Insights

Last month, the New Jersey Department of Banking and Insurance (NJDOBI) issued guidance directed at health insurers regarding coverage of childhood immunizations, including Hepatitis B. The bulletin requires insurers to continue coverage of all childhood immunizations recommended by the New Jersey Department of Health (NJDOH) without cost-sharing and without the imposition of additional barriers. The bulletin was issued in response to revised federal guidance from the CDC. Specifically, the CDC

On December 19, 2025, the IRS issued Notice 2026-6, extending the transition period for federal tax and reporting requirements related to State Paid Family and Medical Leave (PFML) programs to calendar year 2027. By way of background, numerous states have implemented their own state-mandatory PFML programs to provide partial wage replacement for eligible employees who need to take time off from work due to an employee’s own serious health condition or disability, or to care for a family member

On December 17, 2025, the Oregon Department of Consumer and Business Services (DCBS) issued Temporary Administrative Order ID 15-2025 on ground ambulance reimbursement requirements for health benefit plans issued, renewed, or extended on or after January 1, 2026. Ground ambulance services include medical treatment and care provided at the scene of an emergency/during transport to a healthcare facility, or between healthcare facilities when medically necessary. The Temporary Administrative Order

On January 5, 2026, the DOL issued two opinion letters concerning potential uses of FMLA leave. Opinion letters are official written opinions on how a law the agency enforces applies to a specific workplace situation. We discussed the agency’s opinion letter program in our June 17, 2025, Compliance Corner article. While the first letter applies specifically to school employees, the second letter has broader applicability. Partial School Closures The first letter, FMLA2026-1, clarifies how schoo

On January 1, 2026, Oregon Senate Bill 692 took effect. The legislation requires commercial health benefit plans to cover perinatal services, including services provided by doulas, lactation counselors, and lactation educators. The legislation also requires the Oregon Health Authority to create a perinatal services access program that increases these services, including issuing grants to eligible entities with demonstrated ability to offer community-based services to pregnant or postpartum indi

You pay your car insurance premiums each month, trusting that your policy will protect you when the unexpected happens. But what if it doesn’t?

You might assume that Medicare will pay for all your long-term care needs, but you’d be wrong.

Because bank owned life insurance is typically a long‑duration balance sheet asset, banks benefit from reviews that evaluate both current performance and forward‑looking risks.

Debt has clearly become the albatross of the American family budget. And while not all debt is bad, some types of debt can be destructive