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EPIC Welcomes John Prentis and Larry Bowlus to Executive Risk and Cyber Practice

… team leader within the same group, specializing in D&O and management liability insurance programs for public and private companies. Both bring a breadth of experience across industry groups, with deep experience handling executive risks for technology, life science companies and financial institutions, among many others in the public and private sectors. “We are extremely pleased to welcome John and Larry to EPIC,” said Steve Denton, EPIC CEO. “Their experience serving large publicly traded clients and deep expertise in the technology sector fits perfectly with our deep resources currently deployed in the large account risk management sector. In fact, they …

https://www.epicbrokers.com/insights/epic-welcomes-john-prentis-larry-bowlus-executive-risk-cyber-practice/

EPIC Named to Inc. 5000 List

… of EPIC. “Our people are the strength of our performance and the reason for our success. We also appreciate the loyalty of our amazing clients. Despite the unforeseen challenges the pandemic has thrust upon us all, our unique culture, strong performance, growth and innovation will continue in the months and years ahead.” Companies that made this year’s list achieved an incredible three-year average growth of more than 500 percent, and a median rate of 165 percent. EPIC is proud to continue its rank among the most successful private companies in America. View Us on the Inc. 5000 List

https://www.epicbrokers.com/insights/epic-named-to-inc-5000-list/

Flight to Quality

… law would be beneficial for the country (hint: it varied based upon your economic and employment position), as a young actuarial healthcare consultant, I was looking at the 30-year+ career ahead of me and wondering if this would change everything – perhaps jeopardizing my livelihood should employers mass exit the private health insurance markets. In reality, just the opposite took hold. The confusion and complexity that overcame the market created the greatest opportunity for healthcare consultants since the HMO wave of the mid-90s. Employers were desperate to receive honest, unbiased analyses of pay-or-play cost modeling. Not to …

https://www.epicbrokers.com/insights/flight-to-quality/

Covering Coronavirus: Risk Considerations Volume 1, Issue 10

… (Families First Coronavirus Response Act), lawsuits from employees alleging employers have violated the provisions of that Act are beginning to emerge. In a recent example of a developing case, Jones v. Eastern Airlines, an employee alleges that her supervisor became hostile when she requested two hours of paid time off per day to care for her son, an allowance that is provided through the FFCRA. Instead of receiving the time off, the employee was fired. The FFCRA mandates that private employers with less than 500 employees as well as public sector employers, provide time off to workers who are …

https://www.epicbrokers.com/insights/covering-coronavirus-risk-considerations-volume-1-issue-10/

What is Social Engineering Fraud?

What is Social Engineering Fraud? Social engineering most commonly occurs when hackers manipulate employees into disclosing private information which leads to them voluntarily parting with company or client funds money or products. Hackers take advantage of human nature to exploit a target company through its employees. Social Engineering usually involves an email or other type of communication that induces a sense of urgency in the victim, which leads the victim to promptly comply. By educating staff to be alert to these tactics, companies can reduce the risk of falling prey to such schemes. SOCIAL ENGINEERING FRAUD TECHNIQUES Pretexting: Hacker impersonates …

https://www.epicbrokers.com/insights/what-is-social-engineering-fraud/

Covering Coronavirus: Risk Considerations Volume 1, Issue 4

… U.S. health insurer loss ratios and found 2020 medical loss ratios would increase by an estimated 3.5%, from 85% to 88.5%, in a moderate scenario and an estimated 11% up to 96% in a severe scenario. While the study was of 170 million fully-insured populations with private insurance, it offers a potentially helpful guide for self-insurers trying to gauge the potential impact of coronavirus on their plans. That said, at this time the coronavirus is not anticipated to have a dramatic effect on the self-funded employer health plan costs of EPIC clients. The reasons …

https://www.epicbrokers.com/insights/covering-coronavirus-risk-considerations-volume-1-issue-4/

Don’t Let Out-of-Network Balance Billing Happen to Your Team

… to use an out-of-network facility. The dialysis company’s justification for these ludicrously high charges was that the private health insurance market subsidizes the lack of money they make off of negotiated Medicare rates and the uninsured, which often pay significantly less than the cost of services. Subsequently, private health plan participants who go out-of-network can be subject to a nasty balance-billing surprise, and while some states have protections in place against surprise balance billing, these are limited by federal law. Most of our clients don’t have an issue finding in-network care but …

https://www.epicbrokers.com/insights/dont-let-out-of-network-balance-billing-happen-to-your-team/

EPIC Adds Todd Randolph in Atlanta

… spent the last eight years of his career. As a VP and Employee Benefits Consultant at USI, he was known for implementing value-based benefit programs and specializing in advanced design and funding approaches for group medical (all ancillary lines) – including the appropriate uses of captives, self-funding, HRA/HSAs, private exchanges, and traditional, fully-insured programs. “We are thrilled to continue the growth of our Employee Benefit operations,” said EPIC’s Ed Oravetz. “Todd is a well-respected, highly strategic, and consultative employee benefits professional who will deliver great value to our clients and to other EPIC team members …

https://www.epicbrokers.com/insights/epic-adds-todd-randolph-in-atlanta/