Insights

The onset of low temps and fierce storms may snowball in unexpected ways that could challenge your life — and your bank account.

The answer will depend on the reason the employee took leave and whether the leave is for a medical reason or not. HIPAA prohibits discrimination based on a health factor. Before HIPAA was implemented, many plans had provisions stating that employees had to be actively-at-work on the day their coverage would otherwise begin. However, one of the implications of HIPAA is that any plan that has an actively-at-work clause must treat an employee who is absent because of a health issue as being at wo

The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025, after nearly six weeks of deliberations and amendments in both chambers of Congress. While the final version omits several of the health and welfare benefit provisions in the originally introduced legislation, the bill, as enacted, contains a number of changes for employee benefits that will largely go into effect in 2026. This article answers six common benefit questions from employers related to HSA eligibility and te

On August 12, 2025, in Erban v. Tufts Medical Center Physicians Organization, et al., a Massachusetts district court found that the fiduciaries of an ERISA group life insurance plan breached their fiduciary duties to provide accurate and complete information to a terminally ill participant and his spouse regarding coverage continuation options. The ruling provides helpful insights for ERISA plan fiduciaries regarding their disclosure obligations to participants and beneficiaries, particularly t

On August 13, 2025, the District Court of the Eastern District of Pennsylvania vacated federal rules that provided exemptions for contraceptive coverage requirements imposed by the ACA. The court determined that those rules violated the federal Administrative Procedure Act (APA). Background The ACA requires health insurance plans to cover women’s preventive services, including contraceptive services. However, due to rulemaking and several court cases, exemptions were allowed for religious organ

On July 30, 2025, the state of Delaware enacted HB 128, amending the Healthy Delaware Families Act, which governs the state’s Paid Family and Medical Leave Insurance Program. The amendment prohibits employers from requiring employees to use accrued paid time off before accessing PFMLA. In addition, employees applying for paid family leave benefits must disclose any outstanding child support obligations to the Delaware Department of Labor. Employers must also coordinate other available benefits

On June 25, 2025, Gov. Green signed SB 1281 into law. The law extends the temporary requirement for reimbursement parity in telehealth services and permits reimbursable mental health services to be provided via audio-only. Specifically, reimbursement for telehealth services provided via audio and video must be equivalent to reimbursement for the same services provided via in-person contact. With respect to audio-only mental health services, the law requires reimbursement equivalent to 80% of th

It took one horrific incident to reveal the risks association board members face. What are your liabilities when serving on a condo or co-op board?

The NFP Benefits Compliance team reviews the differences between health savings accounts, flexible spending arrangements, health reimbursement arrangements, and more.