November 14, 2017

0 Comments

New ALEs Subject to Employer Mandate on Calendar Year Basis

The Affordable Care Act’s employer shared responsibility provisions require Applicable Large Employers (ALEs) to offer affordable, minimum value coverage to their full-time employees or face a penalty. In previous years, the IRS extended transitional relief to ease the burden of the employer mandate. For example, non-calendar year plans with part of their 2015 renewal falling […]

Continue reading...

November 13, 2017

0 Comments

OSHA Delays Deadline for Crane Operator Certification

OSHA announced they are delaying the deadline for employers’ to ensure that crane operators are certified to operate cranes.  The deadline for the certification of operators has been postponed by one year until November 10, 2018. You can find all the details here. Contact the J.W. Terrill loss control department at losscontrol@jwterrill.com with any questions […]

Continue reading...

November 7, 2017

0 Comments

Employer Mandate Penalties
-Just in time for the holidays!

The Affordable Care Act’s (ACA) employer mandate imposed many new requirements on employers. One that has been particularly cumbersome is the IRS reporting requirement and the 1094 & 1095 forms used to complete it. Although Applicable Large Employers (ALEs) have been completing these forms since 2015, the IRS has not assessed the shared responsibility payments […]

Continue reading...

October 24, 2017

0 Comments

Navigating Silica-Don’t be Caught in the Dust
-OSHA issues interim guidance for the new Construction Silica Standard

As we have been discussing these last few months, the new silica standard in construction establishes an 8-hour time weighted average (TWA) permissible exposure limit of 50 µg/m3 and action level of 25 µg/m3. OSHA has been enforcing the standard since September 23rd, but, for the first 30 days OSHA was offering compliance assistance in […]

Continue reading...

October 19, 2017

0 Comments

Preventing Medicare Identity Theft

It shouldn’t surprise anyone that a card kept in our wallet and handed out to strangers at every medical facility represents a significant identity theft exposure.  In an effort to reduce healthcare related fraud, the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) mandates the removal of the Social Security Number-based Health Insurance Claim […]

Continue reading...

October 19, 2017

0 Comments

October is Breast Cancer Awareness Month – What can you do?

There is no sure way to prevent breast cancer. But there are things you can do that might lower your risk. Discuss your risk factors with your primary care physician. Risk Factors for Breast Cancer: Drinking alcohol. Try to limit yourself to less than one drink every day since even a small increase can cause […]

Continue reading...

October 18, 2017

0 Comments

2017 Tax Returns Require Filers to Certify Health Insurance

On October 13, 2017 the IRS announced that it will require tax filers to certify if they had health coverage for the year on their tax returns.  The IRS will not accept paper or electronic filings if the filer does not report full-year coverage, claim a coverage exemption or report a shared responsibility payment on […]

Continue reading...

October 17, 2017

0 Comments

Cost-Share Subsidies: Back Again?

*UPDATE: After announcing and praising – just yesterday – the deal struck by Republican Senator Lamar Alexander and Senator Patty Murray, the President tweeted this morning: Continued uncertainty surrounding the payment of the cost share subsidies will likely drive premiums higher and frustrate insurers participating in the public exchanges. Which may be the point, as […]

Continue reading...

October 13, 2017

0 Comments

Discontinuation of Cost-Sharing Subsidies in the Marketplaces

Also on October 12, the Trump Administration indicated it will stop paying cost-sharing subsidies immediately to insurance carriers in the Marketplace. The cost sharing subsidies are available to individuals making 250% or less of the Federal Poverty Level (FPL). They are designed to fund lower out of pocket cost for these lower-income individuals.  Insurance carriers […]

Continue reading...

October 13, 2017

0 Comments

President Trump’s Executive Order on Health Care

On October 12, 2017, President Trump signed an Executive Order addressing some provisions of the Affordable Care Act (ACA). The Order was described as “Promoting Healthcare Choice and Competition Across State Lines.” The Order is comprised of seven sections. Generally speaking, it directs various administrative entities to issue guidance related to the topics covered. The […]

Continue reading...

October 12, 2017

0 Comments

Telemedicine and Health Savings Accounts
-Who Pays for the Cost Savings?

As health care costs continue to rise, so does the demand for cost-control strategies. One such strategy is telemedicine. Telemedicine is a service offered through many health insurance plans by which patients can consult with a doctor over the phone or through videoconference. Telemedicine doctors can often prescribe medication, thus eliminating the need for a […]

Continue reading...

October 10, 2017

0 Comments

Interim Rules on Contraceptive Exemptions

On October 6, 2017 the Department of Health and Human Services (HHS) and the Department of the Treasury released interim rules expanding the exemptions from providing contraceptive coverage without cost sharing. Background The Affordable Care Act (ACA) required coverage of certain preventive services without cost sharing. Congress granted the Health Resources and Services Administration (HRSA), […]

Continue reading...