Insights

On February 3, 2026, the president signed into law the Consolidated Appropriations Act, 2026 (CAA 2026), which includes significant pharmacy benefit manager (PBM) reforms that will impact all group health plans.  

On January 30, 2026, the Employee Benefits Security Administration (EBSA), the DOL agency responsible for enforcement of ERISA, reported monetary recoveries totaling over $1.4 billion in its report on enforcement activities for fiscal year (FY) 2025. The EBSA oversees approximately 2.8 million health plans, as well as welfare benefit plans and private pension plans. These ERISA-covered plans cover over 150 million workers, retirees, and dependents who participate in private-sector pension and w

Likely no. Employer STD policies are typically not sufficient to meet state PFML requirements. While STD policies are designed to provide income replacement for an employee’s own serious health condition, PFML programs provide income replacement for a much broader scope of leave reasons. Additionally, PFML program requirements are state-specific, and a basic STD plan typically will not satisfy each state’s unique requirements.   Statutory PFML programs generally apply to an employee who wo

Celebrate National Nutrition Month by skipping diet trends and choosing whole, minimally processed foods for better energy and wellbeing.

For one NFP client, a single phishing incident led to a complex wire fraud scheme involving nearly $3 million in unauthorized transfers. This is how they recovered the full amount of the stolen funds.

Explore how employers can leverage targeted point solutions to enhance workforce health and outcomes.

Regularly reviewing financial risks like market volatility, health issues, income loss, and premature death helps protect long term goals.

Recent federal actions highlight growing momentum around prescription drug pricing transparency, PBM reform and employer pharmacy strategy.

Even well‑intentioned employers can find themselves out of compliance with employee benefits requirements — the rules are complex, evolve frequently, and can intersect with benefits administration in unexpected ways. Many compliance issues arise from common operational gaps, outdated assumptions, or misunderstood regulatory obligations rather than deliberate noncompliance. Reviewing common compliance blind spots can help reduce risk and strengthen overall plan governance. 1. Failing to send COB