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 AHCA healthcare
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...

Distracted Driving Quiz: Do you know the correct facts?

Posted April 24, 2017 Safety Expert Tips Case Study Distracted Driving White Paper
texting while driving
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...

Q&A: Do I Need Car Insurance If I Don’t Need A Car?

Posted April 5, 2017 Expert Tips Insurance 101 Car Insurance Q&A
  “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
henderson-brothers-website
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
Henderson Brothers Headquarters
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
Craig Yochum
  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
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 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 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...

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....

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...

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...

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 Department of Labor Employee Benefits
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 Industry Insights Expert Tips Company News
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® joinedd Henderson Brothers Retirement Plan Services as a relationship manager. As primary client contact, Mr....

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 Industry Insights Expert Tips Company News
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 Company News
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...

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,...

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...

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 Company News
The IRS has expanded its midyear 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...

Winter Storms and Extreme Cold: Home Preparedness

Posted December 11, 2013 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...

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...

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"...

HBI Increases Social Media Presence, Joins Twitter as @HBI_1893

Posted July 19, 2013 Company News
Henderson Brothers, one of the largest independently-owned insurance and financial services firm in the tri-state area, has expanded its social media activity to include Twitter,...

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...

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...

Tenant Users Liability Insurance Policy

Posted April 1, 2012 Company News
    To download a specimen policy, please use this link: TULIP Specimen Policy     Please note that the information contained in this document...

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...