Category: Articles

  • Insider Cyber Threats: From Human Errors to Intentional Acts and Imposters

    When it comes to cyber risks, employees are the weakest link. From accidental, unintentional incidents to intentional acts from disgruntled employees to foreign state actors posing as legitimate employees to gain access to a company’s systems for nefarious purposes, insider cyber threats are a growing concern for organizations of all sizes.   Unintentional Acts Human…

  • Get Results from Your Wellness Program Instead of Just Giving Away Money

    A common problem with employer wellness programs is that they don’t really drive behavior change that improves health outcomes.   In a typical homegrown wellness program, an employer incentivizes their employees to complete basic health activities like an annual physical and lab work. The rewards often range from $150 to over $2,000 per year in some…

  • The Early Bird Gets the Worm – And Other Lessons for Better Recruitment Results

    In case you haven’t noticed, we are in the midst of the greatest advancements in technology in the history of humankind. No longer burdened by “snail mail,” “in-person applications,” “letter writing,” “paper checks” and hundreds of other time-consuming tasks, technology has changed our world. Mostly for the better (although I know I will get some…

  • How Artificial Intelligence is Improving Ben Admin Technology Platforms

    Benefits administration (ben admin) technology platforms are often miscategorized as merely “enrollment systems.” As a result, the innovation focus has primarily been on the employee annual enrollment experience. But now, thanks to artificial intelligence (AI), ben admin technology providers are bringing year-round value and efficiency to both HR administrators and their employees. System Configuration and…

  • A Cautionary Tale: Version Control and Benefit Guides

    While companies are increasingly adopting microsites, apps, HRIS systems, and other technologies to communicate their plans to employees, the benefits guide remains a common practice for organizations to showcase their insurance options and rewards or to use as a recruitment tool.   But there’s a common dilemma when it comes to benefits guides—one I often…

  • Are Chronic Conditions Driving Up Your Workers’ Comp Spend?

    There is a direct correlation between employee well-being and workplace safety. Healthier employees tend to be safer, leading to fewer on-the-job accidents. However, the presence of chronic and often co-morbid conditions, such as diabetes, obesity, arthritis, asthma, hypertension, depression, and anxiety, can impact employees’ ability to perform their jobs safely and add significant complexity to…

  • Compliance Q&A: Best Practices for Level-Funded Plan Compliance

    Question We are considering moving from a fully-insured to a level-funded group health plan. What should we be thinking about from a compliance perspective? Summary Often considered a hybrid approach, level-funded plans provide the stability of fixed premiums (similar to fully-insured plans) along with the ability to share in a degree of cost savings (a…

  • How AI Is Helping Protect Environmental Risk

    Environmental risks are uniquely complex. From remediation to brownfield development, underground storage tanks, and indoor air quality claims, no two projects—or policies—are the same. Whether you’re a contractor working with hazardous materials, a developer investing in contaminated land, or a company acquiring a business with legacy exposure, an insurance program must respond to specific, high-consequence…

  • Nuclear Verdicts Have Changed the Legal Landscape – What Fleets Must Do Differently

    For years, nuclear verdicts — jury awards exceeding $10 million — have loomed large over the transportation industry. Once considered outliers, these catastrophic losses are now an entrenched part of the legal landscape. What began as merely emotionally charged jury decisions has morphed into a sophisticated legal strategy, engineered by plaintiff attorneys who treat litigation…

  • Compliance Q&A: Accidental MEWA

    Question Our company (Company A) is a closely owned family business and there is a related company (Company B) that has somewhat similar ownership. Company A is owned by four brothers, W, X, Y and Z, and each owns 25% of the common stock. Company B is owned by the same four brothers (10% ownership…