Blog
Making Every Benefits Dollar Count: How to Maximize Your ROI
Employee benefits are one of the largest investments organizations make in their people. Yet, simply offering a strong benefits package doesn’t guarantee a strong return on that investment. The organizations that get the best return on their benefits spend understand that benefits are more than a line item on the budget. They are a tool…
Decoding Your Health Insurance ID Card
Your health insurance member identification (ID) card is more than just a piece of plastic (or a digital image on your phone)—it’s your passport to healthcare. It serves as proof of coverage and contains the vital information providers need to bill accurately and verify your benefits. Because these cards are packed with abbreviations and strings…
Employee Benefits Compliance Brief October 2026
2026 Gag Clause Attestation Deadline Employers sponsoring group health plans should have the Dec. 31, 2026, Gag Clause Prohibition Compliance Attestation (GCPCA) on their year-end compliance calendars. The requirement stems from the Consolidated Appropriations Act, 2021 (CAA), which prohibits group health plans and health insurance issuers from entering into certain agreements that restrict access to…
Employee Benefits Compliance Brief September 2026
Proposed Regulations Address Employer Contributions to Trump Accounts and Dependent Care Nondiscrimination Testing The Department of the Treasury and the IRS have issued proposed regulations providing guidance on employer contributions to Trump Accounts and clarifying nondiscrimination testing for dependent care assistance plans (DCAPs). The proposed regulations address Internal Revenue Code Section 128, which governs tax-favored employer contributions…
Tech Support Scams: How to Spot Them and Protect Yourself and Your Devices
All of us online have probably experienced this same panic: your screen displays a pop-up warning saying your device is infected with viruses. Some of us have probably received a phone call from someone claiming to be from “technical support” who says they need immediate access to your computer. Both are common types of a…
Benefits 101: What Is an FSA?
An FSA is an employer-sponsored, tax-advantaged savings account. It allows you to set aside “pre-tax” money—meaning the money is taken out of your paycheck before taxes are calculated—to pay for out-of-pocket healthcare and dependent-care expenses. The Bottom Line: Because you aren’t paying taxes on this money, you effectively lower your taxable income and increase your…
The Reality of Cancer Care: Redefining Cancer Support for Your Workforce
Cancer has evolved into a persistent and complex challenge that demands a proactive approach rather than a reactive one. With more employees being diagnosed at younger ages and the cost of advanced treatments accelerating, cancer has solidified its position as a primary driver of healthcare spending for organizations. According to the Business Group on Health’s…
Employee Benefit Compliance Briefing August 2026
DOL Proposes New, Additional Electronic Delivery Safe Harbor for Group Health Plans The U.S. Department of Labor (DOL) has proposed a new optional electronic disclosure safe harbor that would expand the way ERISA-covered group health plans provide required notices and disclosures to participants and beneficiaries. If finalized, the proposal would give employers and plan administrators greater flexibility…
Wellness Works: Fall 2026
Navigating Seasonal Allergies: A Guide to Managing Seasonal Pollen Through the Year Millions of Americans experience seasonal allergies annually, facing disruptions from symptoms like sneezing, congestion, itchy eyes, coughing, and fatigue triggered by plant pollens. These airborne particles are categorized on a five-tier intensity scale spanning from low and moderate to high and peak. Although…
5 Wellness Tips to Transition from Summer to Fall
As summer turns to fall, a few simple habits can help protect your energy, mood, and routine through the shorter, colder days ahead. The transition from summer to fall can feel refreshing but often disrupts routines. Shorter days and colder weather reduce exposure to sunlight, which may affect circadian rhythms, energy, and mood. This can…