September 12, 2014

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Medicare Notice Deadline Approaching

Its that time of year where as an employer offering prescription drug coverage to Medicare Part D Eligible employees, the Centers for Medicare and Medicaid Services (CMS) requires you to notify these members if the drug coverage is Creditable or Non Creditable by no later than October 15th of every year and annually notify CMS, online within 60 […]

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September 4, 2014

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New Rules on Religious Exemptions from Contraceptive Mandate

Health and Human Services (HHS) issued an interim finale rule for religious non-profits on a process for notification of HHSA of objection(s) to providing said coverage. HHS also issued a proposed rule, seeking comments on extending similar provisions to closely held for-profit organizations. Closely held for profit organizations In responses to the U.S. Supreme Court’s […]

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September 3, 2014

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The Flu Season is Almost Upon Us

School is in session, fall is around the corner and so is flu season. Influenza (flu) is a very contagious respiratory illness caused by influenza viruses. The viruses can cause mild to severe illness, serious complications, hospitalization and even death. The CDC recommends a yearly flu vaccine for everyone 6 months and older to protect […]

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September 2, 2014

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“Individual Mandate” Requirements & Exemptions

Under the Affordable Care Act individuals are required to have “minimum essential coverage” for each month starting January 2014 going forward. Failure to have the required coverage results in a fee known as the “individual share responsibility payment.” What is the penalty? For 2014 this fee is 1% of your yearly income or $95 per […]

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August 27, 2014

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What your broker doesn’t know CAN hurt you…

Regardless of your industry, the size of your company, or the sophistication of your systems, nearly everyone has heard of Cyber Liability. Unfortunately this is the result of a number of different high profile data breaches (for example: Schnucks, PF Changs, and Community Health Systems). The insurance industry has responded to this emerging exposure with a […]

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August 26, 2014

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More Electronic Buzz

The American Heart Association (AHA) released its first policy statement on electronic cigarettes (e-cigarettes) on Monday, August 25, 2014. The statement was written by a group of scientists, physicians and researchers that studied the latest research on e-cigarettes. The association considers nicotine containing e-cigarettes to be tobacco products and therefore should be regulated the same […]

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August 26, 2014

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Using the Electronic Disclosure Safe Harbors

ERISA requires employers to provide a multitude of documents about their employee benefit plans to covered participants. How these documents make their way to participants is regulated by the Department of Labor (DOL) and many can be delivered electronically. The government created “safe harbors” that release employers from liability if followed. There are two types […]

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August 19, 2014

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What’s for Lunch?

As students go back to school they will either bring their lunch from home or participate in a school lunch program at their school. The National School Lunch Program is a federally assisted lunch program that operates in public or nonprofit private schools. Schools that choose to participate in the lunch program receive cash subsidies […]

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August 18, 2014

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J.W. Terrill Supports Reinvest North County Fund

In honor of the people who live, work and go to school in the city of Ferguson and surrounding communities, J.W. Terrill has made a donation to the Reinvest North County Fund, organized by The St. Louis Regional Business Council (RBC) to support small business owners and school children who were impacted by the recent […]

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August 12, 2014

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J.W. Terrill Recognized as One of the Largest Brokers of U.S. Business

For immediate release: J.W. Terrill has been recognized on Business Insurance magazine’s list of the “100 Largest Brokers of U.S. Business.” The survey, based on 2013 brokerage revenues, demonstrates the success of J.W. Terrill’s commitment to delivering high-value risk management expertise, services, and products. “It is an honor to be named one of the nation’s […]

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