Insights

On December 13, 2023, the US Court of Appeals for the Eleventh Circuit (Eleventh Circuit) held in Lapham v. Walgreen Co., that to prove Family and Medical Leave Act (FMLA) retaliation or interference claims, an employee must establish that an adverse employment decision was because of an FMLA leave request, not just motivated by the request.  Plaintiff Doris Lapham worked for Walgreens in various roles and at multiple store locations for over a decade. Between 2011 and 2016, Ms. Lapham took int

On December 20, 2023, the DOL proposed rescinding a 2018 rule that created alternative criteria that could be used to determine whether a group or association of employers could establish an association health plan (AHP). The rule allows employers without a commonality of interest to form AHPs if they are in the same state or metropolitan area. Further, AHPs can form for the primary purpose of providing benefits (something that was prohibited before 2018) if they can show a “substantial busines

On December 21, 2023, the IRS, DOL, and HHS (collectively, the agencies) issued a final rule related to fees established by the No Surprises Act for the federal independent dispute resolution (IDR) process under the Consolidated Appropriations Act, 2021 (CAA). The IDR process comes into play when health plans and issuers and providers, facilities and providers of air ambulance services cannot agree on an appropriate payment for out-of-network items and services. Two types of fees apply to the p

The WellCents^® Show hosts explore key financial topics, including a market update, inflation and the housing market.

To close out the year, the Benefits Compliance team recapped benefits-related legislative, regulatory, and judicial highlights from 2023. They also looked forward to 2024 and any potential guidance that may be on the horizon. Agenda ACA Updates New Mental Health Parity and Addiction Equity Act (MHPAEA) Guidance State Law Trends Surprise Billing and Transparency Other Health and Welfare Compliance Issues Retirement Updates/SECURE Act 2024 Political Landscape

Over the last 30 years, there have been occasional interest rate blips up and down, but nothing has been as dramatic or impactful as the interest rate climate since 2008. Let’s dive into the details of how interest rates have affected BOLI assets.

A risk management issue often overlooked, or not fully understood, is losing a key employee to a competitor that’s offering a better compensation package.

Learn how NFP can help you protect the financial future of your employees – and your business – with an affordable employer-sponsored long-term care insurance program.

On November 15, 2023, CMS released the proposed Notice of Benefit and Payment Parameters Rule for 2025. This notice is issued annually preceding the applicable benefit year and, once final, adopts certain changes. Additionally, CMS issued Premium Adjustment Percentage and related guidance to inform the payment parameters for the 2025 benefit year. While the proposed rule primarily impacts the individual market and the Exchange, CMS’s Premium Adjustment Percentage and related guidance addresses