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May 5th, 2026 The following material is provided for informational purposes only. Before taking any action that could have legal or other important consequences, speak with a qualified professional who can provide guidance that considers your unique circumstances. Stamping and sealing issues are not the most...

Employer Pressure to Decline Group Coverage in Favor of Medicare: Why It’s Prohibited (Even for Groups <20 Employee) Even when an employer has fewer than 20 employees, making Medicare primary under the MSP rules, there are still strict federal protections preventing an employer from influencing an employee’s...

The following material is provided for informational purposes only. Before taking any action that could have legal or other important consequences, speak with a qualified professional who can provide guidance that considers your unique circumstances. 1. Defining Risk Management in the Design Profession Take a...

When employers receive Medical Loss Ratio (MLR) rebates from their insurance carriers, it’s not just a financial credit. It’s a compliance obligation. These funds must be evaluated and distributed in accordance with ERISA and ACA rules, ensuring that any portion attributable to employees is handled...

The following material is provided for informational purposes only. Before taking any action that could have legal or other important consequences, speak with a qualified professional who can provide guidance that considers your unique circumstances. Closing an architectural or engineering practice, or retiring...

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LIONS & TIGERS & STAMPING & SEALING

Special Compliance Situations regarding Medicare Coordination

Creating a Risk-Aware Culture in Architectural and Engineering Firms

Distributing Medical Loss Ratio (MLR) Rebates

Winding Down with Confidence : Essential Insurance and Risk Management