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Q3 2021 Winery Report

… a claim…it is always possible to drop the claim if it turns out the fruit or other property was not actually damaged. Review your insurance policies to determine what supporting materials you need to file a claim. For smoke taint claims, for example, policies often require information regarding the location of the grapes, when they were affected, and for how long. Many insurance companies also require lab tests to confirm the presence of smoke taint and some will only accept results from preapproved labs. If the grapes are crushed, some policies require that juice from different lots be segregated …

https://www.epicbrokers.com/insights/q3-2021-winery-report/

It’s Not the Insurance That’s Expensive – It’s the Cost of Healthcare

… for dozens of cancers and is much more sensitive to early-stage cancers – before they become deadly. Liquid biopsies use advanced gene-sequencing technology to identify minuscule tumor cells or DNA strands that have broken off from these cells in the bloodstream. They identify the presence of cancer and its location, which can be further investigated and confirmed by traditional cancer diagnostics – years in advance of symptoms appearing. The technology is still being tested, but the results thus far are very promising. Estimates are that cancer deaths could be reduced by 25% if it is used in conjunction with traditional …

https://www.epicbrokers.com/insights/its-not-insurance-thats-expensive-its-the-cost-of-healthcare/

New Mexico Latest State to Enact a Paid Sick Leave Law

… employee’s right to file a complaint with the state labor department if the employer denies leave or retaliates against an employee; and All means of enforcing violations of the law. The state is drafting a model mandatory notice HWA Poster that employers must place in a conspicuous and accessible location in each establishment where employees are employed. Generally, the individual disclosure to an employee and the workplace post must appear in English, Spanish or any language that is the first language spoken by at least 10% of the employer’s workforce. The HWA becomes effective in 2022. Covered employers …

https://www.epicbrokers.com/insights/new-mexico-latest-state-to-enact-a-paid-sick-leave-law/

Urgent Care – Too Much of a Good Thing?

… after spending so much time educating employees about the value of urgent care? For starters, it’s critical that employers review the cost-sharing in their benefit design. The old days of charging the same copay for urgent care and PCPs to get members hooked are gone – copays for urgent care average two to three times the cost of a PCP visit. Secondly, some employers are starting to look at design features that limit follow-up care allowed at the urgent care location. If there was a sports injury or infection that initially was treated at the urgent care, the

https://www.epicbrokers.com/insights/urgent-care-too-much-of-a-good-thing/

Boost Employee Engagement in a Tech World

Viewpoints from Jodi Perry Engaging employees is hard. I’ve watched employee engagement trends evolve over the years, and hands down, technology is the way to go for this monumental task. One reason digital solutions are so wonderful is their ability to lead the user to a precise location when they have questions. And we know employees are utilizing digital solutions from the analytics we monitor for our clients. Employees don’t stay long – they get in, get what they need and get out. It’s a win-win. How do you currently communicate your benefits offerings? A benefits guide …

https://www.epicbrokers.com/insights/boost-employee-engagement-in-a-tech-world/

De Minimis Wellness Incentives – Why Wait?

… ensure your wellness efforts are compliant. See materials from our recent webinar series | What Employers Need to Know About COVID-19 Vaccinations: Part One & Part Two Check out more of our EPIC Resources: Visit the EPIC coronavirus update center for COVID-19 information Sign up for EPIC Newsletters in one convenient location See results from our In It Together pulse surveys on our COVID-19 strategic collaboration and idea-sharing forum EPIC offers these opinions for general information only. EPIC does not intend this material to be, nor may any person receiving this information construe or rely on this …

https://www.epicbrokers.com/insights/de-minimis-wellness-incentives-why-wait/

Rising Hospital Costs – One Reason for the Public Option

… New York City and greater than costs anywhere else in the United States. Every part of the healthcare system plays a role in rising costs. It’s not just the insurance carriers. See materials from our recent webinar series | What Employers Need to Know About COVID-19 Vaccinations: Part One & Part Two Check out more of our EPIC Resources: Visit the EPIC coronavirus update center for COVID-19 information Sign up for EPIC Newsletters in one convenient location See results from our In It Together pulse surveys on our COVID-19 strategic collaboration and idea-sharing forum EPIC offers …

https://www.epicbrokers.com/insights/rising-hospital-costs-one-reason-for-the-public-option/

Why Employers Should Map Their COVID-19 Strategies Now

… site vaccine administration may become available to any employer, at the current time, it is only available to medical providers, nursing homes, and assisted living facilities – and only in some states. But at some point, like flu shots, you will likely be able to arrange COVID-19 vaccines at your location. It is important to stay close to health departments in the states in which you operate to understand specifically how vaccine supply will be released to your employees. It is extremely likely that certain groups of your employees will be eligible for the vaccine before others and that one …

https://www.epicbrokers.com/insights/employers-should-map-their-covid-19-strategies-now/