No business can stand alone in the marketplace. That’s why Henderson Brothers believes strongly in strategic partnerships with like-minded organizations.
Our alliance with AssurexGlobal guarantees excellent international risk management services for our clients in the global marketplace. Assurex Global is the largest privately held insurance brokerage group in the world, with over 500 offices in 80 countries across 6 continents. If you’re opening a facility in another country, becoming a subsidiary of a foreign corporation, or exploring a joint venture opportunity overseas, Henderson Brothers’ strategic partnerships will help you optimize your business practices.
Other important partnerships include:
- The Council of Insurance Agents & Brokers (CIAB)
- Professional Insurance Agents (PIA)
- Insurance Agents & Brokers (IAB)
- The Pennsylvania Independent Oil and Gas Association (PIOGA)
- Waterways Association of Pittsburgh
- West Virginia Oil and Natural Gas Association
- Surety Association of Pittsburgh
- Pittsburgh Maritime Club
- Pennsylvania Petroleum Association (PPA)
- Master Builders Association of Pennsylvania
- Hospitality Financial and Technology Professionals
Today is National Change Your Password Day
Posted February 1, 2023
Expert Tips
Commercial Lines
February 1st is National Change Your Password Day. Changing passwords helps to protect sensitive information and reduce the risk of unauthorized access. Hackers now have...
Please Welcome Evan Benton, Account Manager
Posted January 23, 2023
Company News
Henderson Brothers is pleased to welcome Evan Benton as an Account Manager in Commercial Lines. Welcome aboard Evan!
Please Welcome Megan Jewell, Client Support Specialist
Posted January 23, 2023
Company News
Henderson Brothers is pleased to welcome Megan Jewell as a Client Supports Specialist in the Benefits Practice. Welcome aboard Megan!
Are You ready for 2023 OSHA Reporting?
Posted January 15, 2023
Safety
Commercial Lines
Every year businesses are required to post physical (and in some cases electronically) report summaries of the work-related incidents that occurred at their places of...
Pollution Coverage for Fixed-Based Operators
Posted January 13, 2023
Industry Insights
Commercial Lines
by Jared Sadowski, Vice President, Aviation Practice Leader and Brandon Mohr, Claims In-House Counsel Fixed-base operators (FBOs) offer many important services for aircraft, including crew...
HSA Employer Contributions that work with Tech
Posted January 10, 2023
Employee Benefits
Expert Tips
Employer contributions to a Health Savings Account are a valuable way to encourage employees to enroll in a High Deductible Health Plan (HDHP) with an...
Key Takeaways from the 2022 Transportation Event
Posted November 15, 2022
Safety
Industry Insights
Commercial Lines
Henderson Brothers, Schnieder Downs, and Pion Law hosted our October transportation panel event. The event included two presentations and panel discussions. We concluded with a...
Using Life Insurance to Protect Your Business
Posted November 10, 2022
Industry Insights
Expert Tips
Running a successful business involves many moving parts. For example, it often takes a team of people with various skills to start and grow a...
HR Tech Trends for 2023
Posted November 2, 2022
Employee Benefits
Expert Tips
The pandemic has created a paradigm shift in work models. HR Tech has become an essential part of the HR function for businesses to survive....
The Most Popular “Person” in the HR Tech? Talent Management
Posted October 26, 2022
Employee Benefits
Expert Tips
Talent management solutions reign supreme at the top of the HR Tech list. The focus is on the employee (or future employee). “Talent Marketplace” will...
Please Welcome Marlayna Verenna, Financial Analyst
Posted October 21, 2022
Company News
Henderson Brothers is pleased to welcome Marlayna Verenna as a Financial Analyst in our Benefits Practice. Marlayna is a graduate of Seton Hill University.
Please Welcome Samantha Curran, Private Client Consultant
Posted October 21, 2022
Company News
Henderson Brothers is pleased to welcome Samantha Curran as a Consultant to the Private Client Group.
Please Welcome Sierra Christian, Client Service Associate
Posted October 21, 2022
Company News
Henderson Brothers is pleased to welcome Sierra Christian as a Client Service Associate in HB Retirement. Sierra is a graduate of the University of Pittsburgh...
The Power of Data: How Complex Risk Analysis Can Help Your Business
Posted October 18, 2022
Expert Tips
Commercial Lines
Insurance 101
Organizations must look for many risks to their operations in today’s global economy, including injuries, cybersecurity threats, and other hazards unique to their processes. Risk...
Leasing Employees? Protect Your Business from Uncovered Claims
Posted October 10, 2022
Industry Insights
Expert Tips
Commercial Lines
By Mak Kelly, Sales Consultant for Commercial Lines Two years after the COVID-19 pandemic caused thousands of businesses to close temporarily, businesses are now struggling...
You’re Invited To Our Transportation Event: Driver Management & Compliance
Posted October 3, 2022
Industry Insights
Expert Tips
Commercial Lines
October 27, 2022 2pm to 6pm The Chief's Room at Acrisure Stadium Join us for...
Henderson Brothers Earns Top Workplace and Customer Satisfaction Honors
Posted September 27, 2022
Company News
PITTSBURGH, September 27, 2022 – Leading insurance broker and consultant Henderson Brothers announced that it has been recognized as a 2022 Top Workplace in Greater...
HSA Employer Contributions that work with Technology
Posted September 19, 2022
Employee Benefits
Expert Tips
Employer contributions to an HSA (Health Savings Account) are a helpful way to encourage employees to enroll in a High Deductible Health Plan (HDHP) with...
Trust, Expertise Earn Henderson Brothers “World Class” Net Promoter Score
Posted September 14, 2022
Company News
PITTSBURGH, September 14, 2022 – Leading insurance broker and consultant Henderson Brothers announced today that it has earned a Net Promoter Score® (NPS) of 83...
Please Welcome Monica McConnell, Benefits Consultant
Posted September 9, 2022
Company News
Henderson Brothers is pleased to welcome Monica McConnell as a Benefits Consultant. She was hired in May of 2022.
Please Welcome Brent Huber, Marketing Specialist
Posted September 9, 2022
Company News
Henderson Brothers is pleased to welcome Brent Huber as a Marketing Specialist in Commercial Lines. He was hired in May of 2022.
Please Welcome CJ Jackson, Account Manager
Posted September 9, 2022
Company News
Henderson Brothers is pleased to welcome CJ Jackson as an Account Manager in our Commercial Lines Division. He was hired in April of 2022.
Please Welcome Mak Kelly
Posted September 9, 2022
Company News
Henderson Brothers is pleased to welcome Mak Kelly as a Sales Consultant for Commercial Lines specializing in Cannabis, Transportation, and Energy. Mak is a graduate...
Daniel Grealish named the Director of Business Intelligence & Business Process Improvement
Posted September 8, 2022
Company News
Daniel Grealish has been named the Director of Business Intelligence and Business Process Improvement, a newly created role supporting the firm’s ongoing strategic growth. Over...
Controlling Workers’ Compensation Costs for School Districts
Posted August 29, 2022
Industry Insights
Expert Tips
Commercial Lines
by Chris Branvold, Consultant, Commercial Lines Department and Education Practice Group Member Educational institutions comprise various work environments, including classrooms, school buses, and sports facilities....
Insurance Issues in the Education Industry
Posted August 15, 2022
Industry Insights
Expert Tips
Commercial Lines
Schools, colleges, and universities are intricate networks of different types of jobs across multiple facilities and locations. From an insurance perspective, they face many kinds...
Exhaustion of Limits: Named Insured and Additional Insured
Posted July 21, 2022
Industry Insights
Uncategorized
Commercial Lines
There are basically 2 types of “exhaustion” scenarios when you look at the insurance programs of the Named Insured versus the Additional Insured. A typical...
Employer Retirement Plans Have Evolved. Has Yours?
Posted July 13, 2022
Industry Insights
Expert Tips
by Joe Cravotta, AIF®, Senior Retirement Plan Consultant at HB Retirement With benefits evolving, financial wellness emerging and a war for talent raging,...
Diversity, Equity, Inclusion and Belonging are Important – Do you have the right technology in place?
Posted June 27, 2022
Employee Benefits
Expert Tips
In a 2021 report on DEIB (Diversity, Equity, Inclusion and Belonging) Tools, research noted that the total number of DEIB tech vendors increased by 87%....
Success Story: Controlling Costs Through Benefits Strategy
Posted June 15, 2022
Success Story
Employee Benefits
The Challenge The medical prescription spend for a western Pennsylvania university was spiraling out of control. The per employee per month (PEPM) drug cost for...
ICHRA: An Rx for Medical Insurance
Posted June 6, 2022
Employee Benefits
Industry Insights
by Chris Shipley, Vice President, Employee Benefits Today’s employees want more freedom to choose a benefits package-including medical- that meets their individual and family...
The 5 Ws of HR Technology Security
Posted May 18, 2022
Employee Benefits
Expert Tips
Has your organization authored a security plan for your HR Technology? If not, the time is now. With more and more scams plaguing the digital...
Mental Health Month: 5 Mental Health Employee Benefits Trends for 2022
Posted April 29, 2022
Employee Benefits
Expert Tips
Uncategorized
May is National Mental Health Month - a time to raise awareness of those living with mental or behavioral health issues and to help reduce the stigma so many...
Preparing for Hurricane Season
Posted April 19, 2022
Safety
Expert Tips
Insurance 101
National Hurricane Preparedness Week, which is scheduled for May 1-7 this year, encourages individuals to evaluate their personal hurricane risks and implement measures to keep...
Tips for Traveling Abroad
Posted April 19, 2022
Safety
Expert Tips
Insurance 101
(Photo by Dan Novac on Unsplash) The World Travel & Tourism Council has estimated bookings for international travel to be up by 130 percent over...
Henderson Brothers Taps Firm Veterans for New Strategic Roles
Posted April 12, 2022
Company News
Thomas Philbin, Director of Commercial Lines, has been named Director of Mergers and Acquisitions and Director of Strategic Accounts, newly created roles supporting the firm’s...
Our Checklist: 7 Ways to Prepare Your Home For Spring
Posted April 12, 2022
Expert Tips
Insurance 101
Are you ready for spring home maintenance? Here's our checklist to ensure your home is all set for the upcoming months: 1. Clean your gutters...
Whitepaper: Corporate Safety Infrastructure & Protecting Your Business
Posted April 11, 2022
Industry Insights
Expert Tips
Commercial Lines
Cyber insurance had record rate increases in 2021 and there are no signs of slowing down during 2022. The types of attacks and vulnerabilities are...
April Is Distracted Driving Awareness Month
Posted April 11, 2022
Safety
Expert Tips
The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and...
3 Top Technology Opportunities to Watch in 2022
Posted April 7, 2022
Employee Benefits
Expert Tips
Skills-based systems or Talent Intelligence systems. These are systems that identify the skills that somebody has, the skills required for a job and they use...
Please Welcome Alissa Meeder, Administrative Assistant
Posted April 7, 2022
Company News
Henderson Brothers is pleased to welcome Alissa Meeder as an Administrative Assistant. She brings several years of operational experience to the position. Alissa was hired...
Please Welcome Justin Porco, Client Services Associate
Posted April 7, 2022
Company News
Henderson Brothers is pleased to welcome Justin Porco as a Client Services Associate in HB Retirement. Justin was hired in December of 2021.
Please Welcome Chris Shaffer, Account Service Representative
Posted April 7, 2022
Company News
Henderson Brothers is pleased to welcome Chris Shaffer as an Account Service Representative in HB Retirement. He is a recent graduate of Clarion University with...
Please Welcome Mary Philbin, Consultant
Posted April 7, 2022
Company News
Henderson Brothers is pleased to welcome Mary Philbin as a Consultant in our Commercial Lines Division. She comes to Henderson Brothers with experience in underwriting....
Whitepaper: Addressing OSHA’s Most Frequent Violations with NIXN Technology
Posted April 6, 2022
Risk Control
Safety
At the end of 2021, OSHA revealed the top 10 most frequently cited standards during the 2021 NCS Safety Congress & Expo. The findings should...
Expect An Expert Episode 8: Paylocity Integration with Employee Navigator
Posted March 30, 2022
Employee Benefits
Expert Tips
In this episode of Expect An Expert, Maggie Boucher, Senior Consultant at Henderson Brothers' Employee Benefits Practice, has invited Eric Gargis , Senior HCM Consultant,...
How To Budget For A New Human Capital Management (HCM)
Posted March 17, 2022
Employee Benefits
Expert Tips
2022 is here, and for a lot of us it came too fast. Organizations are still managing an increasingly hybrid workforce, dealing with hurdles around...
BREAKING: Supreme Court Stays OSHA ETS Vaccination and Testing Mandate
Posted January 13, 2022
Compliance Alert
Expert Tips
The Supreme Court of the United States issued its highly-anticipated opinions today on the OSHA ETS and the CMS healthcare industry vaccination and testing mandates....
The Heat Is On: Vaccine & Testing Solutions
Posted January 11, 2022
Coronavirus
Employee Benefits
Expert Tips
Employers nationwide are making moves on vaccination and testing tracking, now that the Vaccination and Testing Emergency Temporary Standard is here to stay; many business...
Whitepaper: Important Potential Changes Coming to Your Cyber Liability Coverage Form
Posted January 6, 2022
Industry Insights
Expert Tips
Commercial Lines
Like 2020, the year 2021 was tumultuous for many reasons. Developments in cyber security and the market for cyber liability insurance were no different. In...
Breaking: Sixth Circuit Dissolves Stay on the OSHA ETS
Posted December 18, 2021
Compliance Alert
Expert Tips
On the evening of December 17, 2021, the Sixth Circuit issued its highly anticipated decision on whether OSHA’s ETS would remain intact, be further delayed,...
Expect An Expert Episode 7: Specialty Pharmacy Strategy
Posted December 16, 2021
Employee Benefits
Industry Insights
Expert Tips
In this episode of Expect an Expert, we'll be discussing specialty pharmacy strategy. We've invited our Director of Pharmacy Solutions, Dr. Chris Antypas, to speak...
Please Welcome Diane Ritter, Senior Retirement Plan Consultant
Posted December 6, 2021
Company News
Henderson Brothers is pleased to welcome Diane Ritter as a Senior Retirement Plan Consultant in HB Retirement. She brings 30+ years of experience in the...
Please Welcome Sean Hallisey, Sales Associate
Posted December 6, 2021
Company News
Henderson Brothers is pleased to welcome Sean Hallisey, Sales Associate in our Employee Benefits Division. Sean was hired in July of 2021.
Gender Identity and HR Technology
Posted December 3, 2021
Employee Benefits
Expert Tips
Gender identity is a common topic of discussion among employers these days and the need to capture an employee’s preferred gender identity within the workplace has...
Expect An Expert Episode 6: Excessive Fee Litigation
Posted November 18, 2021
Industry Insights
Expert Tips
Commercial Lines
In this episode of Expect an Expert, Henderson Brothers' in-house counsel, Peter Horne, answers 4 questions about excessive fee litigation and its impact on insurance....
Preparing HR Technology for the OSHA Vaccination ETS
Posted November 15, 2021
Employee Benefits
Expert Tips
OSHA has submitted the Emergency Temporary Standard (ETS) to the Office of Information and Regulatory Affairs (OIRA) which is a division of the White House Budget...
Please Welcome Chris Bigley, Client Support Specialist
Posted November 15, 2021
Company News
Henderson Brothers is pleased to welcome Chris Bigley as a Client Support Specialist in our Employee Benefits Division. He brings 20+ years of experience in...
Please Welcome Sarah Biamonte, Consultative Associate
Posted November 15, 2021
Company News
Henderson Brothers is pleased to welcome Sarah Biamonte as a Consultative Associate in our Employee Benefits Division. Sarah holds a Bachelor of Arts degree in...
Please Welcome Amber Rutledge, Claims Analyst
Posted November 15, 2021
Company News
Henderson Brothers is pleased to welcome Amber Rutledge, Claims Analyst in Risk Control. Amber was hired in May of 2021.
Webinar: Implementation Considerations for the Vaccination ETS
Posted November 12, 2021
Risk Control
Coronavirus
Employee Benefits
Compliance Alert
Expert Tips
On November 4th the Occupational Safety and Health Administration (OSHA) introduced an Emergency Temporary Standard (ETS) for COVID-19 in the workplace. The ETS requires that employers with 100...
OSHA Emergency Temporary Standard FAQs – COVID-19 Vaccination and Testing
Posted November 4, 2021
Risk Control
Coronavirus
Earlier today the U.S. Department of Labor's Occupational Safety and Health Administration released the long-anticipated Emergency Temporary Standard (ETS) for COVID-19 vaccination and testing. The...
Please Welcome Evan Frazier, Associate Account Manager
Posted November 3, 2021
Company News
Henderson Brothers is pleased to welcome Evan Frazier as an Associate Account Manager in our Commercial Lines Division. Evan recently graduated from the University of...
Please Welcome Kaylee Gross, Associate Account Manager
Posted November 3, 2021
Company News
Henderson Brothers is pleased to welcome Kaylee Gross as an Associate Account Manager in our Commercial Lines Division. Kaylee recently graduated from West Virginia University,...
Please Welcome Christine Scott, Associate Account Manager
Posted November 3, 2021
Company News
Henderson Brothers is pleased to welcome Christine Scott as an Associate Account Manager in our Commercial Lines Division. She brings over 30 years of independent...
Please Welcome Fawn Giddings, Benefits System Administrator
Posted November 3, 2021
Company News
Henderson Brothers is pleased to welcome Fawn Giddings, Benefits System Administrator in our Employee Benefits Department. Fawn was hired in March of 2021.
Whitepaper: Reactions to COVID-19 Vaccine Mandate Vary Among Employers
Posted October 29, 2021
Risk Control
Coronavirus
Compliance Alert
Safety
The Emergency Temporary Standard OSHA announced in early September has been met with a wide array of responses from employers, industry groups, and employees. It...
Understanding the TikTok® Challenge
Posted October 19, 2021
Risk Control
Safety
Commercial Lines
Around the start of the school year a TikTok® trend began to emerge among teens and young adults. The trend known as “Devious Licks” has...
National Teen Driver Safety Week 2021
Posted October 18, 2021
Employee Benefits
October 17-23 is National Teen Driver Safety Week. During this week, the U.S. Department of Transportation’s National Highway Traffic Safety Administration encourages parents to have...
Whitepaper: Trucking Accident Lawsuit Costs Continue to Rise
Posted October 15, 2021
Safety
Industry Insights
Expert Tips
Eight-figure and beyond damages continue to be paid out to plaintiffs as a result of lawsuits related to trucking accidents on US roads. The increase...
Will Your D&O Policy Cover the Risk Of Shareholders with Dual or Multiple Capacities?
Posted October 13, 2021
Industry Insights
Expert Tips
Commercial Lines
Shareholders who hold dual or multiple capacities at your organization will impact who is an insured and ultimately covered under your organization’s D&O policy. Such...
Simplifying the Open Enrollment Process with Technology
Posted October 6, 2021
Employee Benefits
Expert Tips
How do employers look for ways to simplify the open enrollment process? Many companies are turning to technology to help simplify their open enrollment processes...
Improve Your Cyber Liability Risk in Eight Fundamental Ways
Posted October 5, 2021
Risk Control
Safety
Expert Tips
SolarWinds, Colonial Pipeline, JBS Foods… these companies have made the news over the past 12 months for the large and sophisticated cyber breaches that impacted...
COVID Vaccine Boosters: The Facts
Posted October 1, 2021
Coronavirus
Expert Tips
Updated: October 1, 2021 With the recent approval of COVID Vaccine Booster Doses, there appears to be a lot of confusion around who is eligible...
Allegheny County Workers Get Paid Sick Leave
Posted September 29, 2021
Compliance Alert
Expert Tips
Allegheny County adopted a Paid Sick Days Ordinance (PSDO) on September 15, 2021, for county employers. Unlike the Pittsburgh Paid Sick Days Act, which applies...
Henderson Brothers Named Top Mid-Sized Workplace in the Pittsburgh Region
Posted September 15, 2021
Company News
Henderson Brothers, Inc. has been awarded the top mid-sized workplace in the greater Pittsburgh region. The Pittsburgh Post-Gazette has recognized 95 Companies and Organizations in...
President Biden’s Vaccine Mandate for Private Employers
Posted September 10, 2021
Coronavirus
Compliance Alert
Compliance Alert: More to come with President Biden’s announcement regarding mandatory vaccinations for government contractors and private employers. On September 9, 2021, President Biden announced...
COVID-19 Vaccination Card: Protection and Replacement
Posted September 8, 2021
Coronavirus
Expert Tips
Keeping Your COVID-19 Vaccination Card Safe Just about everyone who has received at least one dose of the COVID-19 vaccine has been provided a vaccine...
COVID-19 Vaccination Tracking in Benefits Systems
Posted September 7, 2021
Employee Benefits
HR technology vendors are working diligently to unveil new vaccine management solutions designed to help HR teams track the immunization status of employees in addition...
Please Welcome Sherry Rue, Personal Lines Analyst
Posted August 30, 2021
Company News
Henderson Brothers is pleased to welcome Sherry Rue as a Personal Lines Analyst in our Personal Lines Division. She brings 15+ years of experience within...
Please Welcome Stacy Holmes, Account Manager
Posted August 30, 2021
Company News
Henderson Brothers is pleased to welcome Stacy Holmes as an Account Manager in our Commercial Lines Division. She brings 11+ years of industry experience. Stacy...
Please Welcome Mike McKee, Sales Consultant
Posted August 30, 2021
Company News
Henderson Brothers is pleased to welcome Mike McKee as a Sale Consultant in the Employee Benefits Practice. Mike has 10+ years of industry experience and...
Please Welcome Maura Clark, Risk Control Specialist
Posted August 30, 2021
Company News
Henderson Brothers is pleased to welcome Maura Clark, Risk Control Specialist. Maura is a graduate of Slippery Rock University with a degree in Safety Management...
Please Welcome Connor Wasson, Client Services Associate
Posted August 30, 2021
Company News
Henderson Brothers is pleased to welcome Connor Wasson, Client Services Associate in HB Retirement. Connor is a recent graduate of The University of Tampa where...
Does Insurance Coverage Respond to Disputes Involving Voluntary Compliance Programs?
Posted August 17, 2021
Industry Insights
Expert Tips
Commercial Lines
A recent decision from the Sixth Circuit reveals how exclusions in your D&O policy might negatively impact your compliance activities. In the case of Barber...
DOL Cybersecurity Guidance: Thoughts for Plan Sponsors
Posted August 17, 2021
Compliance Alert
In April 2021, the Department of Labor (DOL) issued cybersecurity guidance that illustrates its expectations for how plan sponsors are to protect the information they maintain for...
Please Welcome Sara Selley, Private Client Consultant
Posted August 17, 2021
Company News
Henderson Brothers is pleased to welcome Sara Selley as a Private Client Consultant in our Personal Lines Division. Sara is a Penn State University graduate...
Please Welcome Christin Schlosser, Vendor Marketing Specialist
Posted August 17, 2021
Company News
Henderson Brothers is pleased to welcome Christin Schlosser as a Vendor Marketing Specialist within our Employee Benefits Division. Christin is a graduate of Waynesburg University...
Please Welcome Becky Gasche, Account Analyst
Posted August 17, 2021
Company News
Henderson Brothers is pleased to welcome Becky Gasche as an Account Analyst in our Commercial Lines Division. She brings 6+ years of experience at an...
Next Week is OSHA’s Safe + Sound Week
Posted August 6, 2021
Safety
Each year, more than 5,000 workers are killed on the job. Additionally, more than 3.6 million employees are seriously injured each year while at work....
APIs: What’s the Hype?
Posted August 4, 2021
Employee Benefits
Expert Tips
Things are changing so fast in the world of HR technology, it’s hard to keep up. Notably, data integrations are leading the charge. Technology providers...
All-In-One Versus Point Solutions
Posted July 21, 2021
Employee Benefits
Expert Tips
The most common question or issue is whether it makes sense for an employer to utilize one “all-in-one” HCM solution for all of their HR...
Are You Best In Benefits?
Posted June 8, 2021
Employee Benefits
Industry Insights
Henderson Brothers is offering an early look at how employers responded to the challenges of 2020 through our soon to be released benchmarking survey. ...
Please Welcome Michael Parsons, Internal Plan Consultant
Posted June 3, 2021
Company News
Henderson Brothers is pleased to welcome Michael Parsons as an Internal Plan Consultant with HB Retirement. Michael joins HB Retirement with six years in the...
Please Welcome Gunnar Riley, Consultative Associate
Posted June 3, 2021
Company News
Henderson Brothers is pleased to welcome Gunnar Riley, Consultative Associate in our Commercial Lines Department. Gunnar was hired in December of 2020.
Please Welcome EJ Heckert, Vice President
Posted June 3, 2021
Company News
Henderson Brothers is pleased to welcome EJ Heckert as a Vice President in the Benefits Practice. EJ comes to Henderson Brothers with 23+ years of...
Please Welcome Chris Branvold, Account Executive
Posted June 2, 2021
Company News
Henderson Brothers is pleased to welcome Chris Branvold as an Account Executive in the Commercial Lines Department. Chris is a graduate of Robert Morris University;...
Expect An Expert Episode 5: Builders’ Risk
Posted May 26, 2021
Industry Insights
Expert Tips
Commercial Lines
A Builder’s Risk policy is a variation of a property policy that offers protection in construction scenarios not typically not seen in a standard property...
Please Welcome Mark Hairston, Senior Financial Consultant
Posted April 9, 2021
Company News
Henderson Brothers is pleased to welcome Mark Hairston as a Senior Financial Consultant in Commercial Lines. Mark will work with our team to provide financial...
Please Welcome Erika Finn, Private Client Analyst
Posted April 9, 2021
Company News
Henderson Brothers is pleased to welcome Erika Finn as a Private Client Analyst in our Private Client Group. Originally from Lower Burrell, Erika is a...
Whitepaper: Cyber Liability & Multi-Factor Authentication
Posted April 7, 2021
Industry Insights
Expert Tips
Commercial Lines
In a post-SolarWinds world, what do you need to know now about your application for cyber liability insurance? Throughout December 2020, the cyberattack of the...
Whitepaper: Do You Know How Severe Your Marine Loss Could Be?
Posted April 1, 2021
Industry Insights
Expert Tips
Commercial Lines
The news recently broke that the vessel, the Ever Given, blocking the Suez Canal for nearly a week has been freed and that the canal...
Please Welcome Jennifer Kaboly, Client Support Specialist
Posted March 29, 2021
Company News
Henderson Brothers is pleased to welcome Jennifer Kaboly as Client Support Specialist in our Benefits Practice. She has 15 years’ experience in both Employee Benefits...
Please Welcome David Vargo, Senior Controller
Posted March 29, 2021
Company News
Henderson Brothers is pleased to welcome David Vargo as Senior Controller, Finance. David brings more than 20 years of experience in accounting, financial planning and...
Please Welcome Haley Helbling, Business Associate
Posted March 29, 2021
Company News
Henderson Brothers is pleased to welcome Haley Helbling as a Business Associate in Commercial Lines. Haley is a native of Pittsburgh and she was hired...
Cyber Liability Alert: the “Hafnium” Attack on Global Email Servers
Posted March 9, 2021
Risk Control
Safety
Industry Insights
Expert Tips
Henderson Brothers' cyber liability practice group needs you to be aware of one of the latest, most significant cyber attacks to date: in recent days...
It’s Time for a Heart-to-Heart about Heart Health!
Posted February 24, 2021
Expert Tips
February marks American Heart Month, a great time to commit to managing your heart's health. While heart disease is the leading cause of death for...
Expect An Expert Episode 4: Driver Qualification Files
Posted February 18, 2021
Safety
Expert Tips
With auto insurance on the rise, fleet management is important now more than ever. Fleets operating vehicles over 10,001 pounds require that certain records be...
You’re Invited: Benefits Webcast on 2/18/21
Posted February 15, 2021
Employee Benefits
Expert Tips
EEOC Proposed Wellness Rules: Game Changer? On January 7, 2021, the EEOC released its proposed rules for Participatory wellness programs. The Biden Administration has since...
Please Welcome Trey Harper, Client Services Associate
Posted February 7, 2021
Company News
Henderson Brothers is pleased to welcome Trey Harper as a Client Services Associate in HB Retirement. Originally from Dayton OH, Trey graduated with his bachelor’s...
Please Welcome Rachel Thomas, Data Analyst
Posted February 7, 2021
Company News
Henderson Brothers is pleased to welcome Rachel Thomas as a Data Analyst in our Employee Benefits Practice. Rachel graduated from Allegheny College and is originally...
Please Welcome Casey McGrath, Sales Associate
Posted February 7, 2021
Company News
Henderson Brothers is pleased to welcome Casey McGrath as a Sales Associate in our Commercial Lines Department. Casey is a graduate of Allegheny College where...
Expect An Expert Episode 3: Remote Work
Posted December 15, 2020
Safety
Industry Insights
Expert Tips
John Aliveto, Risk Control Specialist, and Brandon Mohr, Claims In-House Counsel, provide steps both employers and employees can take to minimize risk in the remote...
Please Welcome Rachel Good, Personal Lines Consultant
Posted December 7, 2020
Company News
Henderson Brothers is pleased to welcome Rachel Good as a Consultant in the Personal Lines Department. Rachel started as an intern at Henderson Brothers and...
Please Welcome Anthony Livoti, Sales Associate
Posted December 7, 2020
Company News
Henderson Brothers is pleased to welcome Anthony Livoti as a Sales Associate in our Employee Benefits Practice. Originally from Altoona, Anthony played football for and...
Please Welcome Gabriel Antoni, Financial Advisor
Posted December 7, 2020
Company News
Henderson Brothers is pleased to welcome Gabriel Antoni as a Financial Advisor in HB Retirement. He was hired in July of 2020. Originally from the...
5 Tips for Facing Type 2 Diabetes
Posted November 20, 2020
Expert Tips
An estimated 84 million Americans are at risk for developing type 2 diabetes—and someone you love could be among them. However, many people don’t realize...
Whitepaper: Remote Work Risk and Compensability Considerations
Posted November 20, 2020
Safety
Expert Tips
Since employees’ homes now double as office space in numbers never before seen, employers must grapple with how their Workers’ Compensation insurance may be impacted...
Expect An Expert Episode 2: Policy Review
Posted November 10, 2020
Safety
Industry Insights
Expert Tips
Commercial Lines
Are you familiar with your insurance policies and the contractual relationship between you and the insurance carrier? Join Brandon Mohr, in-house counsel for Henderson Brothers'...
White Paper: COVID-19 Claims and Insurance Policy Considerations for Senior Care Providers
Posted October 19, 2020
Industry Insights
Commercial Lines
The novel coronavirus (COVID-19) has and continues to impact different industries in different ways. Perhaps the most significant is the healthcare sector. Within the sector,...
Expect An Expert Episode 1: Fire Safety
Posted October 12, 2020
Safety
Industry Insights
Expert Tips
Commercial Lines
A fire has a devastating impact on a business. Did you know that 40% of business that have a major fire do not reopen? And...
Announcing Henderson Brothers’ Podcast, Expect An Expert
Posted October 12, 2020
Expert Tips
Company News
We are pleased to announce the launch of our new podcast, Expect An Expert. We look forward to bringing analytics and expert analysis to navigate...
October is Distracted Driving Month
Posted October 9, 2020
Risk Control
Safety
This year, October is Distracted Driving Awareness Month, the month is dedicated to bringing awareness and action to the growing problem of distracted driving behaviors. ...
Please Welcome Amanda Beam, Client Support Specialist
Posted October 2, 2020
Company News
Henderson Brothers is pleased to welcome Amanda Beam as a Client Support Specialist in the Emerging Markets Team of the Employee Benefits Practice. Amanda is...
Please Welcome Jennifer Rumbaugh, Worksite Sales Leader
Posted September 29, 2020
Company News
Henderson Brothers is pleased to welcome Jennifer Rumbaugh as a Worksite Sales Leader in the Employee Benefits Practice. Jennifer was hired in June of 2020....
Henderson Brothers Wins Pittsburgh Top Workplaces 2020 Awards
Posted September 21, 2020
Company News
Henderson Brothers, Inc. has been awarded a Top Workplaces 2020 honor by the Pittsburgh Post-Gazette. This is the fifth time that Henderson Brothers was honored...
Please Welcome Nicholas Sisinni, Sales Consultant
Posted September 18, 2020
Company News
Henderson Brothers is pleased to welcome Nicholas Sisinni as a Sales Consultant in our Commercial Lines Department. Nicholas is a graduate of Penn State University;...
Please Welcome Deanna Lutz, Account Analyst
Posted September 18, 2020
Company News
Henderson Brothers is pleased to welcome Deanna Lutz as an Account Analyst in our Commercial Lines Department. Deanna was born and raised in Pittsburgh and...
Join the National Safety Stand-Down To Prevent Falls in Construction
Posted September 15, 2020
Safety
Expert Tips
OSHA's 7th annual National Safety Stand-Down to Prevent Falls start September 14th and runs through September 18th this year. Each year OSHA brings together employees...
Take Our COVID-19 Recovery Benchmarking Survey
Posted September 3, 2020
Safety
Industry Insights
Henderson Brothers has developed a COVID-19 benchmarking survey to identify best practices. Our survey is designed to evaluate recovery progress and actions taken that have...
Please Welcome Jessica McMahon, Business Associate
Posted August 14, 2020
Company News
Henderson Brothers is pleased to welcome Jessica McMahon as a Business Associate in our Commercial Lines Department. Jessica is a graduate of Winthrop University; she...
Please Welcome Julia Painter, Business Associate
Posted August 14, 2020
Company News
Henderson Brothers is pleased to welcome Julia Painter as a Business Associate in our Commercial Lines Department. Julia was hired in March of 2020.
Industrial Hygiene Webinar
Posted July 20, 2020
Coronavirus
Safety
Henderson Brothers, in partnership with SKC, is pleased to present a special webinar event focused on the application of industrial hygiene concepts and technology in...
4 Hour Driver Safety Training
Posted July 16, 2020
Safety
DriveSAFE was created by the WVU Health & Safety Extension Service to help train workers in the oil and gas industry. This training session will...
Webinar: Insurance Implications in a COVID-19 Environment: An Update from Washington D.C
Posted June 9, 2020
Coronavirus
Employee Benefits
Time June 24, 2020 10:00 AM in Eastern Time (US and Canada) Overview: Henderson Brothers is pleased to welcome Joel Wood, Senior Vice President, Government Affairs...
Insurance policies cover riot damage, but it’s more complicated than that
Posted June 4, 2020
Industry Insights
Commercial Lines
Our Vice President of Commercial Lines, Clem Wandrisco, weighs on the in application of insurance coverage for damage from a riot: Insurance policies cover riot...
Webinar: Reopening the Workplace , Thursday, May 21st
Posted May 18, 2020
Coronavirus
Employee Benefits
Reopening the Workplace: Addressing the Challenges Employers will Face When Operations Resume Presented by Henderson Brothers and Littler Mendelson P.C. Register for our Henderson Brothers...
Reopening Pennsylvania Businesses – Guidance for Counties that Move to Yellow
Posted May 13, 2020
Coronavirus
Compliance Alert
Governor Wolf’s Process to Reopen Pennsylvania includes specific protocol all businesses must follow to ensure a safe reopening process. Under the yellow phase of reopening,...
Expert Update, COVID-19
Posted May 12, 2020
Coronavirus
Employee Benefits
Expert Tips
Commercial Lines
Over the past several months our team of experts from across our business units have been delivering thought leadership to clients. The Henderson Brothers Property...
HB Retirement Market Update Call for Plan Sponsors and Participants 4/29/20
Posted May 5, 2020
Industry Insights
Click here to access the HB Retirement Market Update Call for Plan Sponsors and Participants, 4/29/20 The opinions voiced in this presentation are for general...
Pandemic Business Recovery Webinar
Posted April 27, 2020
Coronavirus
Safety
Expert Tips
Once the stay-at-home order is lifted and businesses begin to re-open in phases, your team members must prepare to safely re-occupy the workplace. This free...
COVID-19 Personal Auto Premium Credits for April & May 2020
Posted April 16, 2020
Coronavirus
Expert Tips
Many have been sheltering-in-place, doing their part to help flatten the curve of this pandemic. Auto customers are driving less and reducing their exposure, so...
Top Questions from Small Businesses about COVID-19
Posted April 9, 2020
Coronavirus
For the last 3 years our local and national benchmarking survey has asked employers about their top priority regard the design and objectives of their...
HB Retirement Market Volatility Call for Plan Sponsors
Posted April 9, 2020
Industry Insights
Expert Tips
Listen to the HB Retirement Market Volatility Call for Plan Sponsors (external link) This material is for general information only. It is not intended to...
Departments Release Information for COVID-19 Business Tax Credits
Posted March 24, 2020
Coronavirus
Employee Benefits
Compliance Alert
On Friday, March 20th, the U.S. Treasury Department, Internal Revenue Service and the U.S. Department of Labor distributed a news release that contains important information...
IRS announces delay to “Tax Day” – Tax filing deadline is now July 15th
Posted March 24, 2020
Compliance Alert
The Treasury Department and Internal Revenue Service announced on March 20th that the federal income tax filing due date is automatically extended from April 15,...
Details of the Proposed Phase 3 Relief from Congress
Posted March 20, 2020
Coronavirus
The Trump administration is asking Congress for roughly $1 trillion in new economic relief as lawmakers begin to work on the next phase of federal...
Upcoming Changes to PA Workers Compensation Treatment of Prevailing Wage Fringe Benefit Payments
Posted March 20, 2020
Commercial Lines
On April 1, 2020 the PCRB will be implementing revisions to Basic Manual Rule V- Premium Basis. The most impactful of these changes involves the...
Maintain Mental Health Well-Being During a Quarantine
Posted March 20, 2020
Coronavirus
Expert Tips
In response to the coronavirus disease 2019 (COVID-19) pandemic, the Centers for Disease Control and Prevention and the World Health Organization have recommended that individuals...
Whitepaper: Employee Exposure Considerations and Response Plan
Posted March 20, 2020
Coronavirus
Employee Benefits
You may have employees who are requesting a response plan or related information if he, she, or a colleague is exposed to the Coronavirus (COVID-19)....
Group Health Plan Coverage Implications: HDHP’S Can Cover COVID-19 Testing and Treatment Pre-Deductible
Posted March 15, 2020
Coronavirus
Employee Benefits
Safety
On March 11, 2020, the IRS announced that high-deductible health plans (HDHPs) may cover COVID-19 testing and treatment without a deductible or with a deductible...
The Importance of Telehealth in Managing COVID-19
Posted March 15, 2020
Coronavirus
Employee Benefits
As the coronavirus continues to spread and disrupt our lives – and with testing kits not yet widely available – people are looking for ways...
White Paper: Coronavirus and Potential Business Interruption Claims
Posted March 10, 2020
Coronavirus
Industry Insights
Commercial Lines
There are a number of risk management options you and your organization may want to consider when faced with events such as the spread of...
COVID-19 (Coronavirus) Update
Posted March 3, 2020
Coronavirus
Safety
This update is adapted from the Center for Disease Control fact page on COVID-19. The CDC is responding to an outbreak of respiratory disease caused...
Please Welcome Jordan Yoklic, Client Support Specialist
Posted February 17, 2020
Company News
Henderson Brothers is pleased to welcome Jordan Yoklic as a Client Support Specialist in our Employee Benefits Practice. Jordan attended Ohio University. He was hired...
Please Welcome Brandon Mohr, Claims In-House Counsel
Posted February 17, 2020
Company News
Henderson Brothers is pleased to welcome Brandon Mohr to our Claims Department as Claims In-House Counsel. Brandon is a graduate of The College of Wooster...
Please Welcome Andrew Cooper, Senior Plan Consultant
Posted January 10, 2020
Company News
Henderson Brothers is pleased to welcome Andrew Cooper as a senior plan consultant in HB Retirement. Andrew has had experience in nearly every aspect of...
Please Welcome April Ginsburg, Health Strategy Consultant
Posted January 10, 2020
Company News
Henderson Brothers is pleased to welcome April Ginsburg as our Health Strategy Consultant. April is a Registered Dietitian and Certified Diabetes Educator with undergraduate work...
Please Welcome Benjamin Wasson, Client Services Associate
Posted January 10, 2020
Company News
Henderson Brothers is pleased to welcome Benjamin Wasson as a Client Services Associate in HB Retirement. Benjamin graduated from the University of Tampa with a...
October and Early November is Peak Activity for Adult Deer Ticks. Do You Know Lyme Disease Symptoms?
Posted November 6, 2019
Safety
Expert Tips
In the Fall, we will still spend time outside and peak activity for adult deer ticks occurs in late October and early November. Of adults...
Henderson Brothers Welcomes Travis Campolong, Financial Analyst
Posted October 15, 2019
Company News
Henderson Brothers is pleased to welcome Travis Campolong as a financial analyst in our Employee Benefits practice. Travis graduated from Penn State University with a...
Henderson Brothers Welcomes Shelley O’Brien, Sales Associate
Posted October 15, 2019
Company News
Henderson Brothers is pleased to welcome Shelley O'Brien as a sales associate in our Employee Benefits practice. Shelley has a bachelor’s degree from Duquesne University,...
What should you expect in the wake of a cyber security incident, and how can you prepare your organization?
Posted October 7, 2019
Safety
Industry Insights
Expert Tips
Commercial Lines
Your organization’s cyber security should not be an afterthought. Your business likely has a fire evacuation plan, hopefully has a business interruption plan, and may...
Please Welcome Mark Sikora, Senior Financial Analyst
Posted September 3, 2019
Company News
Henderson Brothers is pleased to welcome Mark Sikora, Senior Financial Analyst in Employee Benefits. Mark was hired in April of 2019.
Please Welcome Oliver Lovelock, Account Analyst
Posted September 3, 2019
Company News
Henderson Brothers is pleased to welcome Oliver Lovelock as an Account Analyst in the Commercial Lines Department. Oliver was hired in March of 2019.
Please Welcome James Scheiber, Sales Consultant
Posted September 3, 2019
Company News
Henderson Brothers is pleased to welcome James Scheiber as a Sales Consultant in Employee Benefits. James has a bachelor’s degree from Duquesne University and has...
How do HRA, HSA and FSA differ when you’re eligible for Medicare?
Posted August 12, 2019
Employee Benefits
Does your health insurance policy include a spending account or reimbursement arrangement from which you can pull funds for out-of-pocket healthcare expenses? If so, you...
Can I Elect Cobra if I am Medicare Eligible?
Posted July 22, 2019
Employee Benefits
Expert Tips
Recently retired or retiring soon? Deciding what to do with your health insurance coverage can be a challenge, but we’re here to help. The following...
Reviewing Certificates of Insurance
Posted July 15, 2019
Expert Tips
Commercial Lines
Insurance 101
Insurance is an important component of many business transactions. Whether you’re a construction company hiring subcontractors, a manufacturer contracting with a supplier for component parts,...
Please Welcome John Gamber, Consultative Associate
Posted July 9, 2019
Company News
Henderson Brothers is pleased to welcome John Gamber as a Consultative Associate in Employee Benefits. John is a graduate of Frostburg State University and originally...
Please Welcome Angela Pogel, Assistant Vice President
Posted July 9, 2019
Company News
Henderson Brothers is pleased to welcome Angela Pogel as an Assistant Vice President in Employee Benefits. She has 25 years of insurance experience and joined...
Please Welcome Olivia Adams, Account Analyst
Posted July 9, 2019
Company News
Henderson Brothers is pleased to welcome Olivia Adams as an Account Analyst in Commercial Lines. She is a Penn State graduate with previous experience and...
Please Welcome Joseph Cravotta, Senior Retirement Plan Consultant
Posted June 10, 2019
Company News
Henderson Brothers is pleased to welcome Joseph Cravotta as a Senior Retirement Plan Consultant. Joseph was hired in January of 2019. Joseph has a bachelor’s...
How Drained Will a Pipe Burst Leave You?
Posted June 4, 2019
Industry Insights
Commercial Lines
The Henderson Brothers’ Claims Department assists adjusters to make sure the correct cause of loss is determined to engage the proper coverage for our client....
Creating A Family Evacuation Plan
Posted June 3, 2019
Safety
Expert Tips
A Plan for everyone Take into account all of your household members including staff and pets, and discuss the plan with them. Because you might...
How To Win The War On Talent
Posted May 13, 2019
Employee Benefits
Expert Tips
Insurance 101
By Chris Shipley, Vice President and Director of Emerging Markets I would bet that I see at least 2-3 articles a week about the strength...
Distracted Driving Quiz: Do you know the correct facts?
Posted April 3, 2019
Safety
Expert Tips
April is Distracted Driving Awareness Month. Nearly half of all drivers feel less safe on the road than they did five years ago because of...
Building a Financial Safety Net for Your Workforce
Posted March 27, 2019
Employee Benefits
Expert Tips
Hello, meet Mike. Mike is the sole provider for his family. He supports his wife, Jane, and two children, James and Ava. He has a...
Please Welcome Stephen Margaria, Client Services Associate
Posted March 25, 2019
Company News
Henderson Brothers is pleased to welcome Stephen Margaria as a client service associate in HB Retirement. Stephen is a graduate in Economics from Kenyon College....
Please Welcome Pam Gillespie, Account Analyst
Posted March 25, 2019
Company News
Henderson Brothers is pleased to welcome Pam Gillespie. She will be working in the Commercial Lines Department as an Account Analyst. Pam was hired in...
Please Welcome Paula Niebles, Personal Lines Analyst
Posted March 25, 2019
Commercial Lines
Henderson Brothers is pleased to welcome Paula Niebles as a Personal Lines Analyst. Paula was most recently an intern at Henderson Brothers and she was...
Is Your Insurance Policy Enough to Protect Your Valuables?
Posted March 20, 2019
Expert Tips
Insurance 101
Homeowner’s or a renter’s insurance will protect your belongings in your home and help you to replace them if they are stolen, damaged, or destroyed....
Get Your HIPAA Ducks in a Row: Reduce Your Risk of Failing a Compliance Audit
Posted March 18, 2019
Employee Benefits
Compliance Alert
Expert Tips
Many of us had envisioned that we would see less enforcement in the Health Insurance Portability and Accountability (HIPAA) compliance arena. This is not the...
District Court Rules on Employer EEO-1 Survey Data
Posted March 13, 2019
Employee Benefits
Compliance Alert
On March 4, 2019, a U.S. District Court ruled that the White House Office of Management and Budget’s (OMB) reasons for discontinuing the 2017 EEO-1...
Severe Weather Advisory Tips
Posted February 25, 2019
Expert Tips
Insurance 101
Over 140,000 households suffered a loss of power throughout southwestern Pennsylvania due to yesterday’s windstorm. After an event like this, it is a good time...
Rule Changes to OSHA’s Electronic Recordkeeping Standard
Posted February 8, 2019
Compliance Alert
Safety
On January 25, 2019, the Occupational Safety and Health Administration (OSHA) issued a final rule rescinding their “2016 Rule” which had been established to Improve...
Monitor Hours-of-Service, Don’t Aggressively Manage or Cut Them
Posted February 6, 2019
Employee Benefits
Compliance Alert
HR departments for large employers all across the country are focused once again on getting out their 1095-Cs. This process brings to light for many...
Happy Tails: Travel Safely with Your Pet
Posted February 6, 2019
Expert Tips
Insurance 101
Bringing your favorite pet can add to the fun of a vacation, but only if you plan ahead carefully. Here are some tips for a...
Please Welcome Herb Catausan, Senior Consultant
Posted January 23, 2019
Company News
Henderson Brothers is pleased to welcome Herb Catausan, senior consultant in our employee benefits division. Herb joined the team in October 2018. As a graduate...
The EEOC Officially Removes Wellness Plan Incentive Rules
Posted January 22, 2019
Employee Benefits
Compliance Alert
In late December 2017, the judge in the AARP vs. EEOC case ordered that the wellness plan incentive rules contained in the Equal Employment Opportunity...
Evaluating the Impact of Pennsylvania Workers’ Compensation Rates
Posted January 16, 2019
Industry Insights
Expert Tips
Commercial Lines
On January 1, The Pennsylvania Insurance Department approved a new workers compensation rate filing which reduced rates an average of 10%. This unusual mid-year rate...
Please Welcome David Yuhas, Applications Manager
Posted January 14, 2019
Employee Benefits
Henderson Brothers is pleased to welcome David Yuhas as an applications manager in the IT department. David has a bachelor's degree in information science from...
Please Welcome Robert Bernhart, Senior Claims Specialist
Posted January 14, 2019
Company News
Henderson Brothers is pleased to welcome Robert Bernhart as a senior claims specialist in commercial lines. Robert comes to Henderson Brothers with over two decades...
Please Welcome Noelle Hoguet-Singer, Account Analyst
Posted December 20, 2018
Company News
Henderson Brothers is pleased to welcome Noelle Hoguet-Singer, Account Analyst in the commercial lines department. Noelle is a graduate of East Stroudsburg State University and...
Pennsylvania Employers: Newly-Enacted Act 111 Is Intended To Be a Compromise After the Fall-Out of the Protz Decision and Resulting Workers’ Comp Rating Changes.
Posted November 12, 2018
Compliance Alert
Industry Insights
Expert Tips
Commercial Lines
In June and July of 2017, Henderson Brothers reported on the impact that the Pennsylvania Supreme Court’s decision in Protz v. W.C.A.B. (Derry Area School...
Please Welcome Charlotte Conrad, Business Associate
Posted November 9, 2018
Company News
Henderson Brothers is pleased to welcome Charlotte Conrad, Business Associate in the commercial lines department. Charlotte was hired in August of 2018.
Please Welcome John Aliveto, Risk Control Specialist
Posted November 1, 2018
Company News
Henderson Brothers is pleased to welcome John Aliveto as a Risk Control Specialist. John received his bachelor's degree from West Virginia University and his master's degree...
Your Commercial General Liability Policy, Liquor Liability Exclusion, and Evolving Exposure as an Event Host or Manager: What You Need to Know
Posted October 25, 2018
Industry Insights
Expert Tips
Historically, as a venue destination, your exposure to losses related to the selling, serving, or furnishing of alcoholic beverages was marginal. You could operate day-to-day...
Please Welcome David Wright as a Sales Associate
Posted October 10, 2018
Company News
Henderson Brothers is pleased to welcome David Wright as a Sales Associate for the Employee Benefits department. He comes to Henderson Brothers with 4 years...
Please Welcome Michael Mills as a Benefits Consultant
Posted October 9, 2018
Company News
Henderson Brothers is pleased to welcome Michael Mills as a Benefits Consultant. Michael has a bachelor's degree from the University of Pittsburgh, and a master's...
Please Welcome William Findle as Claims Supervisor
Posted October 9, 2018
Company News
Henderson Brothers is pleased to welcome William Findle as the new Claims Department Supervisor. William comes to Henderson Brothers with extensive claim management experience forged...
Please Welcome Stephanie Kobys as a Client Consultant
Posted September 19, 2018
Company News
Henderson Brothers is pleased to welcome Stephanie Kobys as a client consultant to the Employee Benefits department. She comes to Henderson Brothers with 8 years...
Please Welcome Kathleen Botkin as a Business Associate
Posted September 13, 2018
Company News
Henderson Brothers is pleased to welcome Kathleen Botkin as a business associate in our small business unit. Kathleen graduated from the University of Pittsburgh and...
Please Welcome Matthew Brodman as a Consultative Associate
Posted September 13, 2018
Company News
Henderson Brothers is pleased to welcome Matthew Brodman as a Consultative Associate. Matthew is a graduate of John Carroll University and completed Duquesne University's CFP...
Workers’ Compensation FAQs in Pennsylvania
Posted September 11, 2018
Expert Tips
Commercial Lines
Statistics show that when workers’ compensation claims are reported in a timely manner, there is a better outcome for both the injured worker and the...
Please Welcome Daragh Flaherty as an Accountant
Posted August 4, 2018
Company News
Henderson Brothers is pleased to welcome Daragh Flaherty as an Accountant. She comes to Henderson Brothers with 12 years of retail experience, and 9 of...
Please Welcome Kellie Moorcroft as a Senior Financial Analyst
Posted August 4, 2018
Company News
Henderson Brothers is pleased to welcome Kellie Moorcroft as a Senior Financial Analyst in the benefits department. She comes to Henderson Brothers with over four...
Expert Update: Can I Add Personal Vehicles to My Business Policy?
Posted July 26, 2018
Expert Tips
Commercial Lines
Can I add my personal vehicle to my business policy?” “I need to add a driver – my 16-year-old son just passed his driver test.”...
Expert Update: When OSHA Knocks
Posted July 12, 2018
Safety
Expert Tips
Commercial Lines
When a safety program is in force and everything is in place, it is sometimes easy to think that we are in the clear. What...
2019 Health Insurance Premium Increases Uncertain, as ACA Risk Adjustment Payments Put on Hold
Posted July 9, 2018
Employee Benefits
Compliance Alert
On July 7, 2018, the Trump Administration announced it would halt ACA risk adjustment payments due to or collectible from health insurers for 2017 benefit...
Expert Update: Am I A Good Bonding Risk?
Posted June 18, 2018
Expert Tips
Commercial Lines
What are Surety Bonds? Although bonds are typically handled by insurance agencies, their application and underwriting are unrelated to the insurance process, and will feel...
Please Welcome Spencer Miller as the Director of IT
Posted June 11, 2018
Company News
Henderson Brothers is pleased to welcome Spencer Miller as the Director of IT. Spencer brings over 20 years of IT experience and proven leadership skills....
Please Welcome Amanda Keller as a Business Associate
Posted May 25, 2018
Company News
Henderson Brothers is pleased to welcome Amanda Keller as a Business Associate in Commercial Lines. Amanda is a graduate of California University of Pennsylvania. She joined us in...
Compliance Alert: Upcoming 2018 CVSA Roadside Blitz on Hours of Service Logs
Posted May 24, 2018
Compliance Alert
Safety
Commercial Lines
During the first week of June (specifically June 5th, 6th, and 7th), the Commercial Vehicle Safety Alliance (CVSA) in conjunction with local jurisdiction will be...
May 9th is ‘Henderson Brothers Day’ in Pittsburgh
Posted May 9, 2018
Company News
Passed by proclamation by the Pittsburgh City Council on Tuesday, April 24, 2018; it reads as follows: “WHEREAS, Henderson Brothers, Inc. is a Pittsburgh –...
What Makes a Driver Distracted?
Posted April 18, 2018
Safety
Expert Tips
Insurance 101
April is Distracted Driving Month. Did you know? In 2015, there were 3,477 people killed and an estimated additional 391,000 injured in motor vehicle crashes involving...
Please Welcome Dori Chitu as an Account Analyst
Posted March 23, 2018
Company News
Henderson Brothers is pleased to welcome Dori Chitu as an Account Analyst in Commercial Lines. Dori is a graduate of Clarion University of Pennsylvania. She...
Expert Update: Signing a Master Service Agreement
Posted March 21, 2018
Expert Tips
Commercial Lines
In the energy sector, the steel-toed boots of a sub-contractor can’t set foot on a jobsite without signing a Master Service Agreement (MSA). What are...
Please Welcome Kyle Tomer as a Personal Lines Consultant
Posted February 9, 2018
Company News
Henderson Brothers is pleased to welcome Kyle Tomer as a Personal Lines Consultant. Kyle is a graduate of Pennsylvania State University. He joined us in...
Beyond Medical Coverage: Protect your employees from rising deductibles and higher out-of-pocket costs
Posted February 8, 2018
Employee Benefits
Many companies are offering High Deductible Health Plans (HDHPs) to fight against what seems to be the never-ending battle of increasing employee benefits costs. As...
Expert Update: Risk Management Tools for Temp and Leased Employees
Posted February 6, 2018
Industry Insights
Expert Tips
Commercial Lines
The economic challenges of the 21st century are forcing many employers to use alternative strategies with employment practices. Using temporary or leased employees gives employers...
Insureds with Marijuana Operations Must Be Mindful of Illegal Acts Exclusions
Posted February 1, 2018
Safety
Industry Insights
Commercial Lines
Recreational and medical marijuana use laws have been enacted in many states. Much has been written regarding the conflict between these state statutes, which permit...
Please Welcome Patrick O’Brian as a Personal Lines Consultant
Posted January 5, 2018
Company News
Henderson Brothers is pleased to welcome Patrick O'Brian as a Personal Lines Consultant. Patrick is a graduate of Eastern Florida State College. He joined us...
Please Welcome Mitchell Fernendez as a Consultative Associate
Posted December 26, 2017
Company News
Henderson Brothers is pleased to welcome Mitchell Fernandez as a Consultative Associate in the Commercial Lines Department. He is from Port Huron, MI and is a California University of...
Please Welcome Tiffany Benigni as a Financial Advisor
Posted December 11, 2017
Company News
Henderson Brothers is pleased to welcome Tiffany Benigni as a Financial Advisor in HB Retirement. She is a Robert Morris University graduate. Tiffany joined us in September of...
Please Welcome Paul Mackey as a Consultative Associate
Posted December 3, 2017
Company News
Henderson Brothers is pleased to welcome Paul Mackey as a Consultative Associate in the Commercial Lines Department. He is from Pittsburgh and is a Penn State graduate. Paul joined us in September...
Please Welcome Terry Dunbar as Sales Consultant
Posted December 3, 2017
Company News
Henderson Brothers is pleased to welcome Terry Dunbar as a Sales Consultant in the Employee Benefits Department. He is a Washington and Jefferson College graduate. Terry joined us in...
Please Welcome Patrick McCallister as Plan Consultant
Posted December 3, 2017
Company News
Henderson Brothers is pleased to welcome Patrick McCallister as a Plan Consultant in HB Retirement. He is a Duquesne graduate. Patrick joined us in September of 2017.
Are You Prepared for a Winter Storm? 3 Steps to Keep You Safe
Posted November 21, 2017
Expert Tips
Every year, severe winter weather poses a great risk for you and your family. Here are some tips to keep you and your loved ones...
Industry Insight: The Mechanics of the Product Recall Claim Process
Posted November 10, 2017
Safety
Industry Insights
Expert Tips
Despite recall frequency and the potential for extraordinary costs, most companies don’t adequately plan, prepare, practice for or buy insurance against product recall events. In...
Please Welcome Nicole Hyland as a Business Associate
Posted November 3, 2017
Company News
Henderson Brothers is pleased to welcome Nicole Hyland as a Business Associate in the Small Business Lines Department. She is a Geneva College graduate. Nicole joined us in August of...
Notification of Life Conversion Rights Becoming More Important
Posted November 1, 2017
Employee Benefits
Expert Tips
Some states have laws that require employers to notify terminated employees of their right to convert group life insurance benefits to a direct pay individual...
Expert Tips: Are You Prepared for a Product Recall?
Posted October 19, 2017
Expert Tips
Commercial Lines
Your organic vegetable snack bar has been selling like crazy. I’m talking hockey stick growth year after year. It is a top retailer seller nationwide and it was picked...
Diane Gross hired as a Senior Financial Consultant
Posted October 6, 2017
Uncategorized
Company News
Henderson Brothers is pleased to introduce Diane Gross as a Senior Financial Consultant. As a member of the Employee Benefits department, Diane will provide financial information and risk...
Alexis Gruber hired as an Accountant
Posted October 6, 2017
Company News
Henderson Brothers is pleased to introduce Alexis Gruber as an Accountant. As a member of the Accounting department, Alexis will handle company payables and cash...
Liane Ruch hired as an Executive Assistant
Posted October 6, 2017
Company News
Henderson Brothers is pleased to introduce Liane Ruch as Executive Assistant. As a member of the Employee Benefits department, Liane will assist the Senior Vice...
Q&A: Medicare Part D
Posted October 4, 2017
Employee Benefits
Compliance Alert
Expert Tips
It is that time of year again for plan sponsors to begin preparing their Medicare Part D notices. Employers with group health plans that provide...
Expert Tips: Revitalizing a Safety Plan with Communication
Posted September 28, 2017
Safety
Expert Tips
Commercial Lines
As mentioned in Cutting Costs: by Adding Safety to Your Strategic Initiatives, Mt. Macrina Manor reversed skyrocketing insurance costs by revitalizing a complete team approach...
Expert Tips: Cut Costs by Adding Safety to Your Strategic Initiatives
Posted September 20, 2017
Safety
Industry Insights
Expert Tips
Where does the safety and well-being fit into a company’s goals and strategic initiatives? We often hear of companies promoting wellness to assist employees in...
HSAs: Health Savings Accounts
Posted September 18, 2017
Expert Tips
Health savings accounts (HSAs) are a growing trend in health care. An HSA is a tax-exempt savings account established for the purpose of paying for...
Pennsylvania’s Medical Marijuana Act: What You Need to Know
Posted September 14, 2017
Industry Insights
Expert Tips
Pennsylvania’s Medical Marijuana Act (MMA or the Act), 35 Pa. C.S.A §10231.101, et seq., became effective May 17, 2016. The MMA introduces a new industry...
Pennsylvania Employers: Potential Changes to Your Workers’ Compensation Program
Posted September 5, 2017
Compliance Alert
Industry Insights
Expert Tips
Commercial Lines
What You Need to Know On June 20, 2017, the Pennsylvania Supreme Court held that the Impairment Rating Evaluation (IRE) process was unconstitutional because the...
Indefinite Suspension of the New EEO-1 Report
Posted September 1, 2017
Compliance Alert
The Office of Management and Budget’s Office of Information and Regulatory Affairs (OIRA) has indefinitely suspended the revised EEO-1 Report’s compliance date. Major criticisms of...
Social Engineering: the Crime That Involves Your Cooperation
Posted August 30, 2017
Expert Tips
Commercial Lines
It sounds like far-fetched technology from a spy movie: an enemy agent lays in wait, spying on C-level employee’s email and instant messaging. For months,...
Cyber Liability, Social Engineering, and Professional Liability: What is the Difference?
Posted August 16, 2017
Expert Tips
Commercial Lines
The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. A...
Announcing the 2017 Best in Benefits Seminar
Posted August 14, 2017
Employee Benefits
On September 14th, Henderson Brothers will present the results of our industry-leading benefits benchmarking survey. Register now to attend the seminar where you will find...
Courtney Stauffer hired as an Account Analyst
Posted August 11, 2017
Company News
Henderson Brothers is pleased to introduce Courtney Stauffer as an Account Analyst. As a member of the Employee Benefits department, Courtney will assist in patient...
Trisha Tolmer hired as a Benefits Consultant
Posted August 11, 2017
Company News
Henderson Brothers is pleased to introduce Trisha Tolmer as a Benefits Consultant. As a member of the Employee Benefits Consulting Team, Trisha will work closely to...
Please Welcome Anthony Barone as a Financial Advisor
Posted August 3, 2017
Uncategorized
Company News
Henderson Brothers is pleased to welcome Anthony Barone as a Financial Advisor in HB Retirement. Anthony joined us in May of 2017.
Please Welcome George Heigel as a Financial Analyst
Posted August 3, 2017
Company News
Henderson Brothers is pleased to welcome George Heigel as a Financial Analyst in the Employee Benefits Department. He is a Penn State graduate. George joined us in May of...
Please Welcome Ryan Shilling as a Data Analyst
Posted August 3, 2017
Company News
Henderson Brothers is pleased to welcome Ryan Shilling as a Data Analyst in the Employee Benefits Department. He is from Kittanning and a Duquesne graduate....
Protecting Your Family from Radon Gas
Posted August 3, 2017
Safety
Expert Tips
Radon gas is responsible for 21,000 lung cancer deaths per year, or 58 deaths per day. It carries approximately 1,000x the risk of death as...
Expert Tips: Preparing for Litigation
Posted July 25, 2017
Expert Tips
There is no secret that today we live in a more litigious society. More injured parties are opting to retain attorneys instead of dealing direct...
Q&A: Why Do I Need Renter’s Insurance?
Posted July 21, 2017
Insurance 101
“ I am in my early twenties and I live with a roommate in a small apartment. Everything I own is cheap or used and...
David Harmon Hired as Marketing Coordinator
Posted July 20, 2017
Company News
Henderson Brothers is pleased to introduce David Harmon as the Marketing Coordinator. David will be responsible for coordinating sales and communication efforts between the different departments to...
Jennifer Castellano Hired as a Client Consultant
Posted July 20, 2017
Company News
Henderson Brothers is pleased to introduce Jennifer Castellano as a Client Consultant. As a member of the Employee Benefits department, Jennifer will be collaborating with our customers...
Expert Tips: Contractual Risk Transfer
Posted July 10, 2017
Expert Tips
In this world of complex business relationships, it’s always a good idea to transfer as much risk as possible to the party that is creating...
OSHA Proposes a Delay to Electronic Reporting
Posted July 7, 2017
Safety
In a recent update to its record keeping web page, OSHA has indicated it will not be ready to receive electronic workplace injury and illness...
15 Tips for Protecting Your Identity on the Internet
Posted June 26, 2017
Expert Tips
“I am so worried about protecting myself online. Between phishing, identity theft, and credit card fraud, how can I protect myself online? Should I stop...
Compliance Report: Summary of Senate GOP Health Reform Bill
Posted June 23, 2017
Compliance Alert
Details of the Senate's GOP health reform bill, the “Better Care Reconciliation Act of 2017”, were released yesterday. After much speculation we finally have a...
Compliance Alert: Supreme Court Rules Church-affiliated Plans are Exempt from ERISA
Posted June 15, 2017
Compliance Alert
On June 5, 2017, the U.S. Supreme Court issued a decision holding that an employee benefit plan may be exempt from the Employee Retirement Income...
ER vs. Urgent Care: Choosing the correct treatment option
Posted June 12, 2017
Expert Tips
Insurance 101
After spending the weekend with their toddler nephew, Sarah and her sister, Allison, caught a bad case of the flu. Sarah and Allison are both...
Sherri Ligus hired as a Senior Client Consultant
Posted June 9, 2017
Company News
Henderson Brothers is pleased to introduce Sherri Ligus as a Senior Client Consultant. As a member of the Employee Benefits department, Sherri will be collaborating with our customers to...
Compliance Alert: The Market Stabilization Rule takes effect on June 19, 2017
Posted June 6, 2017
Compliance Alert
The Department of Health and Human Services officially approved the Market Stabilization rule as part of the Patient Protection and Affordable Care Act (ACA) on...
Christopher Magulick hired as a Financial Consultant
Posted June 5, 2017
Company News
Henderson Brothers is pleased to introduce Christopher Magulick as a Financial Consultant. As a member of the Employee Benefits department, Christopher will project expected costs of claims and...
Avoid Medical Billing Mistakes With An Explanation of Benefits
Posted June 2, 2017
Expert Tips
Insurance 101
“I owe how much?” Recently, our customer, Julie, was surprised to learn that a simple procedure she had scheduled with her dermatologist cost her $930...
Ryan Czajkoski hired as a Financial Consultant
Posted June 1, 2017
Company News
Henderson Brothers is pleased to introduce Ryan Czajkoski as a Financial Consultant. As a member of the Employee Benefits department, Ryan will project expected costs of...
Compliance Alert: The American Health Care Act Passes the House
Posted May 5, 2017
Compliance Alert
Advocates of the initiative to replace the Affordable Care Act (ACA) are pleased that the House Republicans were able to pass the American Health Care...
Q&A: Do I Need Car Insurance If I Don’t Need A Car?
Posted April 5, 2017
Expert Tips
Insurance 101
“I want to sell my car. I rent an apartment in the city close enough to my job to walk. I’ve figured out every...
Announcing the New Henderson Brothers’ Website
Posted March 28, 2017
Company News
We are pleased to announce the launch of our new Henderson Brothers' website! Our focus with this update was to make our website easier to use...
HRAs for Small Employers without Group Health Coverage
Posted February 28, 2017
Expert Tips
Insurance 101
The 21st Century Cures Act, which was enacted on December 13th of this past year, includes provisions that permit small employers without group health coverage...
Fixed-Indemnity Benefits May be Taxable
Posted February 28, 2017
Industry Insights
Expert Tips
Insurance 101
By Shari Herrle, Director of Compliance A Chief Counsel Advice (CCA) memorandum issued by the IRS in January concludes that benefits provided under a Fixed...
IRS Proposed Changes to Definition of Tax Dependent
Posted February 28, 2017
Industry Insights
Expert Tips
The Internal Revenue Service has issued proposed regulations that will redefine “dependent”. The changes update existing regulations so that they reflect the IRS’s current position...
HHS Releases New Benefit Parameters
Posted February 28, 2017
Industry Insights
Expert Tips
Insurance 101
Health and Human Services (HHS) released its 2018 health benefit and payment parameters. Employer plan sponsors planning for 2018 will want to take note of...
DOL Announces Adjustments to Employee Benefit Plan Penalties
Posted February 28, 2017
Industry Insights
Expert Tips
Insurance 101
In January of this year the DOL issued its first annual adjustment of civil penalties for several benefit-related violations. The new penalties are effective for...
2017 Publication 15-B – Employers Guide to Fringe Benefits
Posted February 28, 2017
Industry Insights
Expert Tips
For each new calendar year the IRS releases an updated Publication 15-B (Employers Tax Guide to Fringe Benefits) which provides important information many employers rely...
New Policy Brief – The House GOP Leadership ACA Repeal and Replace Plan
Posted February 28, 2017
Industry Insights
Expert Tips
Insurance 101
On February 16, 2017, House Speaker Paul Ryan presented a new Policy Brief that contains many of the key reform elements House Republicans believe are...
Craig Yochum hired as an Associate
Posted February 14, 2017
Company News
As an Associate of HB Retirement, Yochum will utilize his customer service skills to answer questions posed by plan participants. He earned his bachelor’s...
Meredith Felton hired as an Individual Enrollment Specialist
Posted February 9, 2017
Company News
Meredith Felton has joined Henderson Brothers, Inc. as a Medicare & Individual Enrollment Specialist in Employee Benefits. Felton will use her two years of industry...
Jeremy Taggart hired as Financial Analyst
Posted February 9, 2017
Company News
Jeremy Taggart has joined Henderson Brothers, Inc. as a Financial Analyst in the Employee Benefits department. Taggart will use his three years of industry experience...
Scott Martinelli hired as Sales Consultant
Posted February 2, 2017
Company News
Scott Martinelli has joined Henderson Brothers, Inc. as a Sales Consultant in the Employee Benefits department. Martinelli will use his seven years of industry experience...
Groundhogs and Assistance with Prescription Drug Coverage
Posted February 2, 2017
Expert Tips
Insurance 101
Happy Groundhog Day! If you’re a Pennsylvania native, you probably know about the two most famous groundhogs. One predicts when spring is coming, and the...
Michael Morrison hired as Claims Assistant
Posted January 31, 2017
Company News
Michael Morrison has joined Henderson Brothers, Inc. as a Claims Assistant in the Claims department. Morrison will use his three years of industry experience to...
Marina Bernhard hired as Administrative Assistant
Posted January 26, 2017
Company News
Marina Bernhard joined Henderson Brothers, Inc. as an Administrative Assistant. Bernhard will utilize her 30 years of experience in administration to provide heroic customer service....
David Trushel hired as Account Executive
Posted January 24, 2017
Company News
David Trushel has joined Henderson Brothers, Inc. as an Account Executive in the Commercial Lines department. Trushel will use his four years of industry experience...
Retirement and COBRA
Posted January 10, 2017
Industry Insights
Expert Tips
Insurance 101
Recently retired or retiring soon? Choosing how to spend your funds and time can be an overwhelming part of retirement. Deciding what to do with...
Tenant Users Liability Policy Protection 2017
Posted January 9, 2017
Expert Tips
Insurance 101
To download a specimen policy, please use this link: TULIP Specimen Policy Please note that the information contained in this document is designed to provide...
Henderson Brothers’ Rob Hippert Awarded Chartered Property Casualty Underwritier (CPCU) Designation
Posted November 7, 2016
Company News
PITTSBURGH, November 7, 2016 – Rob Hippert, Account Executive in the Commercial Lines department at Henderson Brothers, Inc., recently was awarded the designation of Chartered...
Braden Brodsky hired as Senior Financial Analyst
Posted November 3, 2016
Company News
Braden Brodsky has joined Henderson Brothers, Inc. as a Senior Financial Analyst in the Employee Benefits department. Brodsky will use his three years of...
Renee Anderegg hired as Senior Sales Assistant
Posted November 1, 2016
Company News
Renee Anderegg has joined HB Retirement as a Senior Sales Assistant. Anderegg will use her 10 years of industry experience to assist with preparation for...
In Case You Missed It: Facebook Live Medicare Seminar
Posted October 27, 2016
Insurance 101
Last week, our Medicare Expert, Daniel Dennehy-Rodriguez, provided our Facebook audience with information about this year's Medicare Open Enrollment. For those of you who are...
Thomas Quealy hired as Consultative Associate
Posted October 25, 2016
Company News
Thomas Quealy has joined Henderson Brothers, Inc. as a Consultative Associate in the Consultative department. In his new role, Quealy will be providing compliance...
Eric Brown hired as Consultative Associate
Posted October 20, 2016
Company News
Eric Brown has joined Henderson Brothers, Inc. as a Consultative Associate. As a member of the Consultative department, Brown will provide compliance training and...
Facebook Live Medicare Seminar
Posted October 20, 2016
Industry Insights
Expert Tips
Company News
Henderson Brothers will host a live Facebook seminar for anyone approaching retirement or helping someone who is already on Medicare. During the Seminar...
Key Elements of the New Federal Contractor Paid Sick Leave Requirements
Posted October 14, 2016
Industry Insights
Expert Tips
Company News
On September 29, 2016, the Department of Labor (DOL) released a final rule implementing the regulations for Federal Contractors and subcontractors to provide...
Large Employer Update: Final 2016 1094-C and 1095-C Forms
Posted October 14, 2016
Industry Insights
Expert Tips
Company News
The IRS has released its final 1094-C and 1095-C forms and instructions for the 2016 Affordable Care Act (ACA) filing requirement. Applicable Large...
2017 Adjusted Fringe Benefit Limits
Posted October 14, 2016
Industry Insights
Expert Tips
Company News
Every year a number of tax figures are adjusted for inflation based on the average Consumer Price Index (CPI) for the 12-month period...
New EEO-1 Report for 2017
Posted October 13, 2016
Industry Insights
Expert Tips
Company News
On September 29, 2016, the U.S. Equal Employment Opportunity Commission (EEOC) announced revisions to its Employment Information Report (EEO-1). The modified reporting process,...
ACA Section 1557 Overview
Posted October 13, 2016
Industry Insights
Expert Tips
Company News
Plan sponsors are receiving information from their Third Party Administrators (TPAs) and insurers regarding the Affordable Care Act's (ACA) Code § 1557 non-discrimination...
Get Your Cafeteria Plan Documents in Order
Posted October 13, 2016
Industry Insights
Expert Tips
Company News
It is important to understand that the terms of every Cafeteria Plan ("Section 125 Plan") must be set forth in a written plan...
Reminder! Self-Insured Large Employers Must Request Missing Social Security Numbers
Posted October 13, 2016
Industry Insights
Expert Tips
Company News
Self-insured Applicable Large Employers (ALEs) may want to take time now to review their health plan participant data for missing social security numbers....
Homeowners’ Insurance 101
Posted October 12, 2016
Insurance 101
A homeowners' insurance policy insures your home and the items you keep in it. This video will help simplify and explain some important aspects of...
Chris DeAndrea hired as LPL Associate Financial Advisor
Posted October 4, 2016
Company News
Chris DeAndrea has joined HB Retirement as an LPL Associate Financial Advisor. DeAndrea will use his nine years of industry experience to help plan participants...
2016 Seminars: Understanding Medicare
Posted September 27, 2016
Industry Insights
Expert Tips
Company News
This past Thursday, over 30 guests of Henderson Brothers participated in our Understanding Medicare Seminar at the Doubletree Monroeville, as we discussed the...
Christine Murphy hired as Client Consultant
Posted September 27, 2016
Company News
Christine Murphy has joined Henderson Brothers, Inc. as a Client Consultant in the Employee Benefits division. Murphy will use her six years of industry...
Christopher Leonard hired as Business Associate
Posted September 22, 2016
Company News
Christopher Leonard has joined Henderson Brothers, Inc. as a Business Associate in the Commercial Lines division. In his new role, Leonard will be reviewing...
Josie Urbanski hired as Business Associate
Posted September 20, 2016
Company News
Josie Urbanski has joined Henderson Brothers, Inc. as a Business Associate in the Commercial Lines division. In her new role, Urbanski will be reviewing...
Simplifying Out-of-Pocket Maximum
Posted September 20, 2016
Insurance 101
What is an out-of-pocket maximum? The out-of-pocket maximum is a limit on the amount of money you will pay "out of your pocket" on insurance...
2016 Medicare Seminar Update
Posted September 15, 2016
Industry Insights
Expert Tips
Company News
Due to an overwhelming demand for our upcoming Medicare Enrollment Seminars, we are excited to announce that we've added a 4th location, Downtown...
Nancy Rudowski hired as Senior Account Analyst
Posted September 15, 2016
Company News
Nancy Rudowski has joined Henderson Brothers, Inc. as a Senior Account Analyst in the Employee Benefits division. Rudowski will use her 16 years of...
What to do if You’re Ever Involved in an Auto Accident
Posted September 15, 2016
Industry Insights
Expert Tips
Company News
Millennials: Consider Life Insurance!
Posted September 14, 2016
Industry Insights
Expert Tips
Company News
4 Things Google Never Told You About Your Deductible
Posted September 8, 2016
Insurance 101
Though it might have, if you'd asked. Your deductible is the set dollar amount you have to spend on certain health care services before insurance...
Benjamin Rathfon hired as LPL Financial Advisor
Posted September 2, 2016
Company News
Benjamin Rathfon has joined HB Retirement as an LPL Financial Advisor. Rathfon will use his eight years of industry experience to educate investors and...
Seven small ways you can stop identity theft
Posted September 1, 2016
Industry Insights
Expert Tips
Company News
Identity theft can cause a lot of damage— so it's best to make it as hard as possible for someone to steal your...
Three Responsible Ways to Start Planning Your Next Vacation
Posted August 30, 2016
Industry Insights
Expert Tips
Company News
You know you are getting old when you consider springing for insurance for plane tickets. Spontaneity is fun and all, but a little...
Daniel W. Grealish hired as Consultant
Posted August 30, 2016
Company News
Daniel W. Grealish joins Henderson Brothers, Inc. as a Consultant in the Commercial Lines division and LPL Registered Representative in the Retirement division. Grealish...
Thomas Bowlin hired as Benefits Associate
Posted August 25, 2016
Company News
Thomas Bowlin has joined Henderson Brothers, Inc. as a Benefits Associate in the Employee Benefits division. Bowlin will support the Henderson Brothers' benefits team...
Insurance 101: Collision Coverage, Comprehensive Coverage (Other than Collision), and Deductibles
Posted August 23, 2016
Insurance 101
Throughout this series, we analyzed the importance of ensuring that the limits found within your auto insurance policy are enough to protect you and others...
Jennifer Meyer hired as Account Analyst
Posted August 23, 2016
Company News
Jennifer Meyer has joined Henderson Brothers, Inc. as an Account Analyst in the Employee Benefits division. Meyer will use her 12 years of experience...
Identity Theft: What to do if Yours is Stolen
Posted August 18, 2016
Industry Insights
Expert Tips
Company News
Has your identity been stolen? Act quickly to limit the damage. Make sure you keep copies of all letters, files, reports, and phone...
Insurance 101: First Party Benefits
Posted August 16, 2016
Insurance 101
Previously, we explained the importance of reviewing the limits of liability coverage (Pennsylvania mandates a minimum limit) within your auto policy to help protect you...
Significant Proposed Changes to Form 5500
Posted August 12, 2016
Industry Insights
Expert Tips
Company News
On July 21, 2016, federal regulators released proposed regulations that seek to modernize and improve the Form 5500 annual return/report that is filed...
OSHA Anti-Retaliation Rules to Take Effect Nov. 1
Posted August 12, 2016
Industry Insights
Expert Tips
Company News
On May 12, 2016, the Occupational Safety and Health Administration (OSHA) issued a final rule requiring certain employers to electronically submit data from...
Opt-Out Incentives and ACA Affordability
Posted August 12, 2016
Industry Insights
Expert Tips
Company News
The IRS has issued proposed regulations on how health coverage opt-out payments, also referred to as opt-out incentives, affect health reform's premium affordability...
ACA Updates
Posted August 12, 2016
Industry Insights
Expert Tips
Company News
Over the past few months regulators have been busy issuing clarity on several Affordable Care Act provisions. The following information is a summary...
Why you should avoid telling social media you’re going on vacation (and other travel tips)
Posted August 11, 2016
Industry Insights
Expert Tips
Company News
Vacation season is in full swing, which means that homes are left empty and exposed to potential problems. Use this checklist to help...
Insurance 101: Uninsured (UM) and Underinsured (UIM) Motorist Coverage
Posted August 9, 2016
Insurance 101
In our post regarding liability coverage, we examined the importance of ensuring that the liability limits stated within your auto insurance policy are enough to...
Insurance 101: Tort Options
Posted August 2, 2016
Insurance 101
Scenario: You are involved in an auto accident when a distracted driver speeds through a red light at an intersection. Your car is totaled; you...
Insurance 101: Liability Coverage
Posted July 26, 2016
Insurance 101
Do you think you have a sound understanding of the coverages found within your auto insurance policy? Not knowing what these coverages and the limits...
Wellness Initiative Modifications for GINA and ADA Compliance
Posted July 1, 2016
Industry Insights
Expert Tips
Company News
The Equal Employment Opportunity Commission (EEOC) issued final rules that describe how the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA)...
Health & Welfare Benefits – Rolling into 2017
Posted July 1, 2016
Industry Insights
Expert Tips
Company News
Human Resources and benefit professionals preparing for their next open enrollment season should take time to revisit their reporting and disclosure obligations. It is not...
Health & Welfare Benefits – Rolling into 2017
Posted July 1, 2016
Company News
Human Resources and benefit professionals preparing for their next open enrollment season should take time to revisit their reporting and disclosure obligations. It is not...
More Mail: Health Insurance Marketplace Letters Filling Your In-Bin
Posted July 1, 2016
Industry Insights
Expert Tips
Company News
The post office has been busy delivering Health Insurance Marketplace letters to employers, and in some cases the daily delivery includes multiple letters. So what...
Agencies Issue Proposed Regulations for Expat Health Coverage
Posted July 1, 2016
Industry Insights
Expert Tips
Company News
The IRS, DOL and HHS have issued proposed regulations under the Expatriate Health Coverage Clarification Act of 2014 (EHCCA) spelling out how the Affordable Care...
Erik Palmer hired as Senior Consultant
Posted June 14, 2016
Company News
Erik Palmer has joined Henderson Brothers, Inc. as a Senior Consultant in the Employee Benefits division. Palmer will use his 20 years of industry...
Corry Schimmer hired as Financial Analyst II
Posted June 9, 2016
Company News
Corry Schimmer has joined Henderson Brothers, Inc. as a Financial Analyst II in the Employee Benefits division. He will use his 14 years of...
EEOC Proposes Important Changes to the EEO-1 Report
Posted April 12, 2016
Industry Insights
Expert Tips
Company News
A proposal to revise the EEO-1 report in order to collect pay data and hours worked by gender, race and ethnicity from employers was recently...
Summary of Benefits and Coverage Requirement Revisions to Take Effect 2017
Posted April 12, 2016
Industry Insights
Expert Tips
Company News
On April 6, 2016, the DOL and HHS issued the final revised template and supporting materials for the Summary of Benefits and Coverage ("SBC"). Health...
Correcting Mistakes on Forms 1094-C and 1095-C
Posted April 12, 2016
Industry Insights
Expert Tips
Company News
Applicable large employers (ALEs) that submitted Forms 1094-C and 1095-C should correct any errors as soon as possible to avoid possible penalties. All ALEs are...
Wage and Hour Update: Big Changes to White Collar Exemption
Posted April 12, 2016
Industry Insights
Expert Tips
Company News
A proposed rule that will greatly increase the number of U.S. workers eligible for overtime pay is under review by the Office of Management and...
Federal Contractor Paid Sick Leave: Overview of Proposed Rules
Posted April 12, 2016
Industry Insights
Expert Tips
Company News
Paid sick leave for federal contractors will be implemented for new and replacement contracts resulting from solicitations issued on or after January 1, 2017, according...
Nadine Duncan hired as Consultant
Posted March 3, 2016
Company News
Nadine Duncan joined Henderson Brothers, Inc. as a consultant in the benefits department. With 16 years of experience in the industry, Duncan will use...
Arleen Szczypinski hired as Office Assistant
Posted March 1, 2016
Company News
Arleen Szczypinski joined HB Retirement as an office assistant. Szczypinski will use her ten years of experience to manage the office meeting schedule and...
Pay or Play Penalty- 2016 Affordability Safe Harbor Overview
Posted February 11, 2016
Industry Insights
Expert Tips
Company News
The Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer affordable, minimum value health coverage to their full-time employees or pay a penalty....
2016 Overview of ACA Rules for Employer-Provided Health Coverage
Posted February 11, 2016
Industry Insights
Expert Tips
Company News
Guidance on how certain Affordable Care Act (ACA) provisions apply to employer-provided health coverage was issued by the Internal Revenue Service (IRS). Key provisions...
IRS Provides Tax Guidance on Same-Sex Marriage Issues
Posted February 11, 2016
Industry Insights
Expert Tips
Company News
Guidance on how certain tax rules are impacted by the U.S. Supreme Court's same-sex marriage decision from June 2015 was issued by the Internal Revenue...
Angela DeSimone hired as Accountant
Posted February 11, 2016
Company News
Angela DeSimone joined Henderson Brothers, Inc. as an accountant in the finance department. With eight years of experience in finance, DeSimone will manage general...
Katherine Ramicone hired as Consultative Associate
Posted February 9, 2016
Company News
Katherine Ramicone joined Henderson Brothers, Inc. as a Consultative Associate. As a member of the consultative department, Katherine will provide services such as compliance...
PCORI Fee Adjusted for July 31, 2016
Posted December 23, 2015
Industry Insights
Expert Tips
Company News
Health insurance issuers and self-funded group health plans must contribute to the Patient-Centered Outcomes Research Institute (PCORI). Plan years that end on October 31, November...
New FAQs Released For ACA Market Reform Provisions
Posted December 23, 2015
Industry Insights
Expert Tips
Company News
Direction on implementing services affected by the market reform provisions of the Affordable Care Act is provided in FAQs jointly issued by the Departments of...
EEOC Proposes Rule for GINA’s Impact on Wellness Programs
Posted December 23, 2015
Industry Insights
Expert Tips
Company News
A proposed rule to amend the regulations implementing Title II of the Genetic Information Nondiscrimination Act (GINA) as they relate to employer wellness programs that...
Bipartisan Budget Repeals ACA Automatic Enrollment Provision
Posted December 23, 2015
Industry Insights
Expert Tips
Company News
Health reform's automatic enrollment provision for certain large employers has been repealed. This provision amended the Fair Labor Standards Act (FLSA) to require employer plan...
ACA Information Center for Employers
Posted December 23, 2015
Industry Insights
Expert Tips
Company News
The IRS encourages employers of all sizes to periodically review a new resource called ACA Information Center for Applicable Large Employers. The webpage features information...
Jayne Oliver hired as Client Consultant
Posted November 11, 2015
Company News
Jayne Oliver joined Henderson Brothers, Inc. as a client consultant in the employee benefits department. With over two decades in the insurance industry, Oliver...
Ken Hoggay hired as Assistant Vice President
Posted November 9, 2015
Company News
Ken Hoggay joined Henderson Brothers, Inc. as an assistant vice president of employee benefits. With over 20 years' experience as a consultant, Hoggay's insight...
Lance Petro hired as Risk Control Specialist
Posted October 28, 2015
Company News
Lance Petro joined Henderson Brothers, Inc. as a risk control specialist. Petro's nine years of experience in risk management will continue to build Henderson...
Erin Mays hired as Senior Consultant
Posted October 2, 2015
Company News
Erin Mays joined Henderson Brothers, Inc. as a senior consultant in the personal lines department. With over ten years of consulting experience and a...
Daniel Dennehy-Rodriguez hired as Medicare & Individual Products Specialist
Posted September 30, 2015
Company News
Daniel Dennehy-Rodriguez joined Henderson Brothers, Inc. as a Medicare & Individual Products Specialist in the employee benefits department. With five years of experience in the...
John DeSimone hired as Director of Human Resources
Posted September 22, 2015
Company News
John DeSimone joined Henderson Brothers, Inc. as the Director of Human Resources. With seven years of experience in human resources and an impressive compliance...
Limited MEC Plans Lack Minimum Value Coverage
Posted September 14, 2015
Industry Insights
Expert Tips
Company News
Guidance re-proposed by the IRS reiterates that employer-sponsored health benefits provide minimum value (MV) coverage only if the plan's share of the total allowed costs...
New IRS Draft Instructions for 1094-C and 1095-C Forms
Posted September 14, 2015
Industry Insights
Expert Tips
Company News
Draft instructions to help employers complete the 2015 Forms 1094-C and 1095-C have been released by the IRS. While Applicable Large Employers (ALEs) may use...
Federal Contractors Required to Offer Paid Sick Leave
Posted September 14, 2015
Industry Insights
Expert Tips
Company News
President Obama signed an Executive Order requiring federal contractors to offer their employees up to seven paid sick days per year, according to a fact...
Updated Pregnancy Discrimination Guidance
Posted September 14, 2015
Industry Insights
Expert Tips
Company News
The Supreme Court's recent decision in Young v. UPS has prompted the EEOC to announce an update to its Enforcement Guide on Pregnancy Discrimination and...
Matthew McNeil hired as Financial Analyst
Posted September 11, 2015
Company News
Matthew McNeil joined Henderson Brothers, Inc. as a financial analyst in the benefits department. McNeil brings two years of underwriting experience to Henderson Brothers,...
Medicare Open Enrollment 101: What types of insurance options are available?
Posted September 9, 2015
Insurance 101
Electing the right kind of Medicare coverage for you can be difficult, which is why we're breaking down your three best benefit options step-by-step before...
Carla Gianfrancesco-Tipler joins HBI
Posted September 8, 2015
Company News
Carla Gianfrancesco-Tipler joined Henderson Brothers, Inc. as a claims assistant. Gianfrancesco-Tipler has over ten years of experience to contribute to the Henderson Brothers' claims department,...
Patti Lardin Hired as Executive Assistant
Posted September 3, 2015
Company News
Patti Lardin has been hired as the executive assistant to the president of Henderson Brothers, Inc., as well as to the senior vice president...
Medicare Open Enrollment 101: How does my spouse’s group coverage affect my Medicare benefits?
Posted September 1, 2015
Industry Insights
Expert Tips
Company News
While it's true that age gaps between spouses and different retirement times can complicate your coverage options, we're going break it down step-by-step so you...
Joshua Weigold Hired as Financial Analyst
Posted September 1, 2015
Company News
Joshua Weigold joined Henderson Brothers, Inc. as a financial analyst in the employee benefits department. Weigold will analyze plan renewals and claim activity and...
Chris Balogh Hired as Consultative Associate
Posted August 28, 2015
Company News
Chris Balogh joined Henderson Brothers, Inc. as a consultative associate. As part of Henderson Brothers' consultative department, Balogh will provide clients with comprehensive compliance...
Medicare Open Enrollment 101: Am I eligible if I’m over 65 and still employed?
Posted August 25, 2015
Company News
If you're one of the 17% of Americans over the age of 65 who's decided to stay in the workforce, it's important to know your...
DOL Releases Updated FMLA Notices and Certification Forms
Posted July 8, 2015
Industry Insights
Expert Tips
Company News
The Department of Labor (DOL) recently released updated Family Medical Leave Act (FMLA) notices and certification forms. The forms—which now expire May 31st, 2018—can be...
IRS Provides FAQ Guidance for Form 1095-C
Posted July 8, 2015
Compliance Alert
A new FAQ that addresses the reporting of COBRA coverage on the 1095-C employee statement has been issued by the Internal Revenue Service. The FAQ...
ACA Mid-Sized Employer Transition Relief
Posted July 8, 2015
Industry Insights
Expert Tips
Company News
The IRS has provided a one year reprieve to help mid-sized Applicable Large Employers (ALEs) transition into compliance for the ACA Play or Pay provisions....
HHS Releases Updated HIPAA Guide
Posted July 8, 2015
Industry Insights
Expert Tips
Company News
Our self-insured clients will find it helpful to review the new guide to HIPAA electronic protected health information requirements, which was released by the Department...
New ACA FAQs Clarify Self-Only Annual Cost-Sharing Limit
Posted July 8, 2015
Industry Insights
Expert Tips
Company News
Beginning in 2016, an individual or "self-only" health plan cost-sharing limit will apply to each covered individual, regardless of whether self-only, employee plus spouse, or...
Same-sex marriage ruled a constitutional right by Supreme Court
Posted June 26, 2015
Industry Insights
Expert Tips
Company News
States cannot ban same-sex marriage, the Supreme Court ruled in a 5-4 decision Friday morning. Justice Anthony M. Kennedy's majority opinion firmly stresses marriage, as...
Supreme Court rules in favor of subsidies in state and federal exchanges
Posted June 25, 2015
Industry Insights
Expert Tips
Company News
The Supreme Court ruled today that premium subsidies used to buy health insurance on the Federal Exchange are legal. The 6-3 majority decision in King...
David Graver Hired as Relationship Manager at Henderson Brothers Retirement Plan Services
Posted May 19, 2015
Company News
PITTSBURGH – May 19, 2015 – David Graver, AIF® joined Henderson Brothers Retirement Plan Services as a relationship manager. As primary client contact, Mr. Graver...
Amanda Benner Hired as Client Associate at Henderson Brothers Retirement Plan Services
Posted May 14, 2015
Company News
PITTSBURGH – May 14, 2015 –Amanda Benner joined Henderson Brothers Retirement Plan Services as a client associate. Benner will assist retirement plan participants directly,...
Mary Beth Pronko Hired as Account Analyst at Henderson Brothers
Posted May 12, 2015
Company News
PITTSBURGH – April 12, 2015 – Mary Beth Pronko joined Henderson Brothers, Inc. as an account analyst in the benefits department. With two decades...
New FMLA poster to be released soon
Posted May 11, 2015
Industry Insights
Expert Tips
Company News
A new Family and Medical Leave Act (FMLA) poster with the revised definition of spouse is expected to be released by the Department of Labor...
EEOC addresses ADA implications on wellness plans
Posted May 11, 2015
Industry Insights
Expert Tips
Company News
A wellness program's compliance with standards imposed by HIPAA does not mean that program is compliant with Title 1 of the Americans with Disabilities Act...
Health FSAs and HSAs impacted by ACA “Cadillac” tax
Posted May 11, 2015
Industry Insights
Expert Tips
Company News
Health Flexible Spending Account (health FSA) and Health Savings Account (HSA) contributions will factor into whether an employer's applicable coverage will be subject to the...
SBC regulations to be finalized in “near future”
Posted May 11, 2015
Industry Insights
Expert Tips
Company News
New Summary of Benefits and Coverage (SBC) regulations to be finalized in the "near future" will apply for plan years beginning on or after January...
Recent lawsuit stresses protection offered by DOL electronic disclosure safe harbor
Posted May 11, 2015
Company News
Plan sponsors distributing ERISA plan benefits information electronically should meet the conditions of Department of Labor's (DOL) electronic disclosure safe harbor after recent case law...
Michael Freas Hired as Financial Analyst at Henderson Brothers
Posted May 7, 2015
Company News
PITTSBURGH – April 7, 2015 – Michael Freas has joined Henderson Brothers, Inc. as a financial analyst in the benefits department. Freas will analyze...
Bradley St. Myer Hired as Account Executive at Henderson Brothers
Posted May 5, 2015
Company News
PITTSBURGH – MAY 5, 2015 – Bradley St. Myer joined Henderson Brothers, Inc. as a Property and Casualty account executive. St. Myer will work...
Confused by IRS 6055 & 6056 reporting requirements? HBI is here to help!
Posted March 24, 2015
Company News
Final versions of IRS Forms 1094 and 1095, which are to be used by health plan issuers and employers to fulfill reporting obligations under Code...
Confused by IRS 6055 & 6056 reporting requirements? HBI is here to help!
Posted March 24, 2015
Industry Insights
Expert Tips
Company News
Final versions of IRS Forms 1094 and 1095, which are to be used by health plan issuers and employers to fulfill reporting obligations under Code...
Same-sex marriages now officially recognized by FMLA legislation
Posted March 24, 2015
Industry Insights
Expert Tips
Company News
The Family and Medical Leave Act's (FMLA) definition of "spouse" has been altered to include same-sex marriages, according to a Final Rule released February...
Will a single embedded cost-sharing cap in HDHPs affect your overall plan cost?
Posted March 24, 2015
Industry Insights
Expert Tips
Company News
Clarification on how the ACA annual cost-sharing limitation affects benefits offered under a high-deductible health plan (HDHP) has been released by the Department of Health...
Premium payment plans no longer permissible
Posted February 25, 2015
Industry Insights
Expert Tips
Company News
Most employers that offer a health reimbursement arrangement or premium payment plan to reimburse employees for their non-employer health coverage or Medicare Part B and...
Proposed changes to the summary of benefits and coverage
Posted February 13, 2015
Industry Insights
Expert Tips
Company News
Regulations to modify the Summary of Benefits and Coverage (SBC) requirements have been proposed by the IRS, DOL, and HHS. The proposed changes, which are...
Preparing for “Play or Pay”: Are your employees eligible for premium tax credits?
Posted February 11, 2015
Industry Insights
Expert Tips
Company News
As of January 1, "Play or Pay" penalties are in effect. This means if one of your full-time employees qualifies for premium tax credits for...
IRS Form for excluding employer-provided adoption benefits released
Posted February 11, 2015
Compliance Alert
The IRS released 2014 Form 8839 for claiming employer sponsored adoption benefits. Plan sponsors providing a qualified adoption assistance program should note: Maximum adoption credit...
Home Care Final Rule delayed by Department of Labor
Posted February 11, 2015
Industry Insights
Expert Tips
Company News
Department of Labor's (DOL) Home Care Final Rule has been delayed. The rule was supposed to become effective on January 1. According to the DOL,...
Certain expatriate health plans will now receive ACA relief
Posted February 11, 2015
Industry Insights
Expert Tips
Company News
The Expatriate Health Coverage Clarification Act provides permanent ACA relief for some expatriate plans, including self-insured programs. Qualifying plans are exempt from the following mandates...
Amid lots of outcries, Obama abandons mission
Posted February 2, 2015
Industry Insights
Expert Tips
Company News
President Obama dropped his proposal to cut the tax benefits under Code Sec. 529 college saving plans, a White House official reported last week. ...
Exchange Participants to receive Form 1095-A
Posted January 27, 2015
Industry Insights
Expert Tips
Company News
Form 1095-A is a tax form that will be sent to individuals enrolled in Exchange coverage during the past year. This new form provides information...
House Passes Bill Changing 30 Hour Coverage Threshold to 40
Posted January 26, 2015
Industry Insights
Expert Tips
Company News
The House has passed the Save American Workers Act, H.R. 30. The bill would change the definition of "full-time" worker for purposes of the Affordable...
REMINDER: Post your OSHA Log Summary by February 1
Posted January 16, 2015
Industry Insights
Expert Tips
Company News
It's that time of year again - February 1st marks the deadline for you to tabulate your annual OSHA Log Summary (OSHA Form 300A) and...
OSHA’s new reporting requirements are in effect- are you ready?
Posted January 14, 2015
Industry Insights
Expert Tips
Company News
There've been significant changes to your responsibilities as an employer to report work-related fatalities and severe injuries and illnesses now that a final rule from...
IRS releases guidance on retroactive increase in 2014 excludable transit benefits
Posted January 13, 2015
Industry Insights
Expert Tips
Company News
The IRS has released guidance on how employers should handle the 11th hour retroactive 2014 increase in the monthly exclusion for employer-provided transit and vanpooling...
ACA adds new forms for taxpayers
Posted January 13, 2015
Industry Insights
Expert Tips
Company News
Did you know that the Affordable Care Act ("Obamacare") may affect how you file your taxes? The IRS has just published two new taxes forms,...
Henderson Brothers’ Melissa Hoffman Awarded Certified Professional Insurance Agent (CPIA) Designation
Posted January 6, 2015
Company News
PITTSBURGH, JANUARY 6, 2015 – Melissa Hoffman, senior consultant in the Personal Lines department at Henderson Brothers, Inc., recently was awarded the designation of Certified...
Andrew Siess Hired as Consultant at Henderson Brothers
Posted January 6, 2015
Company News
PITTSBURGH – January 6, 2015 – Andrew Siess was hired as a consultant at Henderson Brothers Inc, working in the Personal Lines department. Siess...
Sarah Perryman Hired as Consultative Associate at Henderson Brothers
Posted January 6, 2015
Company News
PITTSBURGH, JANUARY 6, 2015 – Sarah Perryman was hired as a consultative associate at Henderson Brothers Inc, working in the Consultative department. Prior to...
New ACA Proposed Rules
Posted December 17, 2014
Company News
HHS released a proposed rule on November 26th to address several Affordable Care Act (ACA) provisions, which for many plan sponsors will have limited effect...
Non-Hospitalization/Non-Physician’s Services plans not Minimum Value
Posted December 17, 2014
Company News
Employers with self-sponsored health plans can be penalized beginning January 1, 2015 for failing to offer Minimum Value (MV) if they do not provide ample...
EAPs as Excepted Benefits
Posted December 17, 2014
Company News
Four conditions must be met in order for Employee Assistance Programs (EAPs) to be categorized as excepted benefits for plan years beginning on or after...
Small Employer SHOP for 2015
Posted December 17, 2014
Company News
Online enrollment is now available for small employers purchasing group health benefits through the Small Business Health Options Program (SHOP). Small businesses should weigh all...
OSHA Issues New Recordkeeping and Reporting Requirements
Posted November 20, 2014
Company News
Quick Facts: Employers will have to report a work-related fatality within eight hours Employers will have to report any inpatient hospitalization, amputation or loss of...
ALERT: Transitional reinsurance fee registration delayed until December 5
Posted November 17, 2014
Company News
Department of Health and Human Services has extended the registration and payment scheduling deadline from November 15 to December 5, 2014 until 11:59 p.m. The...
Increased limit on employee contributions to employer-sponsored health care FSAs
Posted November 4, 2014
Employee Benefits
The annual dollar limit on employee contributions to employer-sponsored health care FSAs can be increased to $2,550 in 2015, up from $2,500 in 2014. Employers...
Proposed rules on overtime pay protection delayed until 2015
Posted November 4, 2014
Company News
The Department of Labor (DOL) has delayed its intention to propose rules under the Fair Labor Standards Act (FLSA) addressing overtime pay protection until 2015....
Guidance for using reference prices to determine maximum out-of-pocket expenses
Posted November 4, 2014
Company News
Guidance for non-grandfathered group health plans using reference prices to determine maximum out-of-pocket expenses for various provider networks has been issued in a FAQ...
Finalized dental, vision, and EAP changes to excepted benefits
Posted November 4, 2014
Company News
Conditions for self-insured dental, vision, or long-term care (LTC), and employee assistance programs (EAPs) to be treated as excepted benefits on or after January 1,...
Increased wage base for 2015
Posted November 4, 2014
Company News
The 2015 wage base for computing the Social Security tax will rise to $118,500, announced the Social Security Administration. The base wage will increase $1,500...
ALERT: HPID Requirements Delayed Until Further Notice
Posted November 3, 2014
Company News
Enforcement of the Health Plan Identifier (HPID) final rule has been delayed, the Centers for Medicare & Medicaid Services (CMS) and the Office of e-Health...
Press Release: Henderson Brothers New Hires – October 27, 2014
Posted October 27, 2014
Company News
NORAH O'NEIL HIRED AS AN ACCOUNT ANALYST AT HENDERSON BROTHERS PITTSBURGH – October 27, 2014 – Norah M. O'Neil was hired as an account...
Do you need to apply for a Health Plan Identifier?
Posted October 9, 2014
Company News
Despite rumors that the Centers for Medicare and Medicaid Services (CMS) would either accommodate or exempt self-funded plan sponsors from applying for a Health Plan...
Is your prescription drug coverage creditable?
Posted October 9, 2014
Company News
All Part D Eligible Individuals working for the company must be notified by October 15 as to whether the prescription drug coverage the company offers...
Complete Transitional Reinsurance Payment Information by November 15, 2014
Posted October 9, 2014
Company News
Self-funded plan sponsors should be prepared to provide basic company information, report their gross health plan enrollment count, and set up a payment process on...
IRS Allows Additional Election Changes for Health Coverage Under Cafeteria Plans
Posted October 9, 2014
Employee Benefits
Compliance Alert
The IRS has expanded its mid-year election change rules to permit two additional situations in which participants can drop their employer's health plan coverage. As...
Navigating OSHA’s new recordkeeping and reporting requirements
Posted October 9, 2014
Company News
Effective January 1, 2015, new time restraints for reportable events and an updated list of the industries partially exempt from recordkeeping requirements were released in...
2015 IRS inflation-adjusted limits for health savings accounts: Who’s eligible?
Posted October 9, 2014
Company News
The limit on contributions made to health savings accounts (HSA) and restrictions on deductible and out-of-pocket expenses for 2015 have been released by the IRS...
Press Release: Henderson Brothers New Hires – September 23, 2014
Posted September 23, 2014
Company News
ANASTASIA CHEIKHI HIRED AS AN ACCOUNTANT AT HENDERSON BROTHERS PITTSBURGH – September 23, 2014 – Anastasia Cheikhi was hired as an accountant at Henderson...
Press Release: Henderson Brothers New Hires – September 8, 2014
Posted September 8, 2014
Company News
COURTNEY CLEAVENGER HIRED AS CONSULTATIVE ASSOCIATE AT HENDERSON BROTHERS PITTSBURGH – September 8, 2014 – Courtney Cleavenger was hired as a consultative associate at...
New ACA FAQ – Disclosure with respect to Preventive Services
Posted August 11, 2014
Company News
In a collaborative effort, the DOL, IRS, and HHS released a new FAQ to address what notice requirements apply when a closely-held, for-profit corporation alters...
Code 125 Cafeteria Plan Requirements
Posted August 11, 2014
Company News
Many employers established a Cafeteria Plan well over 20 years ago, and it is very likely, because of IRS rules, that a written plan document...
Premium Credits Still Available to Federal Exchange Enrollees
Posted August 11, 2014
Company News
The IRS has indicated that they will continue to follow established regulations under the ACA's premium tax credit provision. This decision comes in the wake...
Draft Version of IRS Forms Released for 2015 ACA Reporting Requirements
Posted August 11, 2014
Company News
The IRS has released draft versions of Forms that will be used by reporting entities for Code §§ 6055 and 6056 reporting requirements. As communicated...
Press Release: Henderson Brothers New Hires – July 29, 2014
Posted July 29, 2014
Company News
WILLIAM FERGUSON HIRED AS FINANCIAL ADVISOR AT HENDERSON BROTHERS PITTSBURGH – July 29, 2014 – William Ferguson was hired as a financial advisor...
Press Release: Henderson Brothers New Hires – June 23, 2014
Posted June 23, 2014
Company News
MICHELE BEBER HIRED AS SENIOR CLAIMS SPECIALIST AT HENDERSON BROTHERS PITTSBURGH – June 23, 2014 – Michele Beber was hired as a senior claims specialist...
2015 Health Care Reform Compliance Overview
Posted June 16, 2014
Company News
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted over four years ago....
PA Now Recognizes Same-sex Marriages – May 20, 2014 District Court Ruling
Posted June 16, 2014
Company News
PA Now Recognizes Same-sex Marriages – May 20, 2014 District Court Ruling Employers should update their employee benefit plans and policies to address the change...
ACA Fees and Taxes – Understand the Liability, be Prepared to Pay
Posted June 16, 2014
Company News
Overview of the New Fees and Taxes for 2014 Calendar year 2014 is a big year for Affordable Care Act (ACA) health plan fees and...
Press Release: Henderson Brothers New Hires – May 30, 2014
Posted May 30, 2014
Company News
KEVIN BYER HIRED AS HELP DESK TECHNICIAN AT HENDERSON BROTHERS PITTSBURGH – May 30, 2014 – Kevin Byer was hired as help desk technician...
Press Release: Henderson Brothers New Hires – May 2, 2014
Posted May 2, 2014
Company News
SHERRIE MONTGOMERY HIRED AS SENIOR ACCOUNT ANALYST AT HENDERSON BROTHERS PITTSBURGH – May 2, 2014 – Sherrie Montgomery was hired as a senior account analyst...
President Obama Instructs the DOL to Modify Overtime Regulation
Posted April 22, 2014
Company News
On March 13, President Obama asked Thomas Perez, The U.S. Secretary of Labor to "modernize and streamline" the Department of Labor's white collar overtime exemption...
What Size Employer Am I for 2015
Posted April 22, 2014
Company News
The IRS has released transition relief under the employer shared responsibility provisions for 2015 for the purpose of determining the average number of full-time employees...
The Impact of Health FSA Carryover Balances on HSA Eligibility
Posted April 22, 2014
Company News
The IRS released a Chief Counsel Advice (CCA) memorandum that explains how the new health FSA carryover impacts Health Savings Account eligibility. When the IRS...
“Cadillac” Tax on High-Cost Health Coverage
Posted April 22, 2014
Company News
For taxable years beginning in 2018, the Affordable Care Act (ACA) imposes a 40 percent excise tax on high-cost group health coverage. This tax, also...
Summary of 6055 and 6056 Reporting Obligations
Posted April 22, 2014
Company News
On March 10, 2014, the IRS released final regulations detailing the reporting requirements for information returns and individual statements under Code §§ 6055 and 6056...
What You Need to Know About the Heartbleed Bug
Posted April 11, 2014
Company News
Making waves in the Internet security community is the discovery of the Heartbleed bug, a serious vulnerability that allows hackers to steal personal information that...
Flood Insurance Act Provides Relief from Planned Premium Increases
Posted March 28, 2014
Company News
On March 21, 2014, the Homeowner Flood Insurance Affordability Act of 2014 (the Flood Insurance Act) was signed into law. This Act modifies planned flood...
Evacuating Yourself and Your Family
Posted March 14, 2014
Company News
Evacuations are more common than many people realize. Fires and floods cause evacuations most frequently across the United States, and almost every year, people along...
Henderson Brothers’ Michael Muir Earns Associate in Risk Management (ARM) Designation
Posted March 13, 2014
Company News
Michael J. Muir, a financial analyst for Henderson Brothers, Inc., earned his Associate in Risk Management (ARM) designation. The ARM is the premier designation...
Know How to React After a Vehicle Crash
Posted February 19, 2014
Company News
Uh oh, you just got into a fender bender on your way to run a quick errand. What should you do now? Stay calm and...
Often Overlooked Employer Liabilities
Posted February 17, 2014
Company News
Employees are critical to the success of any organization. However, with employees come certain risks and potential liabilities. Those risks and potential liabilities are increased...
New Notice- More Health Reform Clarification & Delays
Posted February 17, 2014
Company News
On February 10, 2014, the IRS and Treasury released final regulations that provide guidance to employers for section 4980H of the Internal Revenue Code (i.e.,...
Lessons from the Target Data Breach
Posted February 10, 2014
Company News
In late 2013, Target, the large American retailer, was the victim of a massive data breach that affected as many as 110 million customers. Cyber...
Managing Identity Theft
Posted February 7, 2014
Company News
Guidance for Your Business It is almost impossible to be in business and not collect or hold personally identifying information - such as Social Security...
Using Temporary Heating Devices Safely
Posted January 29, 2014
Company News
For some of us, the onset of cooler weather means heating our work area with temporary heaters. When used correctly, these heaters can make...
Cyber Security
Posted January 15, 2014
Company News
Every day, more than 1 million people become victims of cyber crime, according to a study by Symantec, a computer security software company. Businesses, both...
Winter Storms and Extreme Cold
Posted January 6, 2014
Company News
While the amount of danger from winter weather varies across the country, nearly all Americans, regardless of where they live, are likely to face some...
Minimum Wage Rate Increases for 2014
Posted December 18, 2013
Company News
Minimum Wage Rate Increases for 2014 Most employers in the United States are subject to the minimum wage provisions of the Federal Labor Standards Act...
Bring Your Own Device (BYOD) Policies
Posted December 16, 2013
Company News
According to a Gallup study, approximately half of American adults own a smartphone. With the continuing popularity of personal devices, it should come as little...
Are Our Voluntary Plans Subject to ERISA?
Posted December 11, 2013
Company News
Employers have been surprised to hear that certain employee pay-all voluntary plans are subject to the new ACA employer W-2 reporting requirement, specifically individual hospital...
The IRS Proclaims New Daily Rates for Travel Effective October 1, 2013
Posted December 11, 2013
Company News
The IRS recently declared that daily allowance rates for expenses may be used to establish the total business expenses used for travel on or after...
The New FSA $500 Carryover Provision
Posted December 11, 2013
Company News
We know that If an employer wants to amend the plan to include the $500 carryover for 2013, the amendment must be adopted before the...
Same-Sex Spouses – Benefit Eligibility
Posted December 11, 2013
Company News
In late September, the DOL released its new guidance on same-sex marriages and employee benefit plans. The release comes on the heels of the U.S...
CMS Explains Same-Sex Marriage Rules for Healthcare Exchange Program
Posted December 11, 2013
Company News
The Centers for Medicare and Medicaid Services (CMS) have issued guidance pertaining to the recognition of same-sex marriages. This guidance specifically addresses the eligibility for...
More States Extend Marriage Rights to Same Sex Couples
Posted December 11, 2013
Company News
Recently, Hawaii and Illinois have been added to the list of states that have passed legislation to extend marriage to same-sex couples. Oregon, a state...
Agencies Issue MHPAEA Final Regulations
Posted December 11, 2013
Company News
The DOL, HHS and Treasury in a collaborative effort have issued final regulations and new FAQ guidance for the Mental Health Parity and Addiction Equity...
Preparing for Winter Storms and Extreme Cold
Posted December 11, 2013
Safety
Expert Tips
Regardless of where they live, nearly all Americans are likely to face severe winter weather at some point in their lives. Winter storms can range...
15 Warning Signs of Workers’ Compensation Fraud
Posted December 6, 2013
Company News
The WC (workers' compensation) insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the...
Working Safely in Cold Weather
Posted November 22, 2013
Company News
Workers exposed to extremely cold conditions are at risk of serious health problems, including hypothermia, frostbite, dehydration and muscle injuries. Frigid temperatures can also cause...
OSHA Proposes Rule Requiring Electronic Submission of Injury and Illness Reports
Posted November 22, 2013
Company News
On Nov. 7, 2013, the Occupational Safety and Health Administration (OSHA) announced a proposed rule to require certain employers to submit injury and illness reports...
Implications of IRS Ruling on Benefits for Same-sex Spouses
Posted September 18, 2013
Company News
The SCOTUS ruling on DOMA along with the new IRS FAQs do not automatically impact the definition of spouse for certain ERISA plans. Plan sponsors...
IRS Releases Proposed Regulations for Reporting (Code Sections 6055, 6056)
Posted September 13, 2013
Company News
The IRS has released proposed regulations for the Affordable Care Act's reporting requirements under sections 6055 and 6056 that provide details on the reports' content...
Verifying Insurance Marketplace Applicant Eligibility for Premium Assistance & Cost-sharing Reductions
Posted September 13, 2013
Company News
CMS has issued guidance on how the Health Insurance Marketplaces will verify applicant income. This guidance, released August 5, 2013, in the form of FAQs,...
New DOL FAQ for Exchange Notice and 90-day Waiting Period Limitation Provisions
Posted September 13, 2013
Company News
The DOL issued additional guidance on September 4, 2013, in the form of FAQs, that addresses two specific provisions of the Affordable Care Act --...
SCOTUS Ruling on DOMA – Implications on Health & Welfare Benefit Design and Administration
Posted July 19, 2013
Company News
The US Office of Personnel Management (OPM) has acted swiftly, notifying executive management of federal departments and agencies of the extension of benefits to federal...
IRS Notice – Official Transition Relief for the Reporting Requirements and Play or Pay
Posted July 19, 2013
Company News
On July 10, 2013, the IRS released official transition relief from the ACA information reporting requiremetns under sections 6055 and 6056. As announced previously in...
Health Care Reform – Cost-Sharing Limits for Health Plans
Posted July 19, 2013
Company News
On February 23, 2013, HHS issued a final rule on Essential Health Benefits that addressed the Affordable Care Act's cost-sharing limits for health plans. The...
Final HIPAA Non-discrimination Regulations for Wellness Programs
Posted July 19, 2013
Company News
The introduction of final wellness regulations will cause many employers to step back and reevaluate their wellness initiatives. The modified definitions for "participatory" and "health-contingent"...
Big News – ACA Transition Relief for Large Employers
Posted July 3, 2013
Company News
Yesterday's surprise announcement by the Treasury Department has provided many large employers with more time to address certain aspects of health reform. While the effective...
IRS Releases 2014 Figures for Health Savings Accounts (HSAs)
Posted May 29, 2013
Company News
On May 2, 2013, the IRS released the 2014 inflation adjustment figures for Health Savings Accounts: Annual Contribution Limit for Calendar Year 2014: Single:...
Health Reform’s PCORI Fees
Posted May 28, 2013
Company News
The Affordable Care Act established the nonprofit Patient-Centered Outcomes Research Institute to promote the use of evidence-based medicine by disseminating comparative clinical effectiveness research findings....
Pittsburgh Health Care Reform Group on LinkedIn
Posted May 23, 2013
Company News
To join the Pittsburgh Health Care Reform group, log into LinkedIn and search for the group under the "Groups" tab, then click "Join." Please...
DOL Releases Guidance and Model Notices for the Health Insurance Marketplace
Posted May 22, 2013
Company News
Employers are required to provide all new hires and current employees with a written notice about the health benefit Exchange, which is now referred to...
HITECH Final Rule: Business Associate Contract Changes
Posted May 21, 2013
Company News
The 2013 HITECH Final Rules, which went into effect March 26, 2013, impose significant new obligations on covered entities, business associates, and subcontractors. HHS recognizes...
DOL Releases Revised COBRA Election Notice
Posted May 21, 2013
Company News
On May 8, 2013, the DOL released an updated model COBRA Election Notice. The notice has been revised to include basic information about the availability...
Premium Rating Inside and Outside the Public Exchange
Posted May 17, 2013
Company News
The Affordable Care Act provides that individual and small group premium rates charged by insurers, both inside and outside the Exchange, may vary with respect...
Changes to the Summary of Benefits and Coverage Requirement
Posted May 17, 2013
Company News
The DOL, IRS and HHS have jointly issued a new set of FAQs to address alterations to the Summary of Benefits and Coverage (SBC). Changes...
Donna Dietrick and Susan (Cornelius) Marks Join Henderson Brothers Employee Benefits Team
Posted April 29, 2013
Company News
Henderson Brothers continues to build the expertise and breadth of its Employee Benefits Division by adding Donna J. Dietrick as assistant vice president, senior...
Health Reform Update: Additional Information and Clarification for Measuring Hours of Service
Posted April 3, 2013
Company News
Many large employers are beginning to set up their process and procedures to begin measuring hours of service for their seasonal and variable hour workforce....
Henderson Brothers Adds Three to Commercial Lines Division
Posted April 2, 2013
Company News
Melissa L. Whittier, Robert J. Hippert and Katie L. Wilson have joined the commercial lines division at Henderson Brothers, Inc. Henderson Brothers, based downtown,...
New Self-Compliance Checklist for Health Reform
Posted April 2, 2013
Company News
The DOL has just recently released a "self-compliance tool" that addresses health reform issues. This new tool is very similar to a self-compliance HIPAA checklist...
Health Reform Update: Temporary Relief for Insured Expatriate Health Plans
Posted April 2, 2013
Company News
The DOL, IRS and HHS have jointly issued another Health Reform FAQ, which is Part XIII in the series. This most recent release provides information...
Tracking Hours of Service for Variable Hour and Seasonal Employees; Step-by-Step Guide for Adopting the IRS “Ongoing” Employee Safe Harbor
Posted March 12, 2013
Company News
Updated Apr 3, 2013 If you are a large employer and you have a part-time or seasonal workforce that is not entitled to enroll in...
More Explanation on the Shared Employer Responsibility Provision (Play or Pay)
Posted March 11, 2013
Company News
Our HBI staff has been fielding a lot of questions about this particular health reform provision. We expect HHS and the Department of Treasury to...
Verification Process for Exchange Premium Assistance
Posted March 11, 2013
Company News
Starting in 2014, an applicable large employer that does not offer minimum essential benefits, or the benefits offered are not of minimum value and affordable,...
DOL Provides Guidance on FMLA Leave to Care for Adult Children
Posted March 11, 2013
Company News
The Department of Labor (DOL) issued an interpretation letter to provide guidance on when an eligible employee may take leave under the Family and Medical...
HIPAA Privacy and Security; HHS Issues its Final Rule
Posted March 11, 2013
Company News
On January 25, 2013, HHS issued amendments to the HIPAA Privacy Rule, Security Rule and the Breach Notification rule. There are four final rules that...
DOL Releases Final FMLA Regulations
Posted March 11, 2013
Company News
On Feb. 6, 2013, the Department of Labor (DOL) marked the 20th anniversary of the signing of the Family and Medical Leave Act (FMLA) by...
Michael Muir and Chelsea Geyssens Join Henderson Brothers Team
Posted February 11, 2013
Company News
Michael J. Muir and Chelsea Geyssens have been hired at Henderson Brothers, Inc. Muir joins as a consultative associate in the firm's Consultative Services Department,...
Employer Exchange Notice Requirement Delayed
Posted January 25, 2013
Company News
On January 24th, the DOL announced in the form of a new FAQ, that the March 1, 2013 Exchange Notice requirement has been delayed until...
IRS Proposed Regulations – Important Guidance Regarding the Employer Play or Pay Mandate
Posted January 24, 2013
Company News
Over the past few months many of our clients have been asking similar questions regarding the Shared Responsibility for Employers provision of health reform. This...
HHS Releases Omnibus HIPAA HITECH Final Rule
Posted January 24, 2013
Company News
On January 17th, 2013, the Department of Health and Human Services (HHS) released its Omnibus Final Rule which modifies provisions of HIPAA, the HITECH Act,...
IRS Releases 2012 Versions of Publication 502 and 503
Posted January 24, 2013
Company News
The IRS has released the latest versions of Publications 502 and 503 for use in preparing 2012 tax returns. Individuals who contribute to Medical FSAs...
Retroactive Increase in Excludable Transit Benefits
Posted January 24, 2013
Company News
The 2012 Taxpayer Relief Act extended parity between transit passes and vanpooling transportation fringe benefits, and employer-provided parking benefits, retroactively beginning on January 1, 2012...
Henderson Brothers Hires George Heigel and Amanda Hohenberger
Posted January 2, 2013
Company News
Henderson Brothers, Inc., has hired George Heigel and Amanda Hohenberger. Heigel joins the firm's employee benefits division as a financial analyst and Hohenberger joins as...
Health Reform Final Regulations – PCOR Fees
Posted December 19, 2012
Company News
On December 6, 2012, the IRS issued final regulations for the Patient-Centered Outcome Research Trust Fund. Health Reform provides for the establishment of this nonprofit...
Health Reform’s Premium Stabilization Programs
Posted December 19, 2012
Company News
On December 7, 2012, HHS released proposed regulations for Health Reform's Premium Stabilization Programs. There are three separate programs that have been designed to work...
New Reform Requirement – Additional Medicare Tax for High Wage Earners
Posted December 19, 2012
Company News
As communicated in a previous compliance update, Health Reform requires that an additional Medicare Tax be paid by individuals' whose wages, other compensation and self...
IRS Safe Harbors – Determining Full-Time Employees for Employer Pay or Play
Posted December 3, 2012
Company News
Updated Apr 3, 2013 Health Reform is changing the definition of full-time employee for many companies starting 13 months from now. Until 2014, employers will...
Sean Ganoe Joins HBI Employee Benefits Division as Assistant Vice President
Posted December 1, 2012
Company News
PITTSBURGH – November 28, 2012 – Sean Ganoe, a veteran in the employee benefits industry, has joined Henderson Brothers, Inc., as assistant vice president in...
Revised Fair Credit Reporting Act (FCRA) Model Forms
Posted November 29, 2012
Company News
The Bureau of Consumer Financial Protection issued correcting amendments to address typographical errors in model forms. The correcting amendment published on November 14, 2012, contains...
Standards Related to Essential Health Benefits
Posted November 29, 2012
Company News
The Affordable Care Act directs health insurance issuers that offer non-grandfathered health insurance coverage in the individual and small group market to make certain health...
IRS Announces 2013 Cost-of-Living Changes to HSA Contribution Limits and HDHP Out-of-Pocket Maximums
Posted November 29, 2012
Company News
In 2013, individuals may incur a slightly greater proportion of out-of-pocket expenses when they utilize Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs)....
The 2013 Cost-of-Living Adjustments for Transportation Benefits, Adoption Assistance, and Others
Posted November 29, 2012
Company News
Miscellaneous 2013 Cost-of-Living Adjustments The Internal Revenue Service released a number of cost-of-living adjustments for a variety of dollar limits and thresholds for benefit plans...
Large Employer IRS Report Requirement
Posted November 28, 2012
Company News
In accordance with Internal Revenue Code 6056, effective for plan years beginning after 12/31/2013, every applicable large employer will be required to file a return...
Affordable Care Act Proposed Regulations for Wellness Program Incentives
Posted November 28, 2012
Company News
On November 26, 2012, the IRS, DOL and HHS released guidance on several health reform issues. A portion of the guidance produced includes proposed regulations...
A Note from Our President: Health Care Reform – Full Steam Ahead
Posted November 9, 2012
Company News
With Tuesday's election behind us, we now have a much clearer path in front of us as regards to the implementation of the Affordable Care...
Don’t Forget Your Medicare Part D Disclosure Requirement!
Posted October 4, 2012
Company News
Plan sponsors must tell Medicare Part D eligible individuals whether their prescription drug coverage is creditable so that these individuals can compare their employer's prescription...
Health Exchange Update – Pennsylvania’s Progress
Posted October 4, 2012
Company News
In August of this year, HHS finalized an Exchange "blueprint" that states can follow as they prepare their Exchange applications. States have the choice of...
The NCCI Split Point Changes
Posted September 7, 2012
Company News
Significant changes are on the horizon for states subscribing to the National Council on Compensation Insurance's (NCCI) workers compensation experience mod rating system. The NCCI...
Shared Responsibility for Employers: Safe Harbor Methods (IRS Notice 2012-58 Summary)
Posted September 6, 2012
Company News
IRS Notice 2012-58, released on August 31, 2012, describes the safe harbor methods that employers can use to determine which employees should be treated as...
American Health Benefit Exchanges
Posted September 6, 2012
Company News
All states are expected to establish a Health Benefit Exchange by January 1, 2014, that will include a health insurance marketplace for individuals and a...
Exchange for Small Businesses: The Small Business Health Option Program (SHOP)
Posted September 6, 2012
Company News
HHS has released regulations for the establishment of Exchanges. These regulations provide the underlying framework and minimum requirements for the new health insurance marketplace. In...
PPACA Premium Subsidies: Qualifications & Maximum Annual Premiums
Posted July 26, 2012
Industry Insights
It is important for employers to understand what the Exchange premium subsidies (credits) are, who will likely be entitled to them, and how these subsidies...
PPACA Premium Subsidies: Qualifications & Maximum Annual Premiums
Posted July 26, 2012
Industry Insights
It is important for employers to understand what the Exchange premium subsidies (credits) are, who will likely be entitled to them, and how these subsidies...
NLRB Election Rule Suspension
Posted July 26, 2012
Company News
In May 2012, a D.C. federal court held that the NLRB's expedited representation election rule was invalid because the Board lacked a quorum when it...
Arrest and Conviction Records Guidance
Posted July 26, 2012
Company News
The EEOC has issued an updated Enforcement Guidance relating to the use of arrest and conviction records in making employment decisions under Title VII of...
Health Care Reform Timeline
Posted July 26, 2012
Company News
This Henderson Brothers Summary provides a timeline of the of key reform provisions that affect employers and individuals. This timeline starts with 2010 requirements and...
Employer Pay or Play Mandate: Step-by-Step Guide for Plan Sponsors
Posted July 26, 2012
Company News
Beginning in 2014, certain large employers may be subject to a penalty tax (also called an "assessable payment") for failing to offer full-time employees and...
Exchange Coverage – Eligibility for Cost Sharing Reductions & Verification of Employer Sponsored Coverage
Posted July 26, 2012
Company News
Beginning in 2014, individuals will be entitled to purchase coverage from an Exchange, which is intended to provide a mechanism for organizing the health insurance...
Health Care Reform Has Been Upheld – Planning for 2014 is Imperative
Posted June 29, 2012
Company News
The media has been extremely busy since yesterday late morning. The Supreme Court has concluded that Congress has the constitutional authority under its taxing power...
IRS Provides Guidance on $2,500 Limit on Health FSA Salary Reductions
Posted June 4, 2012
Company News
Big news, but late for many plan sponsors of FSA plans. The IRS released guidance on May 30, 2012 regarding health reform's $2,500 FSA salary...
Hurricane Preparedness Tips
Posted May 23, 2012
Company News
In advance of the storm: 1. Plan Ahead There are a few things you can do ahead of time to help reduce risk and hassles...
DOL Updates Advisor Tool for Employers
Posted April 30, 2012
Company News
The Department of Labor has been incredibly busy lately. Not only has the agency been deligent with respect to health reform regulations, it has also...
Protected: Tenant Users Liability Insurance Policy
Posted April 1, 2012
Company News
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U.S. Supreme Court Hears Arguments on Health Care Reform
Posted March 30, 2012
Company News
For three days during the week of March 26th, the U.S. Supreme Court heard testimony about the Patient Protection and Affordable Care Act (PPACA). The...
Henderson Brothers’ “FLSA Seminar: Are your employees really exempt?” Recap
Posted March 22, 2012
Company News
It's likely that you've heard some buzz about our recent seminars... On February 15 at the Four Points Sheraton Pittsburgh North, Henderson Brothers partnered with...
New Jersey Wage & Hour Update – “Inside Sales” Exemption
Posted March 14, 2012
Company News
The New Jersey Department of Labor and Workforce Development (DLWD) amended its wage and hour regulations in September 2011 to eliminate inconsistencies between state and...
HBI Takes on the Pittsburgh Marathon…Again
Posted March 12, 2012
Company News
For the second year in a row, Henderson Brothers, Inc. will be taking on the Dick's Sporting Goods' Pittsburgh Marathon! Recently we were presented with...
California Wage Theft Prevention Act: New Wage Notice
Posted February 16, 2012
Company News
Companies who employ California employees have one more disclosure they must provide. Add this new Act to the very long list of legislation that already...
Baierl Automotive and Henderson Brothers Celebrate the Results of New Safety Incentive Program
Posted February 7, 2012
Company News
Two years ago we started working on ways to instill a culture committed to safety at all of Baierl Automotive's locations around the city. After...
Henderson Brothers is on Facebook
Posted January 18, 2012
Company News
Henderson Brothers has recently joined Facebook with the launch of our new company page! This innovative social media tool will be able to provide...
The Importance of a Worker’s Compensation Physicians Panel
Posted January 18, 2012
Company News
One way to reduce the cost of worker's compensation claims and better manage the medical and disability is to direct the injured employee to a...
NLRB Delays Notice-Posting Rule… Again
Posted December 28, 2011
Company News
Back on August 25, 2011, the National Labor Relations Board issued a final rule, mandating that private sector employers subject to the National Labor Relations...
HHS Final Rule for PPACA Medical Loss Ratio Rebates
Posted December 15, 2011
Company News
On December 2, 2011, the Department of Health and Human Services (HHS) released a final rule that addresses an assortment of issues with respect to...
Are You Sure You Have the Correct Automobile Coverage as a Small Business?
Posted December 12, 2011
Company News
Small business owners have it tough these days. Most are working on a shoestring budget and doing everything they can to keep their expenses as...
Littler’s Tammy McCutchen Examines Department of Labor FLSA Enforcement Issues at Congressional Hearing
Posted December 12, 2011
Company News
Littler Shareholder Tammy McCutchen testified in a recent hearing conducted by the House's Subcommittee on Workforce Protections that the Wage and Hour Division (WHD) has...
Smartphones Pose Growing Security Risk
Posted November 29, 2011
Company News
Mobile technology has revolutionized our everyday lives, and will continue to play an even larger part in the years to come. From answering emails for...
Henderson Brothers is a Great Place to Work!
Posted October 12, 2011
Company News
Henderson Brothers employees recently answered questions on the Post-Gazette and Workplace Dynamics' survey as to why they think their company is one of the Top...
Cyber Liability Insurance for Your Small Business
Posted October 11, 2011
Company News
We've all seen it: that unusual email from a contact in your address book with a strange subject line. Sometimes these emails contain the name...
Managing the Risk of Personal Identity Theft
Posted October 11, 2011
Company News
Make no mistake; identity theft is not something to be complacent about. Lives have fallen into financial ruin and individuals' liberties have been taken away...
Cyber Liability Insurance for Your Business
Posted August 31, 2011
Company News
It seems like every day there is a story in the news of a large company being "hacked" by Cyber thieves. We have all read...
Plan Sponsor Medicare Part D Disclosure DON’Ts
Posted July 20, 2011
Company News
Don't fail to comply with Medicare Part D requirements because Medicare Secondary Payer (MSP) rules do not apply to your group health plan; Don't...
Keeping Track of Out-of-Pocket Medical Expenses for Tax Time
Posted July 20, 2011
Company News
Are you struggling with a serious illness and have considerable out-of-pocket health care expenses that are not covered by insurance? Do you find your transportation...
Succession Planning for Your Small Business
Posted June 28, 2011
Company News
As insurance professionals, we are acutely aware of the importance of insuring a business correctly and offering coverage solutions for most potential insurable losses. However,...
2012 Cost-of-Living Changes to HSA Contribution Limits and HDHP Out-of-Pocket Maximums
Posted May 23, 2011
Company News
The Internal Revenue Service (IRS) has very recently released the 2012 cost-of-living adjustments for Health Savings Accounts (HSA). The HDHP minimum deductible requirements will remain...
CMS Issues Revised Model Notices & Updated Parameters for Medicare Part D
Posted May 23, 2011
Company News
The Centers for Medicare & Medicaid Services (CMS) has announced a change to the Medicare Part D annual coordinated election period. This change is a...
Henderson Brothers Takes on the Pittsburgh Marathon
Posted May 9, 2011
Company News
A few months ago Henderson Brothers, Inc. was presented with an opportunity to not only support a great cause, Gilda's Club, but promote employee participationin...
3 Most Common Errors that Lead to Teen Drivers’ Crashes
Posted May 5, 2011
Company News
Did you know that teen drivers are four times more likely to be in a fatal car crash than an adult? This chilling statistic was...
Why Do I Have to Insure My Home For So Much?
Posted April 27, 2011
Company News
At Henderson Brothers, we hear this question a lot and also hear that the house can never be sold for that amount, or it's not...
Continuing Appropriations Act includes repeal of PPACA Free Choice Vouchers
Posted April 15, 2011
Company News
Many individuals have the opinion that the Health Reform Act is slowing unraveling. Regulations have been delayed, provisions of the Act have been repealed, and...
Flood Insurance
Posted April 7, 2011
Company News
Did you know that homeowner's, renter's and condo unit-owner policies do not cover damages caused by a flood. Flood damages add up quickly and can...
HBInsights Is Here!
Posted January 31, 2011
Company News
Welcome to Henderson Brothers' brand new blog, HBInsights! We hope you will find the blog useful for not only your professional life, but for you...