ARIS supports Local Veterans, Active Duty, & First Responders
Applied Resource Insurance Solutions hosts a large event benefitting Operation Gratitude, and our local heroes. Valencia, CA, May 23, 2017: May 23rd marks the date of the Charity Wine Tasting Event benefitting Operation Gratitude, an event that began with a group of Santa Clarita business executives who come together every quarter and host local events […]
10 emerging developments in liability insurance
Life moves pretty fast, so our insurance needs to be faster. The insurance industry has kept up with the world’s ever-evolving demands by infusing technology to connect consumers and agents on a greater scale and reduce risk. But with the world on its heels, the insurance industry has opened itself up to more liabilities. Fortunately, change […]
Health Care Reform Updates: How to Appeal a Marketplace Notice
Appeals Due Within 90 Days Health Insurance Marketplaces are now sending letters to notify certain employers that one or more of their employees has been determined eligible for advance premium tax credits and cost-sharing reductions and has enrolled in a Marketplace plan. Because these events may trigger penalties under the Affordable Care Act’s “pay or […]
New Individual Marketplace Open Enrollment Period Dates Announced
Marketplace Special Enrollment Period Rules Also Modified The U.S. Department of Health and Human Services (HHS) has issued a final rule which, among other things, amends the timing of the annual Health Insurance Marketplace (“Marketplace”) open enrollment period for the 2018 plan year and modifies the rules for Marketplace special enrollment periods. New Individual Marketplace […]
Avoiding Employee Misclassification Under the FLSA
DOL Guidance Outlines ‘Economic Realities’ Test In order for the federal Fair Labor Standards Act’s (FLSA) minimum wage and overtime pay requirements to apply to a worker, the worker must be an “employee” of the employer, meaning that an employment relationship must exist between the worker and the employer. The FLSA defines “employ” as including […]
4 pitfalls to avoid in a cyber insurance policy
As more and more companies enter the burgeoning cyber insurance marketplace, they often ask policyholder counsel like me how they can choose the best cyber policy when confronted with so many choices. When the marketplace was still in its infancy just a few years ago, this was a considerably harder question because the policy forms, […]
Reminder: Certain Small Employer HRAs Now Exempt From ACA’s Market Reforms
QSEHRAs Must Satisfy Certain Requirements As a reminder, a recent law allows certain small employers to offer new “qualified small employer health reimbursement arrangements” (QSEHRAs) to reimburse employees for qualified medical expenses, including individual health insurance premiums. Background Under prior agency guidance, stand-alone HRAs (except for retiree-only HRAs and HRAs consisting solely of excepted benefits) […]
Los Angeles Revises Paid Sick Leave Rules and FAQs
Rules Currently in Effect The City of Los Angeles has issued revised paid sick leave rules and FAQs. Background As of July 1, 2016, employers with 26 or more employees are generally required to provide paid sick leave according to the Los Angeles Minimum Wage Ordinance. Employers with 25 or fewer employees begin providing sick […]
Determining ‘Full-Time Employees’ Under ‘Pay or Play’
Designation Determined by Hours Worked, Not Employer Classification The employer shared responsibility provisions of the Affordable Care Act (also known as “pay or play”) require applicable large employers (ALEs)—generally those with at least 50 full-time employees, including full-time equivalent employees (FTEs)—to offer affordable health insurance that provides a minimum level of coverage to full-time employees […]
OSHA Delays Enforcement of New Crystalline Silica Rule for Construction Industry
Enforcement Now Expected to Begin September 23, 2017 The U.S. Occupational Safety and Health Administration (OSHA) has announced a delay in enforcement of its new crystalline silica rule as it applies to the construction industry. Originally scheduled to begin June 23, 2017, enforcement is now expected to begin September 23, 2017. Background Crystalline silica is […]