Author: admin

  • Compliance Q&A: Reporting Prescription Drug and Health Care Spending

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    Interested in the steps plan sponsors need to take to comply with the RxDC rules? Learn these steps and how they fit into the larger picture of healthcare transparency laws in this compliance QA.

  • September 2025 Employee Benefits Newsletter

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    It Benefits You September 2025 This month’s employee benefits newsletter content includes: Cooking Up a Compliant Benefits Strategy! *September 9 Webinar Opportunity Upcoming Compliance Deadlines: Summary Annual Report (Calendar Year Plans) & Medicare Part D Notices Strategies for HR: How to Spark Employee Interest in Flexible Benefits Using Medical Loss Ratio (MLR) Rebates How Artificial Intelligence…

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

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    Summary The determination of whether a particular benefit may be “excepted” is important when structuring a particular solution – such as an FSA, EAP, or a carve-out point solution – to ease a plan sponsor’s compliance with laws such as HIPAA, the ACA, and MHPAEA. Click below to read more on excepted benefit status, why…

  • Business Income Insurance: Lessons from Recent Disasters

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    When a disaster strikes, physical damage is just the beginning. For many businesses, the bigger challenge is the disruption to operations, revenue, and customer trust. Business Income (BI) coverage—often misunderstood or overlooked—has emerged as a critical tool for ensuring resilience. From hurricanes and wildfires to supply chain breakdowns, real-world events have proven that companies with…

  • 5 Home Renovations That Affect Your Insurance

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    Certain home renovations can increase the value of your house or impact potential risks – both of which can affect your homeowners insurance. On average, renovations to your home increase its value by at least 25%, but most homeowners don’t increase their coverage accordingly.1 If you’re planning on tackling any of the home renovations listed below,…

  • Guestroom Privacy and Key Control: From Policy Statement to Operational Imperative

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    When it comes to liability in hotels, few issues rival the reputational damage and monetary losses stemming from failures in guestroom security and privacy protection. The infamous Erin Andrews v. Marriott case—resulting in a $55 million jury award to the Fox Sports reporter—remains a stark reminder of how critical these protections are.1 Such privacy violations…

  • Compliance Q&A: Health Flexible Spending Accounts – Unsubstantiated Expenses

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    Question We switched to a new health Flexible Spending Account (FSA) third-party administrator (TPA). The new TPA deactivated one of our employee’s FSA debit card because of $20 in unsubstantiated expenses, stating this was an Internal Revenue Code requirement. Our prior TPA told us expenses under $25 did not need to be substantiated and that…

  • Compliance Q&A: Fiduciary Duties in Vendor Selection and Management

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    Question My company hired a vendor to outsource the utilization management and appeals processes for our health plan. I have heard that we, as the plan sponsor, have a fiduciary duty to monitor the vendor’s activities. What does that mean, and, if this is really required, how can we comply? Summary The 1974 Employee Retirement…

  • Compliance Q&A: On-site Clinics

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    Question We are considering starting an on-site medical clinic where our employees can receive medical care. Can you explain the main employee benefits compliance concerns for such a clinic? Summary Employers providing access to an on-site medical clinic for their employees have several potential compliance issues to consider, including ERISA, COBRA, HIPAA, the ACA, and…

  • Compliance Q&A: Group Term Life Insurance – Taxation

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    Questions We provide a basic group term life insurance policy of $50,000 to employees. We understand that providing a group life insurance policy under $50,000 would not require an imputed income calculation, but what about supplemental life insurance? Can you provide a high-level overview of group term life insurance and when an employer might have…