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Compliance Alert: CMS Extends Transition Relief for Non-Compliant Plans through 2020

On March 25, 2019, the Centers for Medicare & Medicaid Services (CMS) announced a one-year extension to the transition policy (originally announced November 14, 2013 and extended five times since) for individual and small group health plans that allows issuers to continue policies that do not meet ACA standards.

Looking Ahead: The Employee Benefits Landscape in 2019

The broad and complex world of employee benefits keeps getting more interesting—or daunting, depending on your viewpoint. In this annual issue of our Employee Benefits Looking Ahead Guide, we highlight key impact areas for employers in 2019 and provide insights into ways to set up or evolve their programs in light of industry trends and ever-changing market options.

New Flexibility Comes To Woodruff Sawyer: The Workforce Initiative

Woodruff Sawyer has recently renovated and reopened one of our Northern California offices as a kick-off to The Workforce Initiative—an ongoing commitment to examine the work arrangements that best serve Woodruff Sawyer employees, and, in turn, our clients.… More

District Court Judge in Texas Strikes Down the ACA – But Law Remains In Effect for Now

On Friday, December 14, a federal judge in Texas issued a partial ruling that strikes down the entire Affordable Care Act (ACA) as unconstitutional.… More

How Arson Attacks Are Impacting The Habitational Insurance Market

It’s not just labor and materials costs that are rising! With the recent spate of arson attacks in the United States, insurance companies in the frame habitational space have been heavily impacted and are changing their appetite for these placements.… More

IRS Extends Deadline for Furnishing Form 1095, Extends Good-Faith Transition Relief

The Internal Revenue Service (IRS) has released Notice 2018-94, extending the deadline for furnishing 2018 Forms 1095-B and 1095-C to individuals from January 31, 2019 to March 4, 2019, as well as penalty relief for good-faith reporting errors.… More

IRS Announces Inflation Adjusted Health FSA and Commuter Benefit Limits For 2019

The IRS issued Rev. Proc. 2018-57 with the 2019 inflation adjustments to the maximum annual contribution limits for Health FSAs and Commuter Benefits.… More

Massachusetts Employers Must File HIRD Form By November 30th

As part of Massachusetts’ expanded Employer Medical Assistance Contribution (EMAC) program, employers with 6 or more employees in Massachusetts must submit a health insurance responsibility disclosure (HIRD) form annually, which collects information about employer-sponsored health insurance offerings.… More

Message to Our Customers Affected by Wildfires

Woodruff Sawyer wants to provide as much information as possible to help our clients, families, and friends manage this disaster.… More

Looking Ahead: Expert Insights on the 2019 Property & Casualty Market

Property and casualty coverage looks different today than this time last year. In the second annual issue of our P&C Looking Ahead Guide, we'll provide the timely information you need to stay atop industry updates and trends as we move into 2019.

Hurricane Preparedness: What You Need to Know

In an average year, two hurricanes will make landfall in continental US, each with wind speeds of 74 miles per hour or worse, and the potential for flooding, power outage, traffic disruptions, and more.… More

Beware Opting Out Of Workers’ Compensation: Critical Information For Executives and Boards

In California, executive officers/owners and members of the board of directors of a wholly owned corporation have the option to waive their rights to workers’ compensation benefits if they have both an employee health benefits and disability policy “comparable” in scope to the California workers’ compensation policy effective July 1, 2018.… More