Insights

Sponsors and administrators of ERISA group health plans must fulfill numerous fiduciary responsibilities depending on whether the plan is fully insured or self-insured.

For decades, FEMA’s flood maps have shaped the national conversation on flood risk and who must carry flood insurance.  According to FEMA administrators via Smithsonian Magazine, FEMA’s flood maps don’t currently reflect the environmental changes.

Learn how interim HR consulting can bridge critical talent gaps, ensure compliance and enhance organizational performance during transitional periods.

We walk you through six key steps on the road to financial success. Discover insurance and investing tips, and learn how to optimize your savings and budget.

No, posting required notices on a shared computer or kiosk is not sufficient to meet the DOL’s Electronic Disclosure rules. The preamble to the final 2002 regulations specifically states that merely posting documents to a shared computer kiosk in a common area at a workplace is not an appropriate means by which to deliver documents required to be furnished to participants. As many employers head into open enrollment season, it is important to remember best practices on notice distribution requi

On July 30, 2025, Gov. Newsom signed AB 951 into law. The new law prohibits health insurers from requiring an enrollee previously diagnosed with pervasive developmental disorder or autism to receive a rediagnosis to maintain coverage for behavioral health treatment. Further, insurers cannot discontinue or delay existing treatment while waiting for a rediagnosis. The treating providers should provide the treatment plan to insurers upon request. The law is effective for policies issued or renewed

All policies issued or renewed in Oklahoma on or after November 1, 2025, must comply with the anesthesia coverage provisions of SB 1019. Specifically, a group health insurance policy may not impose a time limit on the amount of covered anesthesia services provided during a medical or surgical procedure, or restrict or exclude coverage of anesthesia time. Anesthesia time is defined as the period beginning when the patient is prepped by the anesthesia practitioner for anesthesia services and endi

All policies issued or renewed in Oklahoma on or after November 1, 2025, must comply with the cancer testing provisions of SB 109. Specifically, a group health insurance policy must provide coverage for clinical gene testing of inherited gene mutations for individuals with a personal or family history of cancer. Further, the test must be ordered or recommended by a healthcare provider in accordance with the most recent version of the NCCN clinical practice recommendations that are Category 2A o

All policies issued or renewed in Oklahoma on or after November 1, 2025, must comply with the contraceptive coverage requirements of SB 176. Specifically, a group health insurance policy that already offers coverage for contraceptive drugs must provide enrollees with the option to receive a three-month supply of a contraceptive drug the first time it is prescribed. For each subsequent time the enrollee receives the contraceptive drug, they must be able to receive a six-month supply. An enrollee