NJ Family Leave and Temporary Disability Insurance Changes

New Jersey’s Family Leave Insurance (NJFLI) benefits partially replace wages of workers who need to care for a seriously ill or injured family member, or bond with a newborn, newly adopted or newly placed foster child. The program complements the New Jersey Temporary Disability Insurance (NJTDI) program, which partially replaces wages during an employee’s own injury,… Read More


Employer Considerations in Handling Premium Credits/Discounts Attributable to COVID-19

Many insurance carriers are in the process of issuing employer-sponsored group health, dental and vision plan credits for future premiums owed or on current (or past) premiums billed, in response to the coronavirus pandemic and disruption in overall utilization of benefits. While any premium savings or credits are welcome news in a tough economy, they… Read More


President Trump Signs Executive Orders to Lower Drug Prices

On July 24, 2020, President Trump issued the following series of executive orders in an effort to lower drug prices: Lowering Prices for Patients by Eliminating Kickbacks to Middlemen: this executive order directs federally-qualified health centers to pass along massive discounts on insulin and epinephrine received from drug companies to certain low-income Americans. Increasing Drug… Read More


7 Common ERISA Compliance Mistakes

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that requires employers to abide by specific regulations concerning disclosure requirements for their health and welfare benefit plans. All employers who sponsor health and welfare benefits with at least 2 participating employees are subject to ERISA, except for government entities and churches…. Read More


New Law Will Modify PPP Loan Repayment and Forgiveness Requirements

The Paycheck Protection Program Flexibility Act of 2020 was signed by President Trump on June 5, 2020 and will allow borrowers more flexibility when it comes to the Paycheck Protection Program (PPP). The measure gives existing and new PPP borrowers additional options and protections regarding loan repayment and forgiveness.  Some of the key changes include: Changing the… Read More


OSHA COVID-19 Guidance for Reopening, the ADA, Rehabilitation Act and other EEO Laws, and Face Coverings

The Occupational Safety and Health Administration (OSHA) has been busy in June, releasing the below COVID-19 guidance for employers: OSHA COVID-19 Guidance for Reopening On June 15, 2020, OSHA released a bulletin reminding employers that safety is a priority within both COVID-19 and common workplace hazards. In all phases of reopening, employers must plan for… Read More


PCORI Fee Payment Reminder: Due July 31, 2020

The Patient-Centered Outcomes Research Institute (PCORI) fee was supposed to expire in 2020, and the last payment for calendar year plans was supposed to be on July 31, 2019. However, at the end of 2019, federal legislation passed extending the fee for another ten years. Even though the federal government has delayed many tax deadlines due to… Read More


PPP Loan Forgiveness Rules

Last week, the Small Business Administration (SBA) and Treasury Department issued interim rules on Paycheck Protection Program (PPP) loan forgiveness.  These rules correspond with the PPP loan forgiveness application, and we’ve gone through them for you and highlighted the answers to some commonly asked questions. As we do not provide legal or financial advise however, please… Read More


IRS Releases 2021 HSA and High Deductible Health Plan (HDHP) Limits

The Internal Revenue Service (IRS) has released Notice 2020-32, which sets the 2021 dollar limits for health saving account (HSA) contributions and the minimum deductible and maximum out-of-pocket limits for qualified high-deductible health plans (HDHPs). 2021 HSA Contribution Limits: HSA owners with individual coverage will be able to contribute $3,600 (an increase of $50 from 2020)… Read More

Hartford’s Future of Benefits Study provides insights into how COVID-19 has shifted perceptions on the benefits employers offer. A great read for employers looking to stay competitive and design their programs to meet the evolving needs of the workforce:

Unemployment insurance (UI) fraud during the pandemic has escalated, resulting in a costly number of false reports being filed. See here and the US DOL's site for important resources and how to report fraudulent claims:

The US DOL has released additional guidance regarding the 100% COBRA premium subsidies being provided under the American Rescue Plan Act (ARPA)

Indy Health Ins Co, a stand-alone Part D plan in PA, has been terminated; impacted members are temporarily enrolled with LI-NET Humana and a Special Election Period is valid now-7/31/21 for members to elect a new PDP:

The enrollment period to sign up for health insurance in NJ through the state’s health insurance marketplace, has been extended until the end of the year, so more residents can take advantage of new financial help available under the ARPA: