Insurance Policies

  •  

    To a great extent, you may have to swallow the cost of rising health care benefits. But one alternative that many employers are taking advantage of is the cafeteria plan. These plans can reduce your costs and give employees more choice and flexibility of benefits. Unlike traditional one-size-fits-all benefits – which offer employees a...

    Hot Topic
  •  

    An employer failed to forward the short-term disability (STD) premium it deducted from an employee's paycheck to the insurance company. When the employee filed for STD benefits after she was fired, the insurance company denied her claim. She sued, but the employer escaped liability under the Employee Retirement Income Security Act (ERISA) because...
  •  

    It's nearing the end of the year. You want to reward your employees for their hard work and dedication. But before you close up shop for the day to start the festivities or stage that after-hours holiday party, stop and think about the possible ramifications and what you can do to minimize the risk that your good intentions will sow a bad result...
  •  

    Fresno business owner ordered to pay restitution in workers' comp fraud. A farm labor contractor in Fresno was sentenced in Kings County Superior Court on December 4 on one felony count of insurance fraud and ordered to pay restitution of nearly $4.2 million to the State Compensation Insurance Fund (SCIF), SeaBright Insurance, and the Employment...
  •  

    If an insurance plan denies benefits to a plan participant, she can appeal that decision in court. If the plan language gives the administrator enough discretion over the ultimate decision, the court is required to uphold the insurance plan's decision. But if the plan language doesn't give the administrator discretion, the court gets to look at...
  •  

    Most Montana employers carry commercial general liability (CGL) insurance covering their business and their property. Those policies apply primarily to accidental or negligent conduct. Most complaints brought by employees against employers don't arise from accidents but are based on intentional acts like termination, discrimination, or, in one...
  •  

    On January 25, 2013, the U.S. Department of Health and Human Services (HHS) issued final regulations implementing major amendments to the Health Insurance Portability and Accountability Act (HIPAA). The HIPAA amendments were enacted in 2009 by the Health Information Technology for Economic and Clinical Health Act (HITECH Act). The HITECH Act is...
  •  

    On its website, the American Hospital Association (AHA) defines "clinical integration" as "the coordination of patient care across conditions, providers, settings, and time in order to achieve care that is safe, timely, effective, efficient, equitable, and patient-focused." Expressed that way, it has to rank right up there with loving Mom and...
  •  

    A crucial component of the Affordable Care Act (ACA) is its online health insurance marketplace. Through the marketplace, qualified individuals, employees, and their families will be able to find health insurance plans and compare prices, coverage, and features that are important to them. Small employers can qualify for tax credits, subsidies,...
  •  

    On May 2, Governor Lincoln Chafee signed into law a series of amendments to Title 15 of the Rhode Island General Laws that will (when they take effect on August 1, 2013) afford several of the same rights to same-sex married couples in Rhode Island as those enjoyed by opposite-sex married couples. The immediate and most recognizable effect of the...
Syndicate content