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The Hardening Stop Loss Market

… at a loss. So, we have repeatedly found ourselves in situations requiring 30%, 50%, and in some rare cases, even larger increases. Also concerning is the fact that many carriers are curtailing the offer of “no new lasers” contracts. Our recommendation to clients is: When appropriate, consider taking on more risk with the thresholds, explore clinical case management solutions offered by the medical carrier to reduce high spend, and ensure your consultant is truly scouring all ends of the reinsurance market. We’ll often see our competitors approach only three carriers when a reinsurance marketing should include at least 10 …

https://www.epicbrokers.com/insights/the-hardening-stop-loss-market/

The Leave Management Shift: New Research on What’s Working (And What Isn’t)

Viewpoints from Morgan Lee, PhD, MPH, CPH and Lisa Malloy, CLU, REBC, FLMI The Strategic Shift in Leave Management Leave management has evolved from a simple administrative task to a critical strategic imperative. As employee expectations rapidly evolve and compliance requirements grow more complex, human resources (HR) and finance leaders face an urgent reality: the old playbook no longer works. Today’s workforce demands flexibility, and organizations must adapt quickly or risk falling behind. So, how can you streamline leave processes without sacrificing compliance? How does your company strike a balance between employee needs and operational efficiency? The answer lies …

https://www.epicbrokers.com/insights/leave-management-strategy-shift/

Mitigating the Risk of Auditing U.S.-Listed Foreign Companies

… affiliated entities in these foreign jurisdictions, and in other cases they have or will begin to contract with another independent accounting firm or individual accountants located in China or Hong Kong to assist the U.S.-based accounting firm perform portions of the audit work under the lead auditor’s management and supervision. For those accounting firms that have or are considering undertaking these engagements, it is important to keep in mind the related risks in order to best consider how to mitigate them. The acting chief accountant of the Securities and Exchange Commission, Paul Munter, has issued a statement …

https://www.epicbrokers.com/insights/mitigating-auditing-risk/

IMPACT Risk Partners, a division of EPIC

If your priority is achieving superior business results with a productive workforce, count on us to help you achieve that goal. Our innovative, holistic approach helps you improve corporate profitability and provide better employee and customer experiences by leveraging your data to manage cost drivers and program performance from strategy through execution. Connect with Impact Casualty Liabilities Reduction We help improve casualty liabilities programs to help you before and after a claim occurs. For example, our Workers’ Compensation Liabilities Reduction combines analytics, claims management, and process improvements to optimize cost containment strategies. Then, our Workers’ Compensation Claims Closure process identifies …

https://www.epicbrokers.com/products/impact/

Coronavirus & Workplace Wellbeing: Primary Care and Chronic Condition Management

… fact that the decisions made regarding health don’t just impact the decision-maker, they impact those with whom they come into direct contact.   So please encourage your employees to get their annual wellness exams. If chronic illness goes undiagnosed or known chronic illnesses aren’t routinely checked on and maintained, educated decisions cannot be made on the possible risk level for severe COVID-19 symptoms – and managing a chronic condition correctly will lessen the risk of severe COVID-19 outcomes.   Now is the time for human resources teams to remind employees to keep up with their recommended health and

https://www.epicbrokers.com/insights/coronavirus-workplace-well-being-primary-care-and-chronic-condition-management/

The Well Newsletter | May 2025

Move the needle on your population wellbeing and health. Keep your most valuable asset – your employees – engaged with practical, actionable topics covering the total wellbeing spectrum. Resilience and Adaptability: The New Essentials in Today’s Workforce Resilience and adaptability have transformed from desirable qualities to critical competencies, creating employees who are better equipped to manage stress, reduce burnout risk, and maintain overall wellbeing. Leaders who cultivate these qualities help their workforce survive change and empower them to thrive amid uncertainty, creating a more agile and sustainable organization. Learn how you can improve performance and cultivate resiliency at the workplace. This …

https://www.epicbrokers.com/insights/the-well-newsletter-may-2025/

How Emotional, Mental and Physical Wellbeing Can Improve Your Organization

… wellbeing resources that enhance job satisfaction and loyalty while significantly reducing costly turnover rates. Our team strives to realize this experience for all our clients. The dimensions of holistic wellbeing don’t sit in neat boxes – they work together intrinsically. When one aspect is lacking, it puts the others at risk. We often see the direct and indirect costs of poor mental health rank among the top healthcare expenditures for employers. Mental health is also highly correlated to physical health outcomes. By leveraging holistic efforts, communicating program resources frequently, and garnering appropriate leadership support, wellbeing can work for your company …

https://www.epicbrokers.com/insights/wellbeing-strategy-improve-your-organization/

Hype or Help? Obesity Drug Considerations for Employers

Viewpoints from Sarah Fleming & Erin Milliken Coauthored by Sarah Fleming, PharmD – Senior Pharmacy Benefit Clinical Consultant at PSG, and Erin Milliken, MPH, CHES – Director, Wellbeing and Health Management Solutions at EPIC With obesity impacting over 42% of adults and driving over $173 billion in annual medical costs in the U.S.1, incorporating a holistic wellbeing strategy has become more meaningful than ever to employers. Adding anti-obesity medications, specifically GLP-1s, into this overarching strategy continues to gain momentum Recent regulatory changes have further amplified the pressure on employer health plans to respond. The Food and Drug Administration (FDA …

https://www.epicbrokers.com/insights/weight-loss-drug-glp1-employer-considerations/