6 Tips for a Successful Open Enrollment Season
Navigating open enrollment can feel complex, but you do not have to manage it alone. Associated Underwriters Insurance (AUI) acts as a dedicated partner in employee benefits. We guide organizations...
Our library of resources and articles is always available to help keep our small business and individual insurance customers up to date and informed on topics relevant to their needs and priorities.
The coronavirus (COVID-19) pandemic has had far-reaching effects on all aspects of business and society—including health savings accounts (HSAs). The federal government has enacted legislation designed to provide relief during the COVID-19 pandemic, and these laws have created changes to HSAs. This article provides a brief overview of changes to HSAs due to the …
The Small Business Administration (SBA) recently issued new guidance regarding the Payment Protection Program (PPP), established to offset the economic effects of the coronavirus pandemic. Small businesses can request loans from the PPP to help cover payroll costs. This new guidance from the SBA concerns employees who refuse to return to work after a business …
On May 7, 2020, the Equal Employment Opportunity Commission (EEOC) issued additional answers to frequently asked questions (FAQs) about how employers should comply with the Americans with Disabilities Act (ADA) while also observing all applicable emergency workplace safety guidelines during the coronavirus pandemic. The new FAQs were added to guidance that the EEOC previously issued …
As part of sweeping legislation—the Families First Coronavirus Response Act (FFCRA)—signed into law by President Trump on March 18, 2020, two laws were enacted that provide workers with paid leave for reasons related to the coronavirus (COVID-19) pandemic. The “Emergency Family and Medical Leave Expansion Act” allows 12 weeks of partially compensated FMLA leave to …
On March 2, 2020, the United States Supreme Court agreed to hear a legal challenge to the Affordable Care Act (ACA). The case involved is Texas v. Azar, a lawsuit challenging the constitutionality of the ACA’s individual mandate. ACA Litigation Texas v. Azar was filed in 2018 by 18 states after the individual mandate penalty …
On Feb. 25, 2020, the National Labor Relations Board (NLRB) announced a new joint-employer final rule, which becomes effective Apr. 27, 2020 and applies to labor issues related to the National Labor Relations Act. The New NLRB Joint-Employer Standard The NLRB is changing the standard it uses to determine whether employers are considered joint employers. …
On Feb. 21, 2020, the IRS Office of Chief Counsel released a memorandum clarifying that there is no applicable statute of limitations on pay or play penalty assessments under the Affordable Care Act (ACA). This means that there is no time limit for the IRS to issue a penalty assessment for employers that do …
As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace. Employers are obligated to maintain a safe and healthy work environment for their employees, but are also subject to a number of legal requirements protecting workers. For example, …
Coronaviruses are fairly common and don’t typically affect humans. When they do, their effects are usually mild, as in the case of the common cold. However, deadlier variations of these coronaviruses have cropped up in recent years. Two examples of these evolved strains are the SARS virus of 2003 and the novel coronavirus, which was …
Workplace changes are common across all organizations. Although some employees may embrace various changes to company systems or procedures, most individuals find workplace changes to be confusing, stressful and overwhelming. In fact, a recent study found that 71% of employees who experienced a large company change within the last year were less satisfied with their …
Is it against the law for employees to record private conversations with co-workers, supervisors or executives without their consent? The answer is: It depends. There are a variety of laws that come into play, which vary based on locality, when analyzing workplace recordings. With the proliferation of smartphones and other advanced recording technology, secret workplace …
The Department of Labor (DOL) has released the following three model disclosure documents related to a November proposed rule on transparency in coverage for group health plans and health insurers in the individual and group markets. Proposed Transparency in Coverage Model Notice Proposed Negotiated Rate Data Elements Proposed Allowed Amount Data Elements These documents were …
On Dec. 20, 2019, President Trump signed into law a spending bill that prevents a government shutdown and repeals the following three taxes and fees under the Affordable Care Act (ACA): The Cadillac tax on high-cost group health coverage, beginning in 2020; The medical devices excise tax, beginning in 2020; and The health insurance …
On Dec. 12, 2019, the U.S. Department of Labor (DOL), announced a new final rule that clarifies how to calculate an employee’s regular wage rate under the Fair Labor Standards Act (FLSA). The final rule becomes effective on Jan. 15, 2020. Calculating the regular rate is an essential first step when determining an employee’s overtime …

Tell us a little about your insurance needs, then we will contact you for a quick conversation about what you do, what you love, and how we can help!