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“I really appreciate receiving the monthly HR newsletter from FIFS.  As a small business owner, I have very limited time, resources, and staff to really dive into the many HR compliance issues and regulations that I am expected to adhere to.  The newsletter provides guidance and a roadmap to focus my time and energy in the right direction.”   – Jerry M., Souderton

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USCIS Updates Form I-9 and E-Verify

April 7, 2025

On April 2, 2025, the U.S. Citizenship and Immigration Services (USCIS) updated its Employment Eligibility Verification form (Form I-9) and the Department of Homeland Security (DHS) Privacy Notice in the form’s instructions to align with statutory language. The revised Form I-9 is dated “01/20/25” and has an expiration date of “05/31/2027.”

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Employee Leave – Legal Rules

April 2025

Employees may need to take time off from work for various reasons, including for their own medical situations or family emergencies. Federal and state leave laws require employers to provide employees with leave in certain situations. 

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Class-action Lawsuits Target Health Plan Tobacco Surcharges

April 2025

Numerous class-action lawsuits have recently been filed against employers alleging that health plan premium surcharges related to tobacco use violate federal compliance requirements.

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Coping With Stress

April 2025

April is Stress Awareness Month, a time dedicated to acknowledging the commonality of stress and empowering individuals to manage it effectively.

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Navigating a Growing Array of Benefits Options

April 2025

In today’s labor market, offering a robust benefits package is essential for employee attraction, retention and well-being. 

Read More >>

Complying With COBRA Checklist

April 2025

This checklist outlines key steps for administering COBRA coverage. 

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Executive Order Directs Federal Agencies to Improve Health Care Price Transparency

April 2025

Recently, President Donald Trump issued an executive order (EO) directing federal agencies to issue new guidance to improve health care price transparency.

Read More >>

Live Well, Work Well Video

April 2025

Monthly Tips for Healthy Living: Allgery-proof Your Spring

Watch >>

5 Steps for Buying Life Insurance

April 2025

Life insurance is a crucial tool that can provide peace of mind and a financial safety net for you and your loved ones in times of loss. 

Read More >>

Small Business Tips for Overcoming HR Distrust

April 2025

HR performs several functions that are necessary for small businesses including employee recruitment, onboarding, training, payroll and benefits, compliance and employee relations. 

Read More >>

ERISA Compliance FAQs

April 2025

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers. 

Read More >>

Employers Should Start Preparing for 2025 RxDC Reporting

March 18, 2025

Group health plans and health insurance issuers must annually submit detailed information on prescription drug and health care spending to the Centers for Medicare & Medicaid Services (CMS). This reporting is referred to as the “prescription drug data collection” (or “RxDC report”).

Read More >>

Executive Order Directs Federal Agencies to Improve Health Care Price Transparency

March 2025

On Feb. 25, 2025, President Donald Trump issued an executive order (EO) titled Making America Healthy Again by Empowering Patients With Clear, Accurate, and Actionable Healthcare Pricing Information. By making more meaningful price information available to patients, this EO aims to promote a more competitive, innovative, affordable and higher-quality health care system.

Read More >>

Small Business Compliance Checklist

March 2025

Compliance is the act of adhering to federal, state and local laws and regulations. It’s an essential part of any business’s operations, regardless of size or industry. Ensuring compliance can aid employers in mitigating risks and avoiding hefty fines and penalties.

Read More >>

4 Tips to Save on Health Care Expenses

March 2025

Once again, health care costs are expected to rise this year. However, there are ways that you can reduce your spending. Consider these four tips:

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ERISA Fiduciary Breach Claims Dismissed in Prescription Drug Lawsuit

March 2025

On Jan. 24, 2025, a U.S. District Court for the District of New Jersey dismissed two claims in a class-action lawsuit filed against Johnson & Johnson (J&J), which alleged that the company breached its fiduciary duties under ERISA by mismanaging its prescription drug benefits plan and costing the plan and its participants millions of dollars due to higher out-of-pocket costs for prescription drugs and higher premiums, among other things.

Read More >>

Newly Passed Legislation Modifies ACA Reporting Requirements

March 2025

At the end of 2024, Congress passed two new laws, the Paperwork Burden Reduction Act and the Employer Reporting Improvement Act. These laws eased the Affordable Care Act (ACA) reporting requirements for employers and set new limits on the IRS’ assessment of “pay-or-play” penalties, among other changes.

Read More >>

Small Businesses Expect to Increase Employee Count in 2025

March 2025

Nearly 2 in 3 CEOs of small and midsized businesses (SMBs) expect their total number of employees to increase in 2025, according to a quarterly analysis by Vistage, a CEO coaching organization.

Read More >>

Live Well, Work Well Video

March 2025

Monthly Tips for Healthy Living: The Power of Protein

Watch >>

15 Drugs for Medicare Price Negotiations

March 2025

The U.S. Department of Health and Human Services selected 15 additional drugs subject to Medicare Part D price negotiations. Manufacturers with a selected drug had until Feb. 28 to decide whether to participate in negotiations; then, negotiations will continue through 2025.

Read More >>

Form 5500 Exemption for Small Welfare Benefit Plans

March 2025

Employers that are subject to ERISA must file an annual report (Form 5500) with the Department of Labor (DOL) for their employee benefit plans. The Form 5500 must be filed by the last day of the seventh month following the end of the plan year, unless the employer requests an extension.

Read More >>

Employee Benefit Plan Limits for 2025

March 2025

Many employee benefits are subject to annual dollar limits that are adjusted for inflation by the IRS each year. The following commonly offered employee benefits are subject to these limits:

Read More >>

The Connection Between Diet and Mental Health

March 2025

Good nutrition is essential not only for physical health but also for mental well-being. The foods you eat profoundly influence your mood, cognitive function and ability to manage stress. A healthy, well-balanced diet can help you think clearly and be more alert.

Read More >>

Avoiding Common FLSA Overtime Mistakes

March 2025

The federal Fair Labor Standards Act (FLSA) requires employers to pay nonexempt employees with overtime pay for every hour they work over 40 during a workweek. Overtime pay must be paid at a rate of one and one-half the employee’s regular rate of pay.

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Federal Court Partially Blocks Trump DEI Executive Order

February 26, 2025

On Feb. 21, 2025, the U.S. District Court for the District of Maryland issued a nationwide preliminary injunction, temporarily blocking certain provisions of Executive Orders (EO) 14151 and 14173 issued by President Donald Trump on Jan. 20, 2025, and Jan. 21, 2025, respectively.

Read More >>

Best Practices for Preparing for Immigration Raids

February 6, 2025

The federal government has recently increased its immigration enforcement efforts. This trend will likely continue in the foreseeable future, increasing employers’ potential risk of being subject to worksite enforcement action.

Read More >>

Independence Insider

News and updates for Independence Blue Cross Employers

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Medicare Part D Disclosures Due by March 1, 2025

February 3, 2025

Each year, group health plan sponsors are required to complete an online disclosure form with the Centers for Medicare & Medicaid Services (CMS), indicating whether the plan’s prescription drug coverage is creditable or non-creditable.

Read More >>

How the Trump Administration May Impact the Employee Benefits Landscape

February 2025

President Donald Trump returned to the White House on Jan. 20. This transition is expected to bring changes to employee benefits. Here are some potential implications:

Read More >>

Live Well, Work Well Video

February 2025

Monthly Tips for Healthy Living

Watch >>

EEO-1 Reporting Requirements

February 2025

The EEO-1 Report is a federally mandated survey that collects workforce data categorized by race, ethnicity, sex and job category. Under Title VII of the Civil Rights Act (Title VII), employers with 100 or more employees and certain federal contractors must report this data to the Equal Employment Opportunity Commission (EEOC) by March 31 every year.

Read More >>

Mental Health Minute

February 2025

“Holding space” has become a viral phrase lately, but it’s not a new concept. Holding space is about being present for someone in a way that allows them to feel seen, heard and valued. Mental health professionals say this practice involves being fully present with someone else without trying to solve their problems or minimize them. This is a healthy practice that can help reduce stress, anxiety and depression.

Read More >>

Small Business Bulletin

February 2025

Health care costs are projected to increase substantially in 2025. Estimates show a similar growth in spending as in 2024, marking multiple years of compounding costs.

Read More >>

New ACA Reporting and Penalty Relief

February 2025

At the end of 2024, Congress passed two new laws, the Paperwork Burden Reduction Act and the Employer Reporting Improvement Act, which eased Affordable Care Act (ACA) reporting requirements for employers and set new limits on the IRS’ assessment of “pay-or-play” penalties.

Read More >>

Pay Equity Audits Checklist

February 2025

Pay equity is the practice of compensating employees the same when they perform the same or similar job duties while accounting for factors such as experience, job performance and tenure. This practice considers all forms of compensation, such as salary, overtime pay, bonuses and other benefits.

Read More >>

Telehealth Exception Has Expired for Calendar-year HDHP/HSA Plans

February 2025

In response to the COVID-19 pandemic, the U.S. Congress enacted legislation that temporarily allowed high deductible health plans (HDHPs) to provide benefits for telehealth services before plan deductibles were met. This relief became effective in 2020 and was repeatedly extended.

Read More >>

ERISA Preemption of State PBM Laws

February 2025

The issue of whether the federal Employee Retirement Income Security Act of 1974 (ERISA) preempts state laws is complex, with numerous courts ruling differently on the issue for a wide variety of different state health insurance regulations.

Read More >>

Key Takeaways From the CAA-mandated Prescription Drug Cost Report

February 2025

The Consolidated Appropriations Act, 2021 (CAA) mandates that group health plans and health insurance issuers submit annual data on premiums, enrollment, medical spending and prescription drug rebates to various departments to address this. This initiative, known as the Prescription Drug Data Collection (RxDC), aims to enhance transparency in prescription drugs and health care spending.

Read More >>

Trump Issues Executive Order Combating Private Sector DEI Efforts

January 21, 2025

On Jan. 21, 2025, President Donald Trump issued an executive order (EO) titled Ending Illegal Discrimination and Restoring Merit-Based Opportunity. The EO aims to combat illegal diversity, equity and inclusion (DEI) programs in both the federal and private sectors.

Read More >>

Live Well, Work Well

January 2025

Monthly Tips for Healthy Living

Watch >>

Reducing Health Care Costs in 2025

January 2025

Health care costs are likely to increase by 7%-8% in 2025. As health care affordability remains an issue for many American workers, consider taking these steps to reduce your health care costs this year:

Read More >>

PCORI Fee Amount Adjusted for 2025

January 2025

The IRS recently issued Notice 2024-83 to increase the Patient-Centered Outcomes Research Institute (PCORI) fee amount for plan years ending on or after Oct. 1, 2024, and before Oct. 1, 2025.

Read More >>

2024 Minimum Wage Rates By State

January 2025

Under federal and state laws, employers must compensate their employees with one and one-half their regular rate of pay for any hours of overtime work. However, under these laws, employees who work in an executive, administrative or professional (EAP) capacity are exempt from overtime pay if they satisfy, among other things, the salary level requirements for their exemption.

Read More >>

Form 5500 Deadline is July 31

January 2025

Each year, employers that are subject to the Employee Retirement Income Security Act of 1974 (ERISA) must electronically file an annual report (Form 5500) for each employee benefit plan they maintain unless a filing exemption applies.

Read More >>

Group Health Plan Fiduciary Litigation on the Rise

January 2025

Enforcement of the strict standards of fiduciary conduct set forth in the Employee Retirement Income Security Act (ERISA) has traditionally been reserved for retirement plan sponsors. However, a new wave of litigation highlights the importance of employers’ adherence to their fiduciary duties when managing their group health plans.

Read More >>

Key Drivers of 2025 Health Care Cost Increases

January 2025

Health care costs in the United States are likely to increase by 7%-8% in 2025, marking multiple years of compounding costs. As 2025 begins, many employers remain curious about what is driving these increases.

Read More >>

Building Good Mental Wellness Habits for the New Year

January 2025

As a new year starts, many of us reflect on the past and set resolutions for the future. Although physical health goals often take center stage, focusing on mental wellness is equally important.

Read More >>

Survey: Employees Struggling With Drug Prescription Costs

January 2025

The latest Patient Experience Survey by Pharmaceutical Research and Manufacturers of America (PhRMA) revealed that more than half (51%) of Americans with health insurance can’t anticipate what they’ll pay for prescription medications.

Read More >>

Religious Accommodations Checklist

January 2025

Title VII of the Civil Rights Act of 1964 (Title VII) prohibits covered employers from discriminating against individuals because of their religion in hiring, firing or any other terms and conditions of employment.

Read More >>

Mastering SBC Distributions

December 16, 2024

Your summary of benefits and coverage (SBC) empowers eligible employees with essential information about the medical benefits you offer.

Properly distributing your SBC ensures compliance with the Affordable Care Act (ACA) and avoids potential penalties. Below is a simple guide to help you satisfy your SBC distribution obligations.

Read More >>

President-elect Trump Announces Secretary of Labor Nomination

December 6, 2024

In a recent post, President-elect Donald Trump issued a statement announcing his nomination of Rep. Lori Chavez-DeRemer, R-Ore, for the U.S. Secretary of Labor.

Read More >>

From the HR Hotline – 4th Quarter

December 2024

In recent months, employers have been requesting clarification or seeking guidance on midyear benefits election changes, the U.S. Department of Labor’s (DOL) new overtime rule, Affordable Care Act (ACA) eligibility and specific leave of absence situations, including those under the Family and Medical Leave Act (FMLA). This article explores questions and answers to common HR situations.

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More States Preparing for Pay Transparency Rules in 2025

December 2024

States and localities have been adding pay transparency requirements since 2021. Several states have pay transparency laws going into effect in 2025, including the following:

Read More >>

In the Loop

December 2024

On Oct. 23, 2024, the U.S. Centers for Disease Control and Prevention (CDC) director endorsed a COVID-19 vaccination recommendation by the CDC’s Advisory Committee on Immunization Practices (ACIP).

Read More >>

Preventing Employee Fraud

December 2024

Employee fraud is when an employee knowingly lies to, steals from or deceives their employer to make personal gains. According to the National Federation of Independent Business, this type of fraud occurs in approximately two-thirds of U.S. small businesses.

Read More >>

Understanding the Key Drivers of 2025 Health Care Cost Increases

December 2024

Health care costs are projected to increase substantially in 2025—likely by 7%-8%. Estimates show a similar growth in spending to 2024, marking multiple years of compounding costs. Here are the key factors impacting these costs in 2025:

Read More >>

Compliance Tracker

December 2024

Federal law prohibits health plans and issuers from entering into contracts with health care providers, third-party administrators (TPAs) or other service providers that contain gag clauses (i.e., clauses restricting the plan or issuer from providing, accessing or sharing certain information about provider price and quality and de-identified claims). Plans and issuers must submit an annual attestation of compliance with this requirement by Dec. 31.

Read More >>

IRS Releases Employee Benefit Plan Limits For 2025

December 2024

Many employee benefits are subject to annual dollar limits that are updated for inflation before the beginning of each calendar year. Most of these annual dollar limits increase for 2025.

Read More >>

The Power of Gratitude and Positive Thinking

December 2024

It can be easy to get caught up in everyday stress and negativity. However, practicing gratitude can be a powerful tool to improve mental health. Gratitude involves recognizing and appreciating life’s positive aspects, which can reduce stress, anxiety and depression.

Read More >>

Federal Court Vacates DOL’s Final Overtime Rule Nationwide

November 15, 2024

On Nov. 15, 2024, the U.S. District Court for the Eastern District of Texas vacated the U.S. Department of Labor’s (DOL) final rule to amend current requirements that employees in white-collar occupations must satisfy to qualify for an overtime exemption under the Fair Labor Standards Act (FLSA).

Read More >>

Implications of the 2024 Election on Employee Benefits and Health Care

November 2024

Millions of Americans have submitted ballots for the 2024 presidential election, and voting concludes on Tuesday, Nov. 5. With a new presidential administration set to take over the White House in January, health care-related topics are a high-priority issue for many voters.

Read More >>

Compliance Tracker

November 2024

As 2024 approaches its end, employers should review their compliance to ensure that all required activities will be completed by the end of the year. This review may include the following tasks:

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ACA Information Reporting Penalites Released for Returns Filed in 2026

November 2024

IRS Revenue Procedure 2024-40 includes updated penalty amounts that may apply to reporting entities that fail to comply with the Affordable Care Act’s (ACA) requirements under Internal Revenue Code Sections 6055 and 6056. The increased amounts apply to 2025 information returns and individual statements that are required to be filed and furnished in 2026.

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Mercer Report Projects 5.8% Health Benefits Cost Increase in 2025

November 2024

U.S. employers estimate health benefit costs will increase by 5.8% in 2025, according to Mercer’s 2024 National Survey of Employer-sponsored Health Plans. This would mark the third consecutive year that the total cost per employee rose more than 5%.

 Read More >>

A Workplace Guide to Promote a Mental Health-Friendly Workplace

November 2024

This Workplace Guide shares more about this important issue and outlines things we can all do to promote a mental health-friendly workplace.

Read More >>

Report Shows More Employers Are Adapting Pay Transparency Practices

November 2024

A recent WTW survey found that the majority of North American employers have pay transparency policies in place due to increased regulatory requirements. In general, larger companies are adapting pay transparency practices quicker than smaller ones.

Read More >>

Final Forms and Instructions for 2024 ACA Reporting Now Available

November 2024

The IRS has released final 2024 forms and instructions for reporting under Internal Revenue Code Sections 6055 and 6056.

Read More >>

Content Digest Top 10 Employee Benefit Resources

November 2024

Looking to stay up to speed on content in Zywave’s products? Review our trending content from the past month.

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Motivating Employees to Spend More Time With Open Enrollment

November 2024

A Voya Financial survey revealed that the average American spends far more time on social media each day than reviewing their benefits information for just one day during open enrollment. In fact, nearly 7 in 10 (69%) employees spend 30 minutes or fewer reviewing their options.

Read More >>

Election Day Anxiety and How to Manage It

November 2024

Election season can be a time of heightened stress and anxiety for many people. The constant barrage of news, social media updates and political discussions can feel overwhelming. Sometimes, these feelings may even linger beyond Election Day.

Read More >>

10 Tips to Winterize Your Business

November 2024

As winter approaches, it is crucial for small businesses to prepare for the challenges the season’s weather brings. Whether it’s potential property damage or changes in customer behavior, winter can significantly impact a company’s operations.

Read More >>

IRS Expands List of Preventive Care Benefits for HDHPs

October 17, 2024

On Oct. 17, 2024, the IRS issued Notice 2024-75 (the Notice) to expand the list of preventive care benefits permitted to be provided by a high deductible health plan (HDHP) without a deductible (or with a deductible below the minimum deductible) to include…

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How Employers Should Handle MLR Rebates

October 2024

Employers that receive MLR rebates should review the rebate rules and decide how they will administer the rebates. Any rebate amount that qualifies as a “plan asset” under ERISA must be used for the exclusive benefit of the plan’s participants and beneficiaries. Also, employers should use this portion of the rebate within three months of its receipt to avoid ERISA’s trust requirements.

Read More >>

Benefits Toolkit

October 2024

Almost half (48%) of HR professionals plan to increase family health benefits in the next two to three years, according to Maven’s 2024 State of Fertility & Family Benefits report.

Read More >>

USCIS Extends Form I-9 Expiration Date

October 2024

Recently, the U.S. Citizenship and Immigration Services (USCIS) announced that it updated its Employment Eligibility Verification form, also known as Form I-9, to extend the form’s expiration date from July 31, 2026, to May 31, 2027.

Read More >>

Employers Project 8% Increase in Health Care Costs in 2025

October 2024

A recent survey of employers by the International Foundation of Employee Benefit Plans (IFEBP) revealed that U.S. employers estimate a median 8% increase in health care costs for 2025. Catastrophic health claims and rising specialty prescription drug prices are driving the projected increase. 

Read More >>

Report Finds Weight Loss Drugs Key Driver of 2025 Health Care Cost Increase

October 2024

A recent Business Group on Health (BGH) survey found that heightened interest and spending on glucagon-
like peptide-1 (GLP-1) drugs is a major driver of rising health care costs in 2025.

Read More >>

Mental Health Parity: New Comparative Analyses Requirements

October 2024

On Sept. 9, 2024, the Departments of Labor, Health and Human Services, and the Treasury (Departments) released a final rule to strengthen the requirements of the Mental Health Parity and Addiction Equity Act (MHPAEA). The final rule focuses on nonquantitative treatment limitations (NQTLs) that health plans and health insurance issuers place on mental health and substance use disorder (MH/SUD) benefits.

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Compliance Tracker

October 2024

Employers must disclose to individuals whether their health plan’s prescription drug coverage is creditable or noncreditable by Oct. 14, 2024. This notice must be provided to Medicare-eligible individuals who are covered by the plan’s prescription drug coverage. Model notices are available for employers to use.

Read More >>

ACA’s Pay-or-Play Affordability Percentage Increases for 2025

October 2024

On Sept. 6, 2024, the IRS released the affordability percentage threshold for 2025 plan years under the Affordable Care Act’s (ACA) pay-or-play rules. These rules require ALEs to offer affordable, minimum-value health coverage to their full-time employees (and dependents) or risk paying a penalty.

Read More >>

Report: Employee Happiness Declining in 2024

October 2024

Employee satisfaction has plummeted to its lowest point in four years, according to BambooHR’s most recent Employee Happiness Index.

Read More >>

Mental Health: Depression

October 2024

Everyone occasionally has bouts of sadness, but these feelings are usually temporary. When a person has a depressive disorder, it interferes with daily life. Depression is a common but serious illness.

Read More >>

IBX Newsletters

If you are an employer who offers an Independence Blue Cross or Keystone Health Plan East plan to your employees, please sign up for IBX Works (click this link if you have under 51 employees) or Independence Insider (contact us to sign up if you have 51-999 employees).  These newsletters are specifically for you & your employees and contain pertinent information regarding IBX’s new platform migration, along with other helpful information & resources, delivered twice a month. 

From the HR Hotline – 3rd Quarter 2024

September 2024

Zywave’s HR Hotline serves as a valuable resource for navigating the pressing challenges facing workplaces today. This newsletter explores some questions and answers to common HR topics.

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Early Preparation Is Crucial for 2025 Open Enrollment

September 2024

With the 2025 open enrollment season around the corner, employers have an opportunity to develop attractive benefits offerings and proactively communicate with employees to win them over. Early preparation can help show employees they are valued, convince top performers seeking job changes to stay in their current positions and attract new talent.

Read More >>

Reports Find Majority of Employees Likely to Stay in Current Job

September 2024

Recent reports have found that most employees are choosing to stay with their employers. As the labor market becomes less worker-friendly, employees are less likely to search for new jobs.

Read More >>

2024 Midyear Benefits Trends to Monitor

September 2024

Understanding the latest benefits trends can help employers evaluate their offerings to best meet employee needs, respond effectively to their challenges and gain an advantage over competitors. The following are the latest benefit trends to watch in the second half of 2024.

Read More >>

Consumer Prices Dropped in June For the First Time in 4 Years

September 2024

The U.S. Bureau of Labor Statistics reported that the consumer price index (CPI) rose 3% year over year in June, declining from 3.3% in May. This is the first time since May 2020 that the monthly rate has shown a decrease.

Read More >>

Mental Health: Anxiety Disorders

September 2024

Anxiety disorders commonly occur in conjunction with other mental or physical illnesses, last at least six months and can get worse without treatment.

Read More >>

Compliance Tracker

September 2024

Employers with insured health plans might receive rebates if their health insurance issuers did not meet their medical loss ratio (MLR) percentage for 2023. Rebates must be provided by Sept. 30 following the end of the MLR reporting year.

Read More >>

DOL Updates Model Employer CHIP Notice

September 2024

The U.S. Department of Labor (DOL) has released a new model employer Children’s Health Insurance Program (CHIP) notice with information that is current as of July 31, 2024.

Read More >>

Increased Civil Penalty Amounts for SBC, MSP, HIPAA Violations

Aug 8, 2024

On Aug. 8, 2024, the U.S. Department of Health and Human Services (HHS) published a final rule increasing key penalties affecting group health plans.

Read More >>

From the HR Hotline

Aug 2024

Here are the top five trending topics employers asked about in June 2024.

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Keeping Up With Compliance – Quarterly Newsletter

3rd Quarter 2024

Keeping up with compliance developments can be difficult and time-consuming.  This quarterly update highlights recent legal developments to help your organization stay on top of new requirements and minimize compliance risks.

Read More >>

The Impact of SCOTUS Overruling Chevron Deference

Aug 2024

This month’s In the Loop Newsletter highlights the impact of SCOTUS overruling Chevron deference and employees’ benefits-related rights.

Read More >>

Spousal Incentive HRAs

Aug 2024

Spousal incentive health reimbursement arrangements (HRAs) are a type of tax-advantaged medical reimbursement account that employers use as a cost-saving strategy.

Read More >>

Benefits Buzz

Aug 2024

The 5th U.S. Circuit Court of Appeals recently ruled that a key component of the Affordable Care Act’s (ACA) preventive care mandate is unconstitutional. 

Read More >>

Fostering a Culture of Workplace Safety

Aug 2024

Fostering a strong safety culture provides many benefits to an organization.  In addition to reducing the risk of workplace accidents, such a culture can also help improve employee morale, enhance a small business’s reputation, and minimize related costs and liabilities.

Read More >>

OSHA Proposes Heat Injury and Illness Prevention Standard 

Aug 2024

The U.S. Department of Labor’s (DOL) Occupational Safety and Health Administration (OSHA) recently announced an unofficial version of the proposed standard to protect workers from heat injury and illness.

Read More >>

What Employers Should Know About Precision Medicine

Aug 2024

Precision medicine, also known as personalized medicine, aims to customize medical care by considering the unique characteristics of each patient.  The approach focuses on getting the right treatment to the patient at the right time and for the right price.

Read More >>

Getting Ready for Open Enrollment

Aug 2024

Employers with calendar-year plans should start preparing for open enrollment for the plan year starting Jan. 1, 2025.  This process should include reviewing your company’s benefit offerings, working with vendors to make any benefit adjustments…

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The Connection Between Mental Health and Chronic Illness

Aug 2024

Living with a chronic illness can be draining, both physically and mentally.  As such, people who live with a chronic illness are at a higher risk of developing a mental health condition.

Read More >>

Attraction & Retention Quarterly Newsletter

3rd Quarter 2024

The U.S. Bureau of Labor Statistics’ recent Job Openings and Labor Turnover Summary revealed that the economy added 272,000 nonfarm payroll jobs in May, marking an acceleration in hiring following 165,000 gains in April.

Read More >>

U.S. Workers Are Satisfied With Their PTO, But Don’t Exhaust It

July 2024

A new Harris Poll survey found that most employed Americans are satisfied with their company’s paid time off (PTO) policy; however, 3 in 4 said they didn’t use the maximum PTO permitted by their employer.

Read More >>

IRS FAQs on Educational Assistance Programs

July 2024

The Internal Revenue Service (IRS) has issued frequently asked questions (FAQs) that provide general information on educational assistance programs under Section 127 of the Internal Revenue Code (Code).

Read More >>

Biden Administration Cancels $7.7 Billion in Student Debt for 160,000 Borrowers

July 2024

On May 21, 2024, President Joe Biden announced that an additional 160,000 Americans would get their student debt—a collective $7.7 billion—canceled. With this move, the Biden-Harris administration has offered a total of $167 billion in loan forgiveness to 4.75 million Americans

Read More >>

How the DOL’s New Overtime Rule Could Impact Employee Benefits

July 2024

A recent U.S. Department of Labor (DOL) final rule increases the salary thresholds used to determine whether executive, administrative and professional (EAP employees are exempt from overtime pay under federal law.

Read More >>

Boost Your Mental Well-being by Saying Goodbye to Stress

July 2024

If you’re feeling stressed at work, you’re among the 80% of Americans who feel the same way.  Stress affects your mental health, but it can show itself in other ways too.

Read More >>

Report: Heath Care Costs Are 254% Higher for Privately Insured Patients Than Those With Medicare

July 2024

A new RAND report revealed that in 2022, private insurers paid hospitals an average of 254% more than what Medicare would have paid for the same services, a jump from 224% in 2020.

Read More >>

Compliance Tracker

July 2024

Find out what compliance requirements are due in July.

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PCORI Fees Are Due by July 31, 2024

July 2024

The Affordable Care Act requires employers with self-funded health plans and health insurance issuers to pay Patient-Centered Outcomes Research Institue fees (PCORI fees).  The fees are reported and paid annually using IRS Form 720, the Quarterly Federal Excise Tax Return.

Read More >>

ERISA Penalties Awarded for Failing to Respond to Request for Information

June 25, 2024

The U.S. District Court for the District of Montana recently awarded over $32,000 in penalties against an employer’s self-insured health plan and its third-party administrator (TPA) for failing to provide information to a plan participant upon request.

Read More >>

From the HR Hotline: 2nd Quarter 2024

June 2024

Our HR consultants continue to provide expertise and serve as a valuable resource for navigating the pressing challenges facing employers today. The HR Hotline fields dozens of questions each day from employers seeking answers to their HR questions.

Read More >>

Group Health Plan Fiduciary Litigation on the Rise

June 2024

Enforcement of the strict standards of fiduciary conduct outlined in the Employee Retirement Income Security Act (ERISA) has traditionally been reserved for retirement plan sponsors. However, a new class-action lawsuit against Johnson & Johnson highlights the importance of employers’ adherence to their fiduciary duties when managing their group health plans.

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Compliance Tracker – June 2025

June 2024

Find out what reporting requirements are due to make sure you are up-to-date with your compliance obligations.

Read More >>

HSA/HDHP Limits Will Increase for 2025

June 2024

On May 9, 2024, the IRS released Revenue Procedure 2024-25 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2025.

Read More >>

Stay Interview Best Practices

June 2024

Stay interviews attempt to discover what makes an employee want to work—or stop working—for the organization and any aspects of the company that need to be addressed to make working there more attractive.

Read More >>

Health Panel Drops Breast Cancer Screening Age to 40

June 2024

On April 30, 2024, the U.S. Preventive Services Task Force (USPSTF) recommended that women get a mammogram every other year starting at age 40 and continuing until they are 74. Nearly one year after this screening guidance was drafted in May 2023, the health panel’s recommendations have been finalized without major changes.

Read More >>

HR Brief

June 2024

Recently, the U.S. Department of Labor (DOL) announced a final rule to amend current requirements employees in white-collar occupations must satisfy to qualify for an overtime exemption under the Fair Labor Standards Act (FLSA). The final rule will take effect on July 1, 2024.

Read More >>

Sleep and Mental Health  

June 2024

Not only is your physical health affected when you don’t get enough sleep, but it also takes a toll on your mental health. In fact, mental health and sleep are so closely related that a lack of sleep can often lead to issues such as anxiety or depression.

Read More >>

HSA/HDHP Limits Will Increase for 2025

May 9, 2024

On May 9, 2024, the IRS released Revenue Procedure 2024-25 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2025.

Read More >>

New HIPAA Rule Will Require Updates to Privacy Notices

May 3, 2024

On April 26, 2024, the U.S. Department of Health and Human Services (HHS) issued a final rule that strengthens the HIPAA Privacy Rule by prohibiting the disclosure of protected health information (PHI) related to lawful reproductive health care in certain situations.

Read More >>

Small Business Bulletin

May 2024

Employers of all sizes continue to face attraction and retention challenges. Successful efforts to win over workers can require significant time and carry high costs, but failing to attract talent or losing existing employees is particularly costly for small businesses.

Read More >>

Responding to the DOL’s New Overtime Rule

May 2024

On April 23, 2024, the U.S. Department of Labor (DOL) announced a final rule to amend current requirements employees in white-collar occupations must satisfy to qualify for an overtime exemption under the Fair Labor Standards Act (FLSA).

Read More >>

Keeping Up With Compliance – Quarterly Newsletter

2nd Quarter 2024

Keeping up with compliance developments can be difficult and time-consuming. This quarterly update highlights recent legal developments to help your organization stay on top of new requirements and minimize its compliance risks.

Read More >>

HR Brief

May 2024

OSHA recently announced its final rule that clarifies the rights of employees to authorize a representative to accompany an OSHA compliance safety and health officer (CSHO) during a walkaround inspection of their workplace.

Read More >>

CDC Drops 5-day Isolation Guidance for COVID-19

May 2024

On March 1, 2024, the Centers for Disease Control and Prevention (CDC) released new guidance for individuals who test positive for coronavirus (COVID-19).

Read More >>

Compliance Tracker – May 2024

May 2024

Employers should regularly review their compliance with federal, state and local employment laws. During 2024, this review may include:

Read More >>

Prescription Drug Report is Due by June 1, 2024

May 2024

Group health plans must annually submit detailed information on prescription drug and health care spending to the federal government. This reporting is referred to as the “prescription drug data collection,” or the “RxDC report.”

Read More >>

Your Wellness Matters

May 2024

Your mental health plays a large role in your overall well-being. Millions of Americans face mental health challenges each year.

Read More >>

Mental Health Parity Compliance Remains a Key Focus in 2024

May 2024

The federal government is continuing its efforts to improve access to mental health and substance use disorder (MH/SUD) care in 2024, with a top enforcement priority being compliance with the Mental Health Parity and Addiction Equity Act (MHPAEA) for employer-sponsored health plans.

Read More >>

Benefits Toolkit – Life Insurance

April 2024

Employer-provided life insurance is an essential component of a comprehensive benefits package, as it demonstrates a company’s commitment to the welfare of its employees beyond their day-to-day work responsibilities.

Read More >>

Primer on Precision Medicine

April 2024

Precision medicine, also known as personalized medicine, tailors medical treatment and interventions to each patient’s individual characteristics.

Read More >>

HR Brief

April 2024

The U.S. Equal Employment Opportunity Commission (EEOC) recently announced that the portal for private-sector employers to submit equal employment opportunity workforce data (EEO-1 Reports) from 2023 will open on April 30, 2024. The deadline to file is June 4, 2024.

Read More >>

White House Cancels $1.2 Billion in Student Debt for More Than 150,000 Borrowers

April 2024

On Feb. 21, 2024, President Joe Biden approved $1.2 billion in student debt cancellation for almost 153,000 borrowers currently enrolled in Saving on a Valuable Education (SAVE) repayment plans, lowering their financial burden.

Read More >>

4 Employment Policies to Review in 2024

April 2024

The employment policies in employee handbooks are important for establishing employee expectations, addressing workplace issues and defending against potential lawsuits. However, failing to update these policies regularly can make employers vulnerable to legal risks and liabilities, resulting in costly fines, penalties and attorney fees.

Read More >>

The Mental Health Benefits of Exercise

April 2024

While physical exercise is known to be good for your body, it also can help your mind. Research continues to validate that exercise can improve mental health by reducing anxiety, depression and a negative mood.

Read More >>

Compliance Tracker Newsletter

April 2024

Applicable large employers (ALEs) and non-ALEs with self-insured plans must file their ACA returns with the IRS by April 1, 2024, if filing electronically. Beginning in 2024, most employers are required to file their ACA returns electronically.

Read More >>

DOL Releases ERISA Enforcement Results for 2023

April 2024

The U.S. Department of Labor (DOL) has released the results of its Employee Benefits Security Administration’s (EBSA) enforcement actions during fiscal year (FY) 2023.

Read More >>

Biden Budget Proposes National Paid Family and Medical Leave

March 22, 2024

President Joe Biden’s proposed budget for fiscal year 2025 includes a national paid family and medical leave program and urges Congressional action on mandatory paid sick leave.

Read More >>

Prescription Drug Reporting (RxDC Report) due by June 1, 2024

March 7, 2024

The No Surprises Act (NSA), enacted as part of the Consolidated Appropriations Act, 2021 (CAA), includes transparency provisions requiring group health plans to report information on prescription drugs and health care spending to the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments). 

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From the HR Hotline – 1st Quarter 2024

March 2024

Our HR consultants continue to provide expertise and serve as a valuable resource for navigating the pressing challenges facing employers today. The HR Hotline fields dozens of questions each day from employers seeking answers to their HR questions.

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March Compliance Tracker

March 2024

Applicable large employers (ALEs) and non-ALEs with self-insured health plans must furnish ACA coverage statements to employees by March 1, 2024.

Read More >>

Keeping Up With Compliance Quarterly

March 2024

Keeping up with compliance developments can be difficult and time-consuming. This quarterly update highlights recent legal developments to help your organization stay on top of new requirements and minimize its compliance risks.

Read More >>

IRS Releases ACA Pay-or-Play Penalties for 2025

March 2024

The IRS recently released updated penalty amounts for 2025 related to the employer-shared responsibility (pay-or-play) rules under the Affordable Care Act (ACA).

Read More >>

Managing Rising Health Care Costs in 2024

March 2024

Employees and employers alike can expect their health care costs to increase in 2024. In fact, many anticipate health care costs growing between 6% and 8.5% in 2024, the largest increase in over a decade.

Read More >>

4 Ways AI Could Impact the Workplace in 2024

March 2024

Artificial intelligence (AI) garnered attention from every industry in 2023, revolutionizing how organizations operate and make decisions.

Read More >>

USCIS Issues Final Rule to Adjust Certain Immigration & Naturalization Fees

March 2024

Recently, the U.S. Citizenship and Immigration Services (USCIS) released a final rule to increase immigration and naturalization fees for multiple employment-based petitions and applications, effective April 1, 2024.

Read More >>

4 Mental Health Tips for Remote & Hybrid Employees 

March 2024

When working remotely, the line between work and home can easily become blurred, negatively impacting mental health.

Read More >>

Cybersecurity Best Practices

March 2024

Cyberattacks are becoming more frequent and complex, and businesses of all sizes and industries are potential targets. In fact…

Read More >>

Key Health Plan Notice Updates for 2023, 2024, and Beyond

February 16, 2024

Employers should be aware of updates to several model notices that can be used to comply with certain disclosure requirements that apply to their group health plans under federal laws.

Read More >>

DOL Releases Audit Results of ERISA Enforcement During 2023

February 14, 2024

The U.S. Department of Labor (DOL) has released the results of its Employee Benefits Security Administration’s (EBSA) enforcement actions during fiscal year (FY) 2023.

Read More >>

DOL Releases Updated Model Employer CHIP Notice

February 1, 2024

The Department of Labor (DOL), through its Employee Benefits Security Administration (EBSA), has released a new model Employer CHIP Notice with information current as of Jan. 31, 2024.

Read More >>

Retirement Changed in 2023; Are You Prepared?

February 2024

The past year has brought changes in the retirement landscape that demand workers’ attention.

Read More >>

Small Business Bulletin

February 2024

In today’s market, HR professionals must adapt to the changing expectations of organizations and employees amid difficult economic conditions. As such, proactive HR leaders and professionals will approach 2024 with strategies that incorporate artificial intelligence (AI) into everyday operations, satisfy employee demands for greater compensation and flexibility, and conform to evolving compliance standards.

Read More >>

Compliance Tracker Newsletter

February 2024

Employers must post OSHA Form 300A by Feb. 1, 2024, in each establishment in a conspicuous place or places where notices to employees are customarily posted.

Read More >>

5 Key Employee Benefits Trends in 2024

February 2024

Attracting and retaining employees has been a challenge for employers since the onset of the COVID-19 pandemic. In 2024, the labor market is expected to cool slightly; however, competition for talent will remain.

Read More >>

HR Brief

February 2024

In today’s market, HR professionals must adapt to the changing expectations of organizations and employees amid difficult economic conditions. To aid HR professionals in meeting these challenges, here are three HR trends to follow in 2024.

Read More >>

Selecting a Mental Health Professional

February 2024

For the many Americans that seek help from mental health professionals, selecting a provider is an important decision that should be made carefully.

Read More >>

ACA Reporting Deadlines are Approaching

February 2024

Employers subject to Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 or 6056 should prepare to comply with upcoming reporting deadlines.

Read More >>

DOL Releases Benefit-related Penalty Amounts for 2024 

January 11, 2024

On Jan. 11, 2024, the U.S. Department of Labor (DOL) published the 2024 inflation-adjusted civil monetary penalties that may be assessed for a wide range of employee benefit-related violations.

Read More >>

Compliance Bulletin 

January 8, 2024

Employers subject to Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 or 6056 should prepare to comply with reporting deadlines in early 2024. The following employers are subject to ACA reporting under Sections 6055 and 6056:

Read More >>

January 2024 Compliance Tracker 

January 2024

As 2024 begins, employers should review their compliance with federal, state and local employment laws.  This calendar summarizes compliance deadlines for January 2024 and provides important compliance reminders for the start of the year.

Read More >>

The Impact of Sleep on Mental Health

January 2024

Not only is your physical health affected when you don’t get enough sleep, but it also takes a toll on your mental health. In fact, mental health and sleep are so closely related that a lack of sleep can often lead to issues such as anxiety or depression.

Read More >>

Small Business Bulletin

January 2024

Recent findings from payroll provider ADP showed that small businesses hired more than large employees during the fall of 2023.

Read More >>

HR Brief

January 2024

Recently, the National Labor Relations Board (NLRB) announced it would push the effective date of the new joint employer rule to Feb. 26, 2024.

Read More >>

2024 Limits to Know

January 2024

Many benefits plans have updated limits for the new calendar year. Understanding these limits can help you successfully manage your finances in the new year.

Read More >>

Health Plans Must Expand Price Comparison Tool for 2024

January 2024

Beginning in 2024, group health plans and health insurance issuers must expand the internet-based price comparison tool they make available to participants, beneficiaries and enrollees so that it includes all covered items, services, and drugs.

Read More >>

Benefits Breakdown

January 2024

4 key trends driving employer health care costs in 2024…

Read More >>

2023 Employer Reporting Requirements

December 13, 2023

This document outlines sections 6055 & 6056, the “B” and “C” forms, and the employer reporting obligations to both employees and the IRS.

Read More >>

Small Business Bulletin

December 2023

The last months of the year are a great time for small businesses to ensure they’re prepared for everything that needs to be done.

Read More >>

Healthy Habits That Can Lower Your Risk of Depression

December 2023

A recent international study published in the Nature Mental Health journal found that certain lifestyle factors can reduce the risk of depression by 57%.

Read More >>

Managing Financial Stress During the Holidays

December 2023

If the holiday shopping season stresses you out, you’re not alone….

Read More >>

In the Loop

December 2023

The U.S. Social Security Administration (SSA) recently announced that the average monthly Social Security check for retired workers will rise 3.2% or $59, to $1,906 next year.

Read More >>

HR Brief

December 2023

The Internal Revenue Service (IRS) has released Notice 2023-75, containing cost-of-living adjustments for 2024 that affect amounts employees can contribute to 401(k) plans and individual retirement accounts (IRAs).

Read More >>

Employee Financial Wellness Programs

December 2023

A lack of financial knowledge can hold anyone back.  When left with few reliable financial resources, employees may continue to struggle.

Read More >>

IRS Announces Employee Benefit Plan Limits for 2024

December 2023

Many employee benefits are subject to annual dollar limits that are updated for inflation before the beginning of each calendar year.  Most of these annual dollar limits will increase in 2024.

Read More >>

2024 Open Enrollment Checklist

November 1, 2023

To get ready for open enrollment, employers who sponsor group health plans should be aware of the legal changes affecting the design and administration of their health plans for plan years beginning on or after Jan. 1, 2024.

Read More >>

Benefits Buzz

November 2023

The IRS has released final 2023 forms and instructions for reporting under Internal Revenue Code Sections 6055 and 6056.

Read More >>

Benefits Breakdown

November 2023

According to the World Health Organization, 1 in 6 people struggle with fertility issues. The journey to parenthood can be costly and challenging, so it’s not surprising that family planning-related stress often impacts employees’ work performance.

Read More >>

Live Well, Work Well

November 2023

The Centers for Disease Control and Prevention (CDC) reports that over 37 million American adults have diabetes, and 1 in 5 don’t know they have it.

Read More >>

Small Business Bulletin

November 2023

Open enrollment can be an overwhelming time for small businesses. They must choose a benefits package that balances cost and value, as well as facilitate the enrollment process for employees.

Read More >>

HR Brief

November 2023

The IRS has released draft instructions for 2023 Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 and 6056. Draft forms for 2023 reporting were previously released in July.

Read More >>

In The Loop

November 2023

On Sept. 21, 2023, the Biden administration announced an initiative that would prevent unpaid medical bills from impacting Americans’ credit scores.

Read More >>

Mental Health Minute

November 2023

Daylight Saving Time’s impact on the brain…

Read More >>

PCORI Fee Amount Adjusted for 2024

October 18, 2023

The Internal Revenue Service (IRS) has issued Notice 2023-70 to increase the Patient-Centered Outcomes Research Institute (PCORI) fee amount for plan years ending on or after Oct. 1, 2023, and before Oct. 1, 2024. T

Read More >>

Health Care Reform: How Employers Should Handle MLR Rebates

October 2, 2023

Employers that receive MLR rebates should review the rebate rules and decide how they will administer the rebates. Any rebate amount that qualifies as a “plan asset” under ERISA must be used for the exclusive benefit of the plan’s participants and beneficiaries. Also, employers should use this portion of the rebate within three months of its receipt to avoid ERISA’s trust requirements.

Read More >>

Benefits Breakdown

October 2023

More of today’s employers are educating their employees on surprise medical bills, cost-sharing and choosing a health plan. This can help workers reduce health care costs for themselves and their organizations. Consider these strategies…

Read More >>

HR Brief

October 2023

Recently, the U.S. Department of Labor (DOL) announced a proposed rule to amend current requirements employees in white-collar occupations must satisfy to qualify for an overtime exemption under the Fair Labor Standards Act (FLSA).

Read More >>

In the Loop

October 2023

Artificial intelligence (AI) has contributed to significant advances across many industries. Now, many people are using AI as a tool for self-diagnosis or to get answers to health-related questions.

Read More >>

Live Well, Work Well

October 2023

Influenza (flu) season lasts from October through May in the United States, with peak season between December and March.  Since the start of the COVID-19 pandemic….

Read More >>

Mental Health Minute

October 2023

How can grounding techniques help manage feelings?

Read More >>

Small Business Bulletin

October 2023

Artificial intelligence (AI) has made its way into many workplaces nationwide and is rapidly changing how organizations operate and make decisions.

Read More >>

Prescription Drug Notices Due by October 15

September 25, 2023

Each year, group health plan sponsors must disclose whether the plan’s prescription drug coverage is creditable to all Medicare Part D-eligible individuals. The notice must be provided by Oct. 15, the beginning of the annual enrollment period for Medicare Part D. This is true even when, as in 2023, Oct. 15 falls on a weekend.

Read More >>

MLR Rebate Checks To Be Issued Soon

September 20, 2023

As a reminder, insurance carriers are required to satisfy certain medical loss ratio (“MLR”) thresholds. This generally means that…

Read More >>

Benefits Insights

September 2023

Inflation’s impact on 2024 Open Enrollment…

Read More >>

Small Business Bulletin

September 2023

As small businesses compete amid ongoing talent shortages, often with fewer resources than large companies, they may need to get creative in their attraction and hiring efforts.

Read More >>

HR Brief

September 2023

New Form I-9 includes remote verification procedures for E-Verify users…

Read More >>

In the Loop

September 2023

The Biden administration recently launched a beta website for its new student debt loan repayment plan, the Saving on a Valuable Education (SAVE) plan.

Read More >>

Live Well, Work Well

September 2023

In the pursuit of a fulfilling life, happiness is a goal for many.  However, happiness is not an isolated concept…

Read More >>

Benefits Breakdown

September 2023

2024 Open Enrollment: the power of early preparation…

Read More >>

Mental Health Minute

September 2023

Recent research indicates that the communication between your brain and your gut plays a crucial role in your overall health.

Read More >>

HR Compliance Bulletin

August 30, 2023

On Aug. 30, 2023, the U.S. Department of Labor (DOL) announced a proposed rule to amend current requirements employees in white-collar occupations must satisfy to qualify for an overtime exemption under the Fair Labor Standards Act (FLSA).

Read More >>

Checklist for Completing Form I-9

August 21, 2023

Federal law requires employers to hire only individuals who may legally work in the United States – either U.S. citizens or authorized foreign nationals.  To comply with the law, employers must verify the identity and employment authorization of each individual they hire….

Read More >>

News Brief

August 17, 2023

The U.S. Equal Employment Opportunity Commission (EEOC) settles its first AI Discrimination Case.

Read More >>

ERISA Compliance FAQs

August 3, 2023

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers. ERISA includes requirements for both retirement plans (for example, 401(k) plans) and welfare benefit plans (for example, group health plans).

Read More >>

Benefits Buzz

August 2023

On July 13, 2023, the U.S. Food and Drug Administration (FDA) announced that it approved the first nonprescription daily oral contraceptive to prevent pregnancy.

Read More >>

HR Brief

August 2023

Recently, the Equal Employment Opportunity Commission (EEOC) announced that the date for employers to begin submitting 2022 EEO-1 Reports is delayed again, this time with a tentative new opening date in the fall of 2023.

Read More >>

In the Loop

August 2023

In many parts of the country, wildfire season is now in full effect. Wildfires pose a serious threat to life, property, and health.

Read More >>

Small Business Bulletin

August 2023

As talent shortages persist across industries, an increasing number of small businesses are grappling with the need to adapt to this “new normal” to address this challenge effectively.

Read More >>

Live Well, Work Well

August 2023

Self-discipline is an important skill that can enable you to reach personal and professional goals. Developing self-discipline is like strengthening muscles; it can be improved with practice.

Read More >>

Benefits Breakdown

August 2023

Strategies for identifying and resolving gaps in benefits offerings.

Read More >>

Mental Health Minute

August 2023

Happiness is a positive emotion that can include feelings of gladness, satisfaction, joy, and well-being. Many Americans desire happy, fulfilling lives. However, happiness is not an isolated feeling. It’s complex and connected to your overall physical and mental health.

Read More >>

Do You Have An Employee Losing Medicaid Coverage?

July 25, 2023

On July 20, 2023, the Departments of Labor, Health and Human Services and the Treasury (Departments) released a letter calling on employers who sponsor group health plans to extend their HIPAA special enrollment periods beyond 60 days for individuals who lose coverage under Medicaid or the Children’s Health Insurance Program (CHIP).

Read More >>

New Form I-9 Available Aug. 1, 2023

July 25, 2023

On July 21, 2023, the U.S. Citizenship and Immigration Services (USCIS) announced a new version of Form I‑9, also known as the Employment Eligibility Verification form. 

Read More >>

President Biden Announces New Actions Intended to Provide Debt Relief

July 24, 2023

President Joe Biden recently announced a new plan to pursue debt cancellation under the Higher Education Act (HEA).

Read More >>

Are You Ready for a World Driven by Artificial Intelligence?

July 18, 2023

Artificial intelligence (AI) impacts almost every area of society. And as groundbreaking technologies like generative AI emerge, this impact will increase in the coming years.

Read More >>

Important Update: COBRA Timeframes Resuming

July 13, 2023

The temporary pause on COBRA payments and timeframes, which was extended during the COVID-19 National Emergency, came to an end on July 10, 2023. 

Read More >>

What the Groff v. DeJoy SCOTUS Opinion Means for Employers

July 10, 2023

On June 29, 2023, the U.S. Supreme Court issued its opinion in Groff v. DeJoy. The case significantly heightens the bar for employers looking to deny an employee’s request for a religious accommodation.

Read More >>

HR Brief

July 2023

The IRS recently released Revenue Procedure 2023-23 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2024. The IRS is required to publish these limits by June 1 of each year.

Read More >>

Benefits Breakdown

July 2023

Cell and gene therapy (CGT) is a treatment that modifies a patient’s genetic code to treat or cure specific diseases.

Read More >>

Live Well, Work Well

July 2023

At some point throughout the summer, you may spend time outside with family and friends at a picnic or backyard barbecue. If you aren’t careful about handling foods and beverages during these cookouts, you’re putting yourself and others at risk for potential food-related illnesses.

Read More >>

In the Loop

July 2023

Self-discipline is a crucial skill that can help you reach professional goals and milestones.  It describes your ability to focus on a task or goal to accomplish it.

Read More >>

Mental Health Minute

July 2023

A Healthline survey recently found that 25% of people say social media negatively impacts their mental well-being, and more than half (53%) believe cutting down on social media use could improve their mental health.

Read More >>

Small Business Bulletin

July 2023

Employee fraud, which involves deliberate dishonesty, theft or deception by an employee for personal gain, is prevalent in nearly two-thirds of U.S. small businesses, according to the National Federation of Independent Business.

Read More >>

EEOC Issues New Posters With PWFA Updates for June 27, 2023, & After

June 27, 2023

The Equal Employment Opportunity Commission (EEOC) has issued new posters that include information about the Pregnant Workers Fairness Act (PWFA).

Read More >>

ERISA Compliance FAQs

June 23, 2023

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers.

Read More >>

Creating a Job Description Checklist

June 20, 2023

Crafting an effective job description is a crucial step in attracting top talent and ensuring a successful hiring process.

Read More >>

HR Insights

June 1, 2023

“Bare Minimum Monday” is one of many recent employment trends to gain popularity on social media. Similar to “quiet quitting,” this trend entails employees prioritizing their work-life

Read More >>

Health Care Overview

June 1, 2023

Group health plans and health insurance issuers are subject to many new requirements designed to increase health care transparency and protect consumers against surprise medical bills. These requirements come from final rules regarding transparency in coverage (TiC Final Rules), which were issued by the Departments of Labor, Health and Human Services and the Treasury (Departments) in November 2020, and the Consolidated Appropriations Act, 2021 (CAA), which was signed into law in December 2020.

Read More >>

News Brief

June 1, 2023

The U.S. Equal Employment Opportunity Commission (EEOC) recently released technical assistance focusing on preventing discrimination against applicants and employees because of employers’ use of algorithmic decision-making tools when making employment decisions.

Read More >>

Benefits Buzz Newsletter

June 2023

On May 16, 2023, the IRS released Revenue Procedure 2023-23 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2024.

Read More >>

HR Brief Newsletter

June 2023

Recently, the U.S. Department of Homeland Security (DHS) and the U.S. Immigration and Customs Enforcement (ICE) announced that employers have until Aug. 30, 2023, to complete the physical inspection of identity and employment eligibility documents for any employee whose Employment Eligibility Verification form (Form I-9) was completed virtually according to the temporary flexibilities extended during the COVID-19 pandemic.

Read More >>

Benefits Breakdown Newsletter

June 2023

What employers need to know about Medicaid redeterminations…

Read More >>

In the Loop

June 2023

Anxiety is common and can have a significant impact on the workplace.

Read More >>

Live Well, Work Well Newsletter

June 2023

As we move into summer, many will want to exercise outdoors to stay active and get some fresh air. That’s great news, as health experts recommend at least 150 minutes of moderate aerobic activity each week.

Read More >>

Mental Health Minute 

June 2023

While physical exercise is known to be good for your body, it also can help your mind. Research continues to validate that exercise can improve mental health by reducing anxiety, depression, and negative moods.

Read More >>

Small Business Bulletin 

June 2023

With fewer employees, small businesses tend to be more dependent on workers’ individual performance. As a result, there’s often a lot at stake for a small business when hiring and developing talent.

Read More >>

DOL Issues Opinion Letter About Holidays During FMLA Leave

May 31, 2023

On May 30, 2023, the Wage and Hour Division (WHD) of the U.S. Department of Labor issued Opinion Letter FMLA2023-2-A: “Whether Holidays Count Against an Employee’s FMLA Leave Entitlement and Determination of the Amount of Leave Taken.”

Read More >>

Legalized Marijuana State Laws & Related Employment Laws

May 15, 2023

Employers should become familiar with all applicable laws before implementing or enforcing any workplace policies regarding employee marijuana use. This infographic highlights state laws for legalized marijuana and related employment laws.

Read More >>

HR Insights

May 1, 2023

The introduction of artificial intelligence (AI) tools such as ChatGPT, Eightfold and HireVue is forever changing the HR landscape.

Read More >>

Legal Update

May 1, 2023

Aiming to promote responsible innovation in automated systems—including those marketed as artificial intelligence or AI—four federal agencies have issued a joint statement pledging to monitor the development and use of these systems and vigorously enforce anti-discrimination laws as they become more common.

Read More >>

HR Brief

May 2023

Under Title VII of the Civil Rights Act (Title VII), employers with 100 or more employees and certain federal contractors must submit a report about their workforces to the Equal Employment Opportunity Commission (EEOC) by March 31 every year.

Read More >>

Benefits Buzz

May 2023

How the end of the COVID-19 National Emergency impacts health plan deadlines.

Read More >>

Mental Health Minute

May 2023

Learn how to elevate your psychological resiliency…

Read More >>

Small Business Bulletin

May 2023

Vendors provide access to expertise, products, and services that help a business run. Vendor management is important for a small business’s overall success and growth because it can help organizations control costs, minimize risks and improve services, but the practice can be challenging.

Read More >>

Benefits Breakdown

May 2023

Rapidly increasing health care costs will likely continue to impact employers for the foreseeable future. The introduction of biosimilar drugs as an alternative to biologics may bring value to health care by offering cost savings and increasing employee access to necessary medications.

Read More >>

In the Loop

May 2023

The U.S. Food and Drug Administration (FDA) recently approved the sale of Narcan, a brand name for the drug naloxone and the standard treatment for opioid overdose, without a prescription.

Read More >>

Live Well, Work Well

May 2023

Mental Health Awareness Month, observed every May, is a time to raise awareness and break the stigma about mental health, and support people with mental illness.

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Legal Update

April 27, 2023

The deadline for health plans and health insurance issuers to submit their second prescription drug data collection (RxDC) report is June 1, 2023. This is an annual reporting requirement; plans and issuers will generally submit these reports by June 1 of each year, reporting information for the prior calendar year.

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ACA Compliance Bulletin

April 24, 2023

On April 13, 2023, the Departments of Labor, Health and Human Services, and the Treasury (Departments) issued frequently asked questions (FAQs) regarding the Affordable Care Act’s (ACA) preventive care coverage requirement.

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Guidance Issued on Emergency Period Expiration

April 14, 2023

This Compliance Bulletin contains guidance released in FAQ 58; however, President Joe Biden subsequently signed a House Bill on April 10, 2023 immediately ending the National Emergency, which may change certain dates referenced below. It is possible that FAQ 58 will be updated to reflect new dates. The signed Bill did not change the end of the Public Health Emergency, which remains May 11, 2023.

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Legal Update

April 12, 2023

On April 10, 2023, President Biden signed a resolution ending the COVID-19 national emergency that had been in place since 2020. The Biden administration had previously announced a May 11, 2023, end date to both the national emergency and the public health emergency (PHE), but the signing of the bipartisan legislation terminates the national emergency as of April 10, 2023.

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Compliance Overview

April 5, 2023

ERISA Compliance FAQs: What is an ERISA Plan?

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Benefits Breakdown

April 3, 2023

Americans spend less than one hour on health plan options during open enrollment…

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Small Business Bulletin

April 3, 2023

Artificial intelligence (AI) chatbot ChatGPT has recently made waves for producing human-like text from user inputs. Accessible to anyone with a computer and internet connection, ChatGPT produces usable written material on a wide range of topics.

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HR Brief

April 3, 2023

DOL issues guidance on Telework and FMLA eligibility.

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In the Loop

April 2, 2023

Global spending on prescription drugs will reach nearly $1.8 trillion by 2026, with the United States
alone spending up to $715 billion…

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Benefits Buzz Newsletter

April 2, 2023

On Feb. 23, 2023, the Departments of Labor, Health and Human Services, and the Treasury (Departments) issued FAQs on the prohibition of gag clauses…

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Mental Health Minute

April 1, 2023

When times get tough, instinct often pushes people toward coping mechanisms. These mechanisms can help people feel like they’re…

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Live Well, Work Well

April 1, 2023

According to the Asthma and Allergy Foundation of America (AAFA), allergies are the nation’s sixth-leading cause of chronic illness.

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Legal Update

March 30, 2023

On March 30, 2023, the U.S. District Court for the Northern District of Texas issued a ruling that affects portions of the Affordable Care Act’s (ACA) preventive care services requirement.

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Senate Votes to End COVID-19 National Emergency Declaration Early

March 29, 2023

On March 29, 2023, the U.S. Senate passed a resolution that would end the COVID-19 national emergency declaration that has been in place since 2020.

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Compliance Overview

March 16, 2023

Under ERISA, employer-sponsored welfare benefit plans, such as group health plans, must be described in a written plan document.

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Benefits Breakdown

March 3, 2023

5 Mental Health Employee Benefit Trends for 2023.

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HR Insights

March 3, 2023

Nearly two decades ago, more employers started requiring college degrees for positions that previously did not require one…

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ACA Compliance Bulletin

March 2, 2023

Section 1557 of the Affordable Care Act (ACA) prohibits discrimination based on race, color, national origin, sex, age or disability in certain health programs and activities.

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Benefits Buzz

March 2, 2023

On Jan. 30, 2023, the Biden administration announced that it plans to end the COVID-19 public health emergency (PHE) and national emergency on May 11, 2023.

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Live Well, Work Well

March 2, 2023

March is recognized as National Nutrition Month, making it a great time to evaluate the food and beverages you’re putting into your body.

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In the Loop

March 1, 2023

The future of work-from-anywhere arrangements.

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Mental Health Minute

March 1, 2023

Enhancing mental health with nutrition.

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Small Business Bulletin

March 1, 2023

Cybersecurity tips for small businesses.

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Health Care Bulletin

February 24, 2023

On Feb. 23, 2023, the Departments of Labor, Health and Human Services and the Treasury (Departments) issued FAQs on the prohibition of gag clauses under the transparency provisions of the Consolidated Appropriations Act, 2021 (CAA).

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2023 HR Compliance Calendar

February 15, 2023

Use this HR calendar to keep track of important compliance tasks for 2023.

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News Brief

February 9, 2023

On Tuesday, Feb. 7, President Joe Biden delivered the 2023 State of the Union address where he discussed Employee Benefits and the workplace.

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Health Care Overview

February 6, 2023

Group health plans and health insurance issuers are subject to many new requirements designed to increase healthcare transparency and protect consumers against surprise medical bills.

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Benefits Buzz

February 3, 2023

The Consolidated Appropriations Act, 2023 (CAA) extends the ability of high deductible health plans (HDHPs) to provide benefits for telehealth…

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In the Loop

February 3, 2023

The Federal Trade Commission (FTC) recently announced a proposed rule that would ban noncompete clauses in employment agreements.

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Small Business Bulletin

February 3, 2023

Small businesses have faced unprecedented challenges over the last few years. Many are hoping for a calmer 2023…

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Live Well, Work Well

February 2, 2023

Some people wake up ready to take on the day, while others may need more time or a cup of coffee to start their day.

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HR Brief

February 2, 2023

In 2023, it’s critical for employers to consider how to prepare for economic uncertainty and build resilient, prepared organizations.

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Benefits Breakdown

February 2, 2023

There’s no denying that employees’ needs have changed in recent years.

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HR Compliance Overview

February 1, 2023

The current federal minimum wage rate is $7.25 per hour. However, several states have adopted minimum wage rates higher than the federal rate.

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Health Care Bulletin

January 31, 2023

The Biden Administration has announced its plan to end the COVID-19 national emergency and public health emergency (PHE) on May 11, 2023.

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Amazon Launches Subscription-based Prescription Drug Service

January 26th, 2023

On Jan. 24, Amazon announced a new Prime membership benefit from Amazon Pharmacy. RxPass will be available only as a subscription service for customers who have Amazon Prime memberships.

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Small Business Bulletin

January 24th, 2023

A recession is a prolonged and pervasive reduction in economic activity that can last for several months or years. 

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Benefits Buzz Newsletter

January 14th, 2023

On Dec. 12, 2022, the IRS released a final rule that extends the annual furnishing deadlines for Sections 6055 and 6056 reporting under the Affordable Care Act (ACA). 

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Live Well, Work Well

January 12th, 2023

Winter is one of the most challenging times of the year to collect enough blood products and donations to meet patient needs. That’s why National Blood Donor Month is celebrated every January.

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HR Brief

January 11th, 2023

There’s no denying that employees’ needs have changed over the past few years, and many workers are paying more attention to their benefits and wondering how to stretch their dollars further.

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In The Loop

January 11th, 2023

Many employee benefits are subject to annual dollar limits that are adjusted for inflation each year by the IRS.

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Benefits Breakdown

January 10th, 2023

Many employee benefits are subject to annual dollar limits that the IRS adjusts for inflation each year. The IRS typically announces the dollar limits that will apply for the next calendar year well before the beginning of that year.

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Benefits Insights

January 10th, 2023

Benefits have always been crucial for attracting and retaining top performers. For 2023, employers are uniquely positioned to offer more than just a health care plan, including holistic benefits, resources and perks that today’s workers most need.

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2023 Limits to Know

January 8th, 2023

Many benefit plan limits have changed for the new calendar year. Here are some limits to review for 2023.

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ACA Compliance Bulletin

January 7th, 2023

Employers subject to Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 or 6056 should prepare to comply with reporting deadlines in early 2023.

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CMS Releases Cost-sharing Limits for 2024 Plan Years

January 7th, 2023

On Dec. 12, 2022, the Centers for Medicare and Medicaid Services (CMS) released the maximum limits on cost sharing for 2024 under the Affordable Care Act (ACA).

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