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COVID-19: Workers’ Compensation FAQs

… who has a confirmed exposure. Does the employer need to report the alleged work exposure to the WC carrier/TPA? In most circumstances – no. Exposure does not mean the employee sustained a compensable injury. A compensable injury is one that causes a disability or the need for medical treatment. My employee contracted COVID-19 while on a business trip for my company. Is this a compensable workers’ compensation claim? While an employee who contracts a disease while traveling for business may be eligible for workers’ compensation benefits in many jurisdictions, the analysis will be very fact-specific. In most states …

https://www.epicbrokers.com/insights/covid-19-workers-compensation-faqs/

High Performance Health Plans

… Performance Health Plan. A High Performance Health Plan (HPHP) is built using an alternative funding methodology, and utilizes transparent advisory, third party administration, PBM, and stop loss contracts. All areas of the HPHP supply chain incorporate best-in-class service partners delivering: Improved financial performance (savings of 20-40%) Enhanced benefits (lower deductibles, lower copays) Higher quality care and improved clinical outcomes By redesigning the healthcare supply chain using the HPHP model, employers regain control over healthcare spend and measurably improve EBITDA. Get Started! Complete the form on this page to receive our questionnaire. With your feedback, we’ll then …

https://www.epicbrokers.com/highperformancehealthplans/

California Employer's Liability for Serious and Willful Misconduct

Under California Labor Code § 4553, an employer that is found to have caused an employee’s injury by its “serious and willful misconduct” will be ordered to pay an amount equal to half the value of all benefits paid as a result of the injury. This includes all temporary and permanent disability, medical, and vocational rehabilitation benefits. This is important to note because we’re seeing lawyers increasingly push “serious and willful misconduct.” Employers need to be aware that not only is this uninsurable, this is all it takes to prove a case: Proof that the employer failed to act …

https://www.epicbrokers.com/insights/california-employers-liability-for-serious-and-willful-misconduct/

Employment Practices Liability Insurance for Law Firms

… unique exposures faced by law firms. Some examples of coverage features that can be negotiated include: Wrongful Employment Act definitions, including coverage for actual or alleged wrongful termination, age, race or gender discrimination, harassment, retaliation, and other workplace torts Coverage for harassment or discrimination by third parties Independent contractor, leased employee, and volunteer coverage Broad coverage for claims brought by partners and for claims for failure to make partner Defense cost coverage for violations of WARN, COBRA, disability benefits law, or similar laws when alleged in connection with a covered claim Punitive damage coverage, most favorable venue affirmation where insurable …

https://www.epicbrokers.com/insights/employment-practices-liability-insurance-for-law-firms/

Communications & Engagement

… behavior change, moving employees towards being informed benefit consumers. Connect with Sales Services Multi-Channel Benefit Communications (web, print, mobile, video) Strategic planning and guidance Open Enrollment and ongoing engagement campaigns Benefit enrollment and decision support tools Learn about our packaged and custom solutions that can help you jumpstart your benefits and human resources (HR) communications campaign. Find Out More What to Expect from EPIC We are here to help with communication needs related to helping solve employer challenges, including: Developing an HR/benefits brand Helping employees become better benefits consumers Driving engagement and long-term behavior change Crafting open …

https://www.epicbrokers.com/products/communications-engagement/

Equine

… Packages can include the main residential buildings, other dwellings, farm structures, contents of all buildings, equipment and machinery, and may include more than one location. Workers’ Compensation Insurance We offer Workers’ Compensation for most types of business including the equine industry. This insurance provides benefits to employees for work-related injuries and financial compensation to the worker for loss of earnings. It can also provide death benefits in the event of a fatality. If you have one or more individuals performing services for financial consideration you may be required by law to provide them with workers’ compensation insurance. Our …

https://www.epicbrokers.com/industries/farm-and-ranch/equine/

Voluntary Benefits

… analysis and market solutions that help in building quality plans and programs. Connect with Sales Capabilities Full-service management of voluntary benefits strategies Integrated program development to complement core plan offerings Customized plan designs and delivery solutions Benefit portfolio analysis to determine the best product and carrier placements Dedicated voluntary benefits account management team for ongoing support What to Expect from EPIC We are here to help with voluntary benefits needs to solve employer challenges, including: Enhancing an existing benefit strategy with voluntary benefits and long-term care programs Diversifying benefit solutions and plan options for employees Assistance and advice …

https://www.epicbrokers.com/products/voluntary-benefits/

Navigating the New Pharmacy Benefit Landscape: 3 Critical Trends Shaping Employer Strategies

Employers face unprecedented challenges in providing affordable medication access in today’s rapidly evolving healthcare environment. PSG, an EPIC company, research unveils three critical trends that are reshaping how organizations approach pharmacy benefits. What You’ll Discover in the Report: Cell and Gene Therapies Breakthrough treatments with life-changing potential Multi-million dollar price tags transforming healthcare economics Key Insight: 69% of employers see cell and gene therapies as a major affordability challenge GLP-1 Drugs for Obesity and Diabetes Explosive growth in diabetes and obesity treatments Skyrocketing interest and complex coverage decisions Key Insight: 75% of employers have experienced …

https://www.epicbrokers.com/new-pharmacy-landscape-three-critical-trends-report/