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Life, Absence & Disability

… design for PTO, parental/family leave, and sick leave Federal, state, and local leave law compliance navigation and ongoing monitoring Statutory benefit strategy and funding analysis Custom benchmarking against market and peer programs Vendor sourcing for leave and disability management platforms and tools Benefit design and plan funding for complex arrangements, including carve-outs, retiree buy-outs, and settlements Insured vs. self-insured plan design evaluation Internal and external process reviews to improve the employee and employer experience Why Clients Choose EPIC Multi-state compliance, handled. With an increasing number of states mandating paid family and medical leave, and more …

https://www.epicbrokers.com/services/life-absence-disability/

2026 Trends in Drug Benefit Design Report

PSG, EPIC’s Pharmacy Solutions Practices, announces the results of its extensive research on the latest trends in drug benefit design. Plan sponsors face complex decisions and challenges as they build and implement their drug benefit. PSG’s 2026 Trends in Drug Benefit Design Report provides a view into how plans work to achieve access and affordability for members while controlling their pharmacy spend. The report contains valuable insights from benefits leaders representing plans nationwide. Key Findings Unbundled PBM Service Arrangements: Payers’ perception of value in unbundled PBM service arrangements increased year-over-year, and over half say they would …

https://www.epicbrokers.com/insights/2026-trends-in-drug-benefit-design-report/

Compliance Matters Newsletter | June 2026

… carriers to submit the fee on their behalf, but fully insured plan sponsors that sponsor a self-funded plan component, such as a health reimbursement arrangement (HRA), will need to file and pay for the self-funded component plan. Payment amounts due in 2026 will differ based on the employer’s plan year. The Internal Revenue Service (IRS) provides a chart showing applicable fee amounts depending on the plan’s year-end date. The fees due in July 2026 are as follows: $3.47 per covered life for plan years ending after September 30, 2024, and before October 1 …

https://www.epicbrokers.com/insights/compliance-matters-newsletter-june-2026/

Legal System Abuse and the Illusion of Predictability

… before liability is meaningfully tested. Once a claim is positioned as a lawsuit rather than a loss, its economics change. Litigation becomes the default path, and severity begins to reflect process as much as facts. Third party litigation funding accelerates this shift. By introducing external capital with return expectations, funding arrangements reduce pressure to settle and reward delay and escalation. For European organizations accustomed to disputes where both sides internalize legal cost and risk, this additional capital layer materially alters claim behavior, particularly in the later stages of development. Damage Inflation and Procedural Leverage Damage inflation tactics compound the problem …

https://www.epicbrokers.com/insights/legal-system-abuse-predictability/

The Data Center: Managing the Next Energy Risk Curve

… and regulatory scrutiny on carbon-intensive baseloads is tightening. These aren’t isolated logistical hiccups; they are a contagion of risk where one failure point bleeds into the next. In a desperate rush to secure power, operators are flooding into complex arrangements like long-term Power Purchase Agreements (PPAs), behind-the-meter generation, and nuclear or baseload partnerships. On paper, these look like proactive solutions. In the real world, they are contractual landmines. They introduce operational and insurability complexities that simply do not show up in a standard property submission. A “behind-the-meter” arrangement or a direct link to

https://www.epicbrokers.com/insights/data-centers/

Compliance Matters Newsletter | May 2026

… Transactions and Electronic Signatures Sixth Circuit Affirms ERISA Preemption of Tennessee PBM Law On April 7, 2026, a year following a decision in a lower court, the Sixth District Court of Appeals held in the case McKee Foods Corporation v. BFP Inc., that the Employee Retirement Income Security Act (ERISA) preempts Tennessee’s pharmacy benefit manager (PBM) laws requiring any-willing-provider (AWP) pharmacy network inclusion and prohibiting differential cost-sharing arrangements. For more information and background access our Alert from May 2025. More Compliance Resources Sign up for our in-depth Compliance Webinars Learn about our Compliance Consulting Services

https://www.epicbrokers.com/insights/compliance-matters-newsletter-may-2026/

Compliance Matters Newsletter | April 2026

… oversight. In Navarro v. Wells Fargo, a federal court dismissed claims alleging the company breached fiduciary duties by allowing excessive prescription drug pricing in its health plan. The court found plaintiffs lacked Article III standing because they failed to demonstrate a concrete financial injury. Conversely, Stern v. JPMorgan Chase will move forward after a court allowed claims alleging fiduciaries failed to prudently monitor PBM arrangements and allowed participants to pay inflated prices for generic drugs. These cases reinforce the importance for plan fiduciaries to maintain strong governance, actively monitor vendors, and document efforts to meet ERISA’s duties of prudence

https://www.epicbrokers.com/insights/compliance-matters-newsletter-april-2026/

Approved Organizers & Tracks

… Raceway Brainerd, MN Hedge Hollow Raceway Adrian, MO Ozarks International Raceway Gravois Mills, MO Charlotte Motor Speedway Concord, NC Rockingham Speedway Rockingham, NC Motorsports Park Hastings Hastings, NE Canaan Motor Club Canaan, NH New Hampshire Motor Speedway Loudon, NH Club Motorsports Tamworth, NH New Jersey Motorsports Park Millville, NJ Arroyo Seco Raceway Deming, NM Reno-Fernley Raceway Fernley, NV Las Vegas Motor Speedway Las Vegas, NV Spring Mountain Motorsports Ranch Pahrump, NV Monticello Motor Club Monticello, NY Watkins Glen Int’l Raceway Watkins Glen, NY Nelson Ledges Garrettsville, OH Mid-Ohio Sports Car Course Lexington, OH Hallett Motor Racing …

https://www.epicbrokers.com/programs/motorsports/approved-organizers-track/