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Straight From The Source Blog by Higginbotham Insurance


June 2020 Retirement Times

June 16 , 2020

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Is it Time for a Plan Refresh?

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Tags: Retirement Plans


PCORI Fee Updated for 7/31 Deadline, New Rules for Direct Primary Care and HRAs

June 12 , 2020

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Tags: Compliance


Mental health: leave benefits and employee assistance programs

June 10 , 2020

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If 20 percent of your workers had a problem that increased absenteeism, decreased work performance and resulted in higher turnover, you’d probably want to do something about it.

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Tags: Employee Benefits


Trump Signs Bill Amending Paycheck Protection Program

June 05 , 2020

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Tags: Compliance


Fire suppression system 101 for commercial property owners

June 03 , 2020

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Every year, fire consumes thousands of businesses. Some never recover. In 2018, fire departments in the U.S. responded to approximately 1,313,500 fires resulting in $25.6 billion in direct property loss, according to the National Fire Protection Association 

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Tags: Risk Management


Out of state employees create work comp complexities

May 27 , 2020

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If your business only has a physical location in one state, you might think that’s the only state that needs to be listed on your workers’ compensation policy – but think twice. There are multiple situations in which other states might come into play, and this needs to be reported to the insurer.  

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Tags: Business Insurance


FMLA: What employers need to know

May 20 , 2020

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The Family and Medical Leave Act (FMLA) gives eligible employees the right to take up to 12 weeks of time off for qualifying reasons. It sounds simple, at least in theory, but there’s a lot that needs to be considered to comply with this law while keeping employees happy and businesses running smoothly. Here are some basics on who is eligible, when to designate leave as FMLA leave, how the FMLA works with the temporary Families First Coronavirus Response Act (FFCRA) and what happens when a company isn’t subject to FMLA.

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Tags: Employee Benefits


May 2020 Retirement Times

May 14 , 2020

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Should Your Company Implement a Student Loan Assistance Program?

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Tags: Retirement Plans


IRS Issues Guidance on Mid-Year Cafeteria Plan Changes and Leftover FSA Funds

May 13 , 2020

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New COVID-19 Guidance for Section 125 Mid-year Election Change Rules

On May 12, 2020, the IRS released Notice 2020-29, which provides temporary flexibility for mid-year election changes under a Section 125 cafeteria plan during calendar year 2020. The changes are designed to allow employers to respond to changes in employee needs as a result of the COVID-19 pandemic. This guidance relates to mid-year elections for self-insured and fully insured employer-sponsored health coverage, health flexible spending arrangements (health FSAs) and dependent care assistance programs (DCAPs).

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Tags: Compliance


Hosting a special event this summer? Consider a special event insurance policy

May 13 , 2020

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Shelter in place orders to help stop the spread of COVID-19 forced the cancellation of family events across the U.S., many of which had been meticulously planned for months in advance. This pandemic highlights the importance of special event insurance. Whether you’re planning a weddingQuinceañera, baby shower, religious ceremony or other special event, there’s much to consider to make it perfect – determining your guest list, vendors, decorations, food choices and all the small details. The last thing you think about is having an insurance policy for your event. But a special events insurance policy acts as your protection from a variety of claims that might occur on your big day – and in times like these, it’s important to be prepared for the unexpected. 

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Tags: Home & Auto


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