Marketing Portal – HR Compliance

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HR Compliance – Table of Contents


Tobacco Surcharges

Tobacco Surcharges: Wellness program compliance considerations

A tobacco surcharge is a permissible part of a bona fide wellness program that allows employers to charge tobacco users higher premiums than their counterparts who do not use tobacco.

Updated Oct. 2024

The Five Ws and One H of COBRA

Who is required to offer COBRA? What events are COBRA Qualifying Events? Which plans are subject to COBRA? Get all your basic COBRA questions answered here.

General Agency FunctionsLegal Alert: HIPAA Privacy Rules Amended to Require Protection of Reproductive Healthcare Information

The U.S. Department of Health and Human Services (“HHS”) issued a Final Rule amending the HIPAA Privacy Rule, protecting the ability of individuals to receive reproductive healthcare when the care is provided lawfully.

Know Your Numbers – A Roadmap to Regulatory Compliance

With growth comes increased regulatory compliance in the employee benefits and human resources world. For every set of regulations, federal and state agencies count heads in different ways. Use this roadmap to guide your regulatory compliance as a growing employer!1

Compliance MattersCompliance Matters – The 30-Day Grace Period Election Myth

Although most carriers will allow insurance elections to be changed within 30 days, there is no 30-day grace period under Code §125 permitting a change to a pretax election.

General Agency Functions

Legal Alert: HIPAA Privacy Rules Amended to Require Protection of Reproductive Healthcare Information

The U.S. Department of Health and Human Services (“HHS”) issued a Final Rule amending the HIPAA Privacy Rule, protecting the ability of individuals to receive reproductive healthcare when the care is provided lawfully.


HIPAA Authorization Fillable Form

Authorization for release of health information

Updated October 22, 2023


HIPAA and Your Group Health Plan

HIPAA and Your Group Health Plan

HIPAA & your group health plan whitepaper.

Updated July 19, 2024


ERISA Fidelity Bonds

ERISA Fidelity Bonds – Protecting Your Employee Benefit Plan

This document highlights key elements that employers and other plan sponsors should know about ERISA’s fidelity bonding requirements.

Updated May 21, 2024


ERISA Fiduciary Success

ERISA Fiduciary Success

ERISA imposes heightened requirements on fiduciaries over individuals such as administrators, HR professionals and others who may work with the plan. We have identified four critical steps to success as an ERISA plan fiduciary.

Updated May 21, 2024


Carrier Premium Credits and ERISA Fiduciary Obligations

Carrier Premium Credits and ERISA Fiduciary Obligations

Under ERISA, anyone who has control over plan assets has fiduciary obligations and must act accordingly.

Updated May 17, 2024

Mini-COBRA Quick Facts

Mini COBRA Quick Facts

Updated April 25, 2024

Mini-COBRA Quick Facts

Compliance Basics PLUS SPD Wrap & 125 POP

Compliance Basics Plus makes compliance and HR simple, giving you the peace of mind that you are audit-ready and won’t be subject to fines and penalties.

Affordability for Applicable Large Employers

COVID-19 and affordability for applicable large employers

Updated February 7, 2024

Fiduciary Responsibilities Group Health Plan Sponsors

Fiduciary Responsibilities for Group Health Plan Sponsors

The Employee Retirement Income Security Act (ERISA) and related legislation impose a myriad of requirements on employers including a requirement that the plan have “fiduciaries” who operate the plan in the sole interest of the participants and beneficiaries.

Updated May 21, 2024

Government Shutdown and Employee Benefits

Government Shutdown and Employee Benefits

Government shutdown and employee benefits Whitepaper

Updated October 22, 2023

HIPAA Considerations

HIPAA Considerations

Wellness programs that offer a reward in connection with the group health plan are typically subject to HIPAA.

Updated October 22, 2023

Mini-COBRA Quick Facts

Mini COBRA Quick Facts

Mini-COBRA quick facts

Updated April 25, 2024


Required Annual Notice Templates

Required Annual Notices Templates

Updated October 22, 2023


Wellness Programs and Compliance

Wellness Programs and Compliance Whitepaper

Wellness programs & compliance: a few considerations for employers


Updated October 22, 2023