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April 08, 2024

The Key Bridge Collapse: A Reminder Of The Critical Role For A Total Cost of Risk Analysis

The tragic human and economic impacts of the Baltimore bridge collapse will unfortunately continue to unfold in the weeks ahead.  These impacts will reach well beyond Baltimore.  However, Co...

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October 09, 2023

ACA Affordability Percentage to Hit Lowest Historical Mark in 2024

On Aug. 23, 2023, the IRS issued Revenue Procedure 2023-29 which indexes the contribution percentage to be used for determination of the affordability of an employer’s medical coverage unde...

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October 09, 2023

Get Ready: New Gag Clause Attestation Deadline Approaches

It’s time for group health plan sponsors to add another reminder to their calendars before the year’s end, as nearly all plan sponsors (that’s you, employers!) are responsible for a ...

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July 06, 2023

Utilize a Captive for Better and More Cost Effective Employee Benefits

The Medical Stop-Loss Solution   Catastrophic medical claims continue to grow in size and number. What was a $1 million claim a few years ago is likely $3 million+ in today’s marketplace....

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July 05, 2023

Focus on Providing Care, Not Paying for It with Life-Long Term Care Hybrid

States Move to Fill Care-Coverage Gap as New Policies Offer Solutions   Recognizing that caring for a spouse or family member with a debilitating illness or injury can be costly, nearly 20 stat...

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June 08, 2023

Canadian Wildfire Smoke Exposure: Protecting Outdoor Workers and Mitigating Health Risks

We’re certainly in an unusual situation given the impact from the Canadian wildfires. Here’s some information you should consider if you have employees working outdoors.   Ch...

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June 05, 2023

IRS Reminder: Without Proper FSA Substantiation, All (Tax-Favored) Bets Are Off

On April 28, 2023, the IRS Office of Chief Counsel issued Memorandum Number 202317020, which serves as “Chief Counsel Advice” concerning the requirement for health and dependent care flexi...

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May 30, 2023

Hurricane Preparedness is Key to Managing Risk: 2023

Each year hurricane season lasts from June through November. NOAA released its 2023 Hurricane Season outlook on May 25th. This year, the NOAA is predicting between 12 and 17 named storms will for...

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May 18, 2023

IRS Announces Spike in HSA Figures for 2024

On Tuesday, May 16th, the IRS announced the inflation adjustments that will apply to health savings accounts (HSAs) and qualified high deductible health plans (HDHPs) beginning January 1, 2024. Due in...

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May 16, 2023

Coverage of Preventive Health Services After the Braidwood Decision

Background In 2020, the Affordable Care Act (ACA) amended the Public Health Service Act (PHSA) to require non-grandfathered group health plans and insurers of fully-insured group health plans to cove...

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May 08, 2023

Beyond Burnout: Reclaiming Purpose In Aging Services

Is It Burnout?   Working in aging services isn’t just a career, it’s a calling. And as a leader in this industry, it’s obvious that you care about people—not only the pa...

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March 29, 2023

How to Leverage Group Purchasing Power to Drive Down Benefits Costs

We at Graham are leveraging the power of economies of scale and group purchasing of like-minded Healthcare and Human Services (HHS) organizations with the goal of impacting your people and your bottom...

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March 29, 2023

New Legislation Helps Dig Florida Out of a “Judicial Hellhole”

On Friday, March 24, 2023, Florida Governor Ron DeSantis signed House Bill (HB) 837 into law. HB 837, a tort reform bill commonly referred to as the Civil Remedies bill, has far reaching ramifications...

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March 27, 2023

3 Voluntary Benefits Trends to Watch in 2023

Benefits have always been crucial for attracting and retaining top performers, and voluntary benefits are a great way for employers to round off their offerings. These extra perks allow for more perso...

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March 24, 2023

DOL Issues Adjusted Penalty Amounts for 2023

Federal regulations require the U.S. Department of Labor (DOL) to make inflationary adjustments to its civil monetary penalties by Jan. 15 of each year. Accordingly, on Jan. 15, 2023 the DOL issued th...

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