executive team for their hard work in turning around the company’s recent financial difficulties and making the company profitable again. We would like to pay a greater portion of the premiums for our group health plan for our executives than we pay for our rank-and-file employees. Can…

Understanding Indemnification Language When Using Standard Industry Forms

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For contractors entering into agreements, it is crucial to understand the contractual language that applies to the Indemnification language, in particular, can often be ambiguous. And that can leave contractors vulnerable to losses resulting from a subcontractor’s work that damages a project. Many contractors use standard AIA contracts, but we must be aware that these…

Compliance Q&A: Interns and Offers of Coverage

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Question I have hired a couple of interns. They’re scheduled to work full-time hours but they’re only going to be with us for about four months. Am I at risk of any Affordable Care Act (ACA) “Pay or Play” penalties if I decide not to offer these interns health coverage? Summary If the employer is…

The Vital Role of Occupational Health Nurses in the Workplace

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When we think of nurses, we often envision compassionate caregivers in hospitals. However, this image overlooks a crucial segment of nursing professionals known as Occupational Health Nurses (OHNs). These registered nurses help prevent and manage work-related injuries and illnesses and play a vital role in promoting employee health and safety across the workplace. According…

Consider a Single Parent Captive in a Soft Insurance Market

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The insurance market began to show signs of softening in 2024 and has continued to do so into 2025. We are experiencing decelerating rate increases for Property insurance, and Workers’ Compensation has continued to remain favorable for buyers. While Umbrella and Auto Liability remain challenging in some segments, the broader trend is one of selective…

Compliance Q&A: 2026 ACA Affordability Safe Harbors

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Question I am an Applicable Large Employer (ALE) sponsoring a calendar year health insurance plan. I don’t know how much I should contribute to the cost of my employees’ health care. I want to avoid “pay-or-play” penalties, but I can’t afford to contribute more than the minimum required amount. What IRS affordability “safe harbor” works…

Claim Cost Containment

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in Success Stories

Business Issue A McGriff client and several of their officers and directors were sued in a shareholder derivative action. The suit claimed decisions were made that negatively impacted the shareholders. Accepting the claim, the carrier reached a settlement with all parties. Part of the settlement required our client to pay the shareholders’ attorney fees in…

August 2025 Employee Benefits Newsletter

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in Newsletters

It Benefits You August 2025 This month’s employee benefits newsletter content includes: Upcoming Compliance Deadlines: Summary Annual Report (Calendar Year Plans) & Medicare Part D Notices One Big Beautiful Bill Act: Recent Legislation Impacts Employee Benefits HSA Utilization Strategies: How to Make HSAs the 401(k)s for Retirement Health Expenses *August 28 Webinar Opportunity HSA/HDHP Limits…

Compliance Q&A: What is the “Excepted Benefit” status and why does it matter?

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