Controlling health insurance premiums was a primary goal of health care reform. Before the Affordable Care Act (ACA), small group health insurers could vary premiums for a number of reasons, such as a group's overall health status, size, age, gender, history or industry. As a...
Businesses and individuals affected by data security breaches often face a long and expensive battle to repair the damage. Given the increasing frequency and severity of data security breaches, it doesn't look like this problem is going away anytime soon. Since it's impossible to prevent...
Putting employees on the road has always been risky business. Regardless of whether vehicles are personally owned by employees or part of a company-owned fleet, businesses may be held liable for losses arising out of the use of vehicles for business purposes. Though this risk...
Many people don't realize that flooding is the most common natural disaster in the United States. In the past 5 years, all 50 states have experienced floods. According to the Federal Emergency Management Agency (FEMA), total flood claims average nearly $4 billion per year. The...
Once again, the fate of the Affordable Care Act (ACA) rests with the United States Supreme Court. Though the constitutionality of the ACA isn't being challenged in King v. Burwell, the stakes may be just as high. This case involves the interpretation and applicability of...
Well, that didn't take very long. On January 29, 2015, Anthem, one of the nation's largest health insurers, discovered a data security breach involving up to 80 million current and former customers. According to Anthem, cyber attackers may have accessed names, dates of birth, Social...
Title Inflation occurs when superior-sounding job titles are given to non-superior employees. Despite recent trends, title inflation is not new. It was even a topic of conversation in a 1998 episode of Seinfeld. ELAINE: Do you know how embarrassing this is to someone in my position? JERRY:...
The Equal Employment Opportunity Commission (EEOC) is responsible for enforcing various federal equal employment opportunity laws. Every year the EEOC releases information about its enforcement and litigation efforts during the previous fiscal year (FY), which runs from October 1st to September 30th. This data can...
Every business needs to be concerned about data security and cyber liability, which is why many are taking steps to protect their data and reduce the likelihood of experiencing a data security breach. Unfortunately, not every business believes they are at risk of experiencing a...
The Affordable Care Act (ACA) requires Applicable Large Employers (ALEs) with 50 or more full-time or full-time equivalent employees to file information returns with the Internal Revenue Service and provide statements to their full-time employees about employer-offered health insurance coverage. This information will be used...