IRS Issues Opt-out Payment Proposed Rules

29 Sep
On July 8, 2016, the Internal Revenue Service (IRS) issued proposed regulations on the Affordable Care Act’s (ACA) premium tax credit and individual mandate. The regulations also impact employers through the employer shared responsibility rules. The proposed regulations focus primarily...
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Significant Changes Proposed to Form 5500

24 Aug
On July 21, 2016, a proposed rule was published by federal regulators that seeks to modernize and improve the Form 5500 annual return/report that is filed by employee benefit plans. In general, the changes are expected to apply for plan...
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Environmental Insurance for Real Estate Transactions

17 Aug
What to Expect in Today’s Changing Marketplace As premises pollution insurance comes of age, we are experiencing definite changes in carriers offering the product, risk appetite, policy duration and price. Premises pollution insurance (also known as pollution legal liability) is...
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Zika Virus: Information to Protect Your Health

10 Aug
The Zika virus is a mosquito-transmitted infection named after the Ugandan forest where it was first discovered. Unlike other mosquito-transmitted infections, there is no vaccination to prevent or treat the Zika virus currently. Though becoming severely ill from the Zika...
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Employer Appeals of Marketplace Subsidy Notices

21 Jul
Employers have started receiving notices from Health Insurance Marketplaces (or Exchanges) when their employees are eligible for subsidies. While employers are not required to appeal incorrect Exchange eligibility determinations of their employees, doing so may be advantageous. Appealing incorrect determinations...
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EEOC Releases Final Rules on Employee Wellness Incentives

8 Jun
On May 16, 2016 the Equal Employment Opportunity Commission (EEOC) finalized the rules governing wellness program incentives under the American with Disabilities Act (ADA) and Genetic Information Nondiscrimination Act (GINA). The EEOC final rules have helped to harmonize HIPAA’s goal...
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Foodborne Illnesses Growing Ever More Elusive

31 May
General liability coverage falls short amid globalized food chains State regulators and even the CDC are increasingly challenged to pinpoint and resolve many of the causes that ignite foodborne illnesses. Globalization and mounting complexities in the food supply are fueling...
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Exchange Subsidy Appeals May Remain Paper-Based until 2017

26 May
Exchanges will begin notifying employers that they may be liable for ACA penalties when their employees are eligible for health insurance subsidies. Employers have 90 days to appeal Exchange determinations. The requirement for Exchanges to accept appeals online has been...
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