"EPLI" Archives

  1. ACA Compliance Bulletin-PCORI Fees Reinstated Through 2029

    A federal spending bill enacted at the end of 2019 included several provisions affecting benefit plans. The bill repealed three major taxes and fees under the Affordable Care Act (ACA)—the Cadillac tax, the medical devices excise tax and the health insurance providers fee. The law also extended the PCORI fees for an additional 10 years. […]

  2. Federal Appeals Court Issues Affordable Care Act Ruling

    OVERVIEW On Dec. 18, 2019, a federal appeals court ruled in Texas v. Azar that the Affordable Care Act’s (ACA) individual mandate is unconstitutional due to the elimination of the individual mandate penalty in 2019. The appeals court remanded the case to the lower court to determine whether the rest of the ACA can remain […]

  3. California Mandates Employee Training to Combat Human Trafficking

    OSHA's Crystalline Silica Rule

    OVERVIEW California has enacted two laws that require certain employers in the hospitality and transit industries to provide employee training on how to recognize and report human trafficking. The new laws, known as SB 970 and AB 2034, went into effect on Jan. 1, 2019, but give subject employers until Jan. 1, 2020 or 2021 […]

  4. Coverage in Action: Employment Practices Liability Insurance (EPLI)

    by Elaine

    From hiring new workers to assigning duties, each of your decisions affects employees in a unique way. Although these actions are critical to running your business, they also create exposures that could lead to costly claims by employees or governmental regulators. Even if they are not warranted, claims for wrongful employment practices can disrupt operations, […]

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  5. Common Exposures of Craft Breweries

    Ninety-seven percent of breweries currently operating in the United States are classified as regional craft brewers, microbreweries or brewpubs. This section of the industry differs from more traditional, large-scale brewers, presenting owners with a unique set of risks that must be considered. Premise Liability When you open your property to the general public you are […]

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  6. OSHA Recommends the Use of Leading Indicators

    OSHA recently launched a new webpage encouraging safer workplaces through the use of leading indicators. Leading indicators are proactive and preventive measures that can shed light on the effectiveness of safety and health activities, and reveal potential problems in a safety and health program. One example of a leading indicator may be the amount of […]

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  7. CALIFORNIA ENACTS STATE INDIVIDUAL MANDATE

    by Elaine

    OVERVIEW On June 28, 2019, California Governor Gavin Newsom signed into law a state budget for 2019-2020 that establishes a state individual mandate, effective Jan. 1, 2020. This state-based individual mandate will require California residents to maintain acceptable health coverage or pay a penalty, beginning in 2020. This new mandate was enacted in response to […]

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  8. DOL Enforcement Actions Up and are Expected to Stay That Way

    by Elaine

    U.S. Secretary of Labor Alexander Acosta recently told the House Labor, Health and Human Services, Education and Related Agencies Appropriations Subcommittee that he “fully expects” OSHA inspections to increase once new inspectors are trained. Acosta’s remarks are in line with the significant increase in enforcement actions employers have seen in the past two fiscal years. […]

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  9. The Employee Handbook: Best Defense against Employee Lawsuits

    Writing, reviewing and updating your company’s employee handbook may seem like an arduous and thankless task, but don’t give up. It’s your best defense against employee lawsuits. One key function of any employee handbook is to orient new arrivals to your company, providing answers to frequently asked questions. But it also must serve as a […]

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  10. Know Your Numbers: Coverage Gaps Often Lead to Massive Unanticipated Costs

    Coverage gaps can often prove fatal to organizations of many shapes and sizes. While this is known to many business owners in an abstract sense, we’d like to make it more concrete. How much can it really cost to have gaps in your coverages? Which coverages are most often overlooked? Which are most costly? Two […]

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