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August Is National Wellness Month

… issues that may stem from lifestyle factors. Employers can address their employee population’s health and weight management by promoting health and wellbeing at the workplace. There are low-budget (to no-budget) options in the marketplace. One low-budget option for employers is FREE phone applications that can support employee wellbeing and weight management. In addition, EPIC encourages employers to develop strategic communications to promote a more well-rounded plan for weight management, chronic condition prevention, and risk reduction within their employee population. MyFitnessPal: this app is a FREE calorie tracking app in which members can create and …

https://www.epicbrokers.com/insights/national-wellness-month/

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/

Policy Review, Design and Management

… a written rationale. Two out of three high-net-worth in-force cases we review are materially misstructured, underperforming, or owned in a way that has created avoidable exposure. Connect with Our Team Our Process Every policy is evaluated across seven independent dimensions — Cost, Guarantee, Investment, Carrier, Flexibility, Stability, and Risk & Compliance — each scored, each benchmarked, each documented in the written rationale. Where the review uncovers something, it rolls directly into consulting — case design and modeling across carriers, estate and liquidity frameworks, premium finance and PPLI, plus ongoing administration and annual management of in-place coverage. No gap between finding …

https://www.epicbrokers.com/services/policy-review-design-management/

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/services/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 | Q3 2026

Preventive Care: Small Actions That Drive Big Outcomes Preventive care remains one of the most underutilized yet high-impact strategies available to employers today. Annual preventive visits drive better health outcomes, lower costs, and earlier risk identification. Research consistently shows that identifying cancer earlier allows for less invasive treatment and improved survival, while reducing the downstream burden of advanced-stage care. Yet despite this, many employer populations fall below recommended preventive screening engagement. This gap represents a significant opportunity to improve both individual wellbeing and population health outcomes. Innovations in screening, including emerging multi-cancer detection approaches, further reinforce the …

https://www.epicbrokers.com/insights/the-well-newsletter-q3-2026/