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Set Your Employees up for Medicare Success

… individuals and human resources teams to attend! Visit the Employer community page on CMS.gov for resources to help you communicate to Medicare-eligible employees 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 material as …

https://www.epicbrokers.com/insights/set-your-employees-up-for-medicare-success/

Plant and Harvest Your Wellness Budget Tree

… to enhance your current success! Our team is always ready to help. Visit the EPIC coronavirus update center for more 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 material as, tax or legal advice. The matters addressed in this article and any related discussions or correspondence should be …

https://www.epicbrokers.com/insights/plant-and-harvest-your-wellness-budget-tree/

EPIC Named a “Best Place to Work” in Birmingham

EPIC Insurance Brokers is proud to announce that our Alabama location was named a “Best Place to Work” in Birmingham. Read about the employee recognition and our excellent benefits at EPIC. EPIC leadership provides exceptional communication to all employees via regular “All Hands” and “Town Hall” meetings to make sure everyone stays engaged and informed. Feedback from employees is valued and received by one-off surveys; communication is key. EPIC lays out a path for success to employees by providing employee resource groups, tuition reimbursement, incentive recognition programs and mentorship programs. Having an empowered culture is crucial to success. In …

https://www.epicbrokers.com/insights/epic-named-best-place-work-birmingham/

IRS Releases Draft Forms for 2020 ACA Reporting

… an employer to enter the employee’s age as of the beginning of the calendar year. ZIP Code. The embedded Instructions for Recipient section in draft Form 1095-C indicates that employers that offer ICHRAs to employees must disclose the employees’ ZIP Codes if the employer uses the employee’s location to determine affordability as provided in IRS proposed regulations. See this EPIC article for more information about the proposed affordability safe harbors applicable to ICHRAs. Additional codes related to offers of ICHRAs. The embedded Instructions for Recipient section provides a brief description of an additional set of ICHRA-related …

https://www.epicbrokers.com/insights/irs-releases-draft-forms-for-2020-aca-reporting/

Covering Coronavirus: Risk Considerations Volume 1, Issue 16

… when initial damage occurred until it is repaired and operations resume. Civil Authority (CA) actions may also trigger coverage for lost income and extra expenses. CA applies when business operations are shut down by government order due to physical damage to properties in a defined geographic area near an insured location. If an entire block was shut down during the recent riots, this could be an example of a CA action. Property Damage Caused by Riots Could Compound BI Claims Another fallout from the recent riots is the potential for increased complexity to already convoluted business interruption claims being submitted …

https://www.epicbrokers.com/insights/covering-coronavirus-risk-considerations-volume-1-issue-16/

How Will Commercial Property Insurance Policies Respond to Riot, Vandalism, and Civil Commotion?

… is repaired and operations resume. Many polices also have a “waiting period” of up to three days before coverage is triggered. Civil Authority Actions “Civil Authority” provides coverage for lost income and extra expenses. It applies when business operations are shut down by government order, due to physical damage to properties in a defined geographic area near the insured location. An example would be damage and/or looting to neighboring properties that prompts an order for the entire block to be closed, thus preventing business operations at the insured location. The insurance carrier will have the ultimate determination on coverage

https://www.epicbrokers.com/insights/how-will-commercial-property-insurance-policies-respond/

Farm and Ranch

The EPIC team has a long history of helping farmers, ranchers, and equine-related operations across the United States mitigate their risk through insurance and risk management services. We understand that each farm and ranch is unique and take time to listen, so we can help customize the best program that transfers your risk and allows you to do what you love. Connect with Sales We’ve partnered with…. Dairy farms with 25 grass-fed cows to Dairy farm operations with as many as 10,000 cows at a single location. Pork operations that finish 1000 pigs on contract and …

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

IRS Relaxes Section 125 Election Change Rules, Expands Grace Periods and Carryovers

… due to unforeseeable changes in the need for or availability of medical care, and so wish to increase or decrease amounts in their health FSAs. Some employees similarly may have increased or decreased dependent care assistance needs due to unanticipated school and child care provider closures or changes to work location or schedule. Unfortunately the limited exceptions in existing relevant election change regulations may not apply to requested health coverage, HFSA, and DCAP election changes for these reasons. The Notice allows an employer to amend its cafeteria plan (including limiting the period during which election changes may be made) to …

https://www.epicbrokers.com/insights/irs-relaxes-section-125-election-change-rules/