# newfront.com > AI-optimized mirror of newfront.com containing 1117 pages totalling 1,173,353 words of clean markdown content, structured data, and semantic HTML. Original source: https://newfront.com. Last updated: 2026-07-26T05:15:40.674Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [go/index.html](/content/go/index.html) (308 words) - [Modern Business Insurance Company - Benefits Brokerage - Newfront](/content/site-root.html): Modern insurance platform transforming risk management, employee experience, insurance, and retirement solutions with transparent data to lower your total cost of risk. (429 words) ## Articles & Blog Posts - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2023/index.html) (12 words) - [Medicare Part D Notice of Creditable Coverage Due](/content/blog/with-the-october-15-start-of-the-medicare-part-d-annual.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,159 words) - [ACA PCORI Fee Increases to $2.79 for 2021 Calendar Year Plans](/content/blog/aca-pcori-fee-increases-to-2-79-for-2021.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,618 words) - [Delaware and Virginia to Add Paid Family Leave Benefits](/content/blog/delaware-and-virginia-to-add-paid-family-leave-benefits.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (912 words) - [Error 404 | Page not found](/content/pages/wbn2022-06-14officehoursmergersacquisitionsforhwemployeebenefitplans_lp-postvideo-html.html) (12 words) - [Error 404 | Page not found](/content/pages/wbn2022-09-13officehourscobraforemployees_lp-postvideo-html.html) (12 words) - [Error 404 | Page not found](/content/pages/wbn2022-04-12officehours-healthbenefitswhileonleave_lp-postvideo-html.html) (12 words) - [Error 404 | Page not found](/content/pages/wbn2022-10-20officehourshipaatrainingforemployers_lp-postvideo-html.html) (12 words) - [Washington DC Reduces PFL Contributions and Expands Leave](/content/blog/washington-dc-reduces-pfl-contributions-expands-leave.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (653 words) - [Maryland Jumps on the Paid Family Leave Bandwagon](/content/blog/maryland-paid-family-leave/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (610 words) - [FAST List - Fall 2022](/content/blog/fast-list-fall-2022/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,152 words) - [San Francisco HCSO Expenditure Rates Updated for 2022](/content/blog/san-francisco-hcso-expenditure-rates-updated-for-2022.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (704 words) - [2020 ACA Reporting Deadline for 2019 Forms Extended by 30 Days (Again)](/content/blog/2020-aca-reporting-deadline-for-2019-forms-extended-by-30-days-again.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,142 words) - [404 | We can’t seem to find the page you were looking for. Sorry about that!](/content/blog/behavioral-biases-and-finance-part-2https/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (84 words) - [2023 Health FSA Limit Increased to $3,050](/content/blog/2023-health-fsa-limit-increased-to-3050/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,017 words) - [Prep for a Recession: Get Back to Money Management Basics in Five Steps](/content/blog/prep-for-a-recession-get-back-to-money-management/index.html): Simple ways to build better personal financial habits for 2023 and beyond. (943 words) - [Responding to IRS Letter 226J](/content/blog/responding-to-irs-letter-226j/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,660 words) - [Covid Bill Includes Major FSA Relief](/content/blog/covid-bill-includes-major-fsa-relief/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,915 words) - [Potential ACA Employer Mandate Penalties for Late Offer of Coverage to New Full-Time Hire](/content/blog/potential-aca-employer-mandate-penalties-for-late-offer-of-coverage-to-new-full-time-hire.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,600 words) - [Newfront Retirement Services Receives Certification from Centre for Fiduciary Excellence (CEFEX)](/content/news/newfront-retirement-services-receives-certification-from-centre-for-fiduciary-excellence-cefex.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (473 words) - [How Financial Stress Can Impact Mental Health—and Steps to Achieve Peace of Mind](/content/blog/how-financial-stress-can-impact-mental-health/index.html): May is Mental Health Awareness month, and we’re exploring how mental health and financial wellness are intertwined—and sharing some steps you can take to alleviate financial stressors. (1,013 words) - [Insurance Coffee House | Opening Doors for Insurance Talent](/content/news/insurance-coffee-house-opening-doors-for-insurance-talent.html): Newfront's Chief People Officer Paige Maisonet joined Insurance Coffee House podcast host Nick Hoadley to discuss her journey from HR generalist to CPO and how she's helped shape one of the most forward-thinking cultures in insurance today. (116 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_newfront_ma_for_hw_employee_benefits_guide-pdf.html) (12 words) - [COBRA for the Health FSA](/content/blog/cobra-for-the-health-fsa/index.html): Newfront's Brian Gilmore breaks down the special COBRA rules that apply to the health FSA. (2,926 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022-20newfront-20state-20paid-20family-20leave-20chart-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022-20newfront-20state-20disability-20chart-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/wbn2022-03-15officehourshealthbenefitsfordomesticpartners_lp-postvideo-html.html) (12 words) - [HIPAA Breach Notifications for Employers](/content/blog/hipaa-breach-notifications-for-employers/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,027 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2021_annual_notices-part_d_notice_of_non-creditable_coverage-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2021_annual_notices-part_d_notice_of_creditable_coverage-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2021_annual_notices-ada_wellness-pdf.html) (12 words) - [Last Call: Final 30-Day Extension for 2020 ACA Reporting Forms Furnished in 2021](/content/blog/last-call-final-30-day-extension-for-2020-aca-reporting-forms-furnished-in-2021.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,250 words) - [Newfront Retirement Services Recognized in Pensions & Investments’ Best Places to Work in Money Management](/content/news/newfront-retirement-services-recognized-bptw/index.html): Newfront Retirement Services was recognized for the third consecutive year in the 2024 Best Places to Work in Money Management awards announced by Pensions & Investments. (969 words) - [Error 404 | Page not found](/content/pages/wbn2020-10-20preipo_lp-postvideoslides-html.html) (12 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2023-20annual-20notices-part-20d-20notice-20of-20non-creditable-20coverage-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_annual_notices-part_d_notice_of_creditable_coverage-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_annual-notices-part_d_notice_of_non-creditable_coverage-pdf.html) (12 words) - [How COBRA and Medicare Interact for Retirees](/content/blog/how-cobra-and-medicare-interact-for-retirees/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,938 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_annual_notices-whcra-hipaa_se-aca_ppn-pdf.html) (12 words) - [When Mid-Year Election Changes Are Effective](/content/blog/when-mid-year-election-changes-are-effective/index.html): Newfront's Brian Gilmore addresses when an employee experiences a mid-year permitted election change event and how that impacts the employee’s new health and welfare plan elections. (3,400 words) - [Short Plan Year Considerations](/content/blog/short-plan-year-considerations/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,180 words) - [Health Coverage for Employees on Military Leave](/content/blog/health-coverage-for-employees-on-military-leave/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,972 words) - [Newfront Ranks No. 1 in Best Places To Work in Money Management by Pensions & Investments](/content/news/newfront-ranks-first-in-best-places-to-work-in-money-management.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (518 words) - [COBRA Small Employer Exception](/content/blog/cobra-small-employer-exception/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,895 words) - [Addressing Employee Health Plan Exception Requests: Part I](/content/blog/health-plan-exceptions-part-1/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,181 words) - [Ten Spousal Incentive HRA Compliance Considerations](/content/blog/ten-spousal-incentive-hra-compliance-considerations.html): Newfront's Brian Gilmore covers the main compliance considerations associated with the (increasingly popular) spousal incentive HRA approach. (3,455 words) - [Key Decision Points in ACA Reporting Vendor Setup Questionnaires: Part III](/content/blog/key-decision-points-in-aca-reporting-vendor-setup-questionnaires-part-iii.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,740 words) - [Additional Health Plan Price Transparency Disclosures Coming Soon](/content/blog/additional-health-plan-price-transparency-disclosures.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,607 words) - [Newfront Announces Appointment of Courtney Leimkuhler to Board of Directors](/content/blog/newfront-announces-appointment-of-courtney-leimkuhler.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (546 words) - [Dependent Care FSA for Employees on Leave](/content/blog/dependent-care-fsa-for-employees-on-leave/index.html): Newfront's Brian Gilmore discusses what happens to employees’ dependent care FSA benefits when they go on a leave of absence. (3,090 words) - [HIPAA Training Sign-In Sheet](/content/go/hubfs/pdfs/newfront-20hipaa-20training-20sign-20in-20sheet-pdf.html) (44 words) - [Adding a New EIN to the Health Plan](/content/blog/adding-a-new-ein-to-the-health-plan/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,775 words) - [ACA Reporting for Controlled Groups](/content/blog/aca-reporting-for-controlled-groups/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,056 words) - [ACA First Day of the Fourth Full Calendar Month Rule](/content/blog/aca-first-day-of-the-fourth-full-calendar-month-rule.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,494 words) - [HSAs and Domestic Partners](/content/blog/hsas-and-domestic-partners/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,847 words) - [2023 Newfront EB Compliance Guides](/content/blog/2023-newfront-eb-compliance-guides/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,083 words) - [Employer Commuter Benefit Subsidies](/content/blog/employer-commuter-benefit-subsidies/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,394 words) - [The COBRA Gross Misconduct Exception](/content/blog/the-cobra-gross-misconduct-exception/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,361 words) - [Total Rewards](/content/terms/total-rewards/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (5,295 words) - [Increased $3.22 PCORI Fee Due July 31 ](/content/blog/increased-pcori-fee-due-july-31-2024/index.html): IRS Notice 2023-70 adjusts the Patient-Centered Outcomes Research Institute (PCORI) fee to $3.22 per covered individual for health plan years ending on or after October 1, 2023 and before October 1, 2024, which includes 2023 calendar plan years. (2,206 words) - [Employer Tax-Free Student Loan Repayment Available Through 2025](/content/blog/employer-tax-free-student-loan-repayment-available-through-2025.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,259 words) - [Group-Term Life - Imputed Income](/content/blog/group-term-life-c2a779-imputed-income/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,867 words) - [ACA Reporting Penalties](/content/blog/aca-reporting-penalties/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,901 words) - [The Missing Link: Where Will Employers Post Links to the TiC Machine-Readable Files?](/content/blog/where-will-employers-post-links-to-tic-machine-readable-files.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,666 words) - [How the 2023 ACA Affordability Decrease to 9.12% Affects Employers](/content/blog/how-the-2023-aca-affordability-decrease-to-9-12-affects.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (663 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2023-20annual-20notices-ada-20wellness-pdf.html) (12 words) - [Health Coverage for Temps and Interns](/content/blog/health-coverage-for-temps-and-interns/index.html): This post covers when employers are required to offer health coverage to full-time temps and interns to avoid potential ACA employer mandate penalties and associated strategies. (2,614 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2023-20annual-20notices-part-20d-20notice-20of-20creditable-20coverage-pdf.html) (12 words) - [Taxation of Gym Reimbursement Arrangements](/content/blog/taxation-of-gym-reimbursement-arrangements/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,335 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2023-20annual-20notices-whcra-hipaa-20se-aca-20ppn-pdf.html) (12 words) - [Key Decision Points in ACA Reporting Vendor Setup Questionnaires: Part IV](/content/blog/key-decision-points-in-aca-reporting-vendor-setup-questionnaires-part-iv.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,565 words) - [Error 404 | Page not found](/content/pages/wbn-2022-01-11-office-hours-yr-reviewwhat-to-expect_lp-postvideo-html.html) (12 words) - [Enrolling New Dependents and Changing Plan Options Under COBRA](/content/blog/enrolling-new-dependents-and-changing-plan-options-under-cobra.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,070 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_annual_notices-ada_wellness-pdf.html) (12 words) - [Addressing Employee Health Plan Exception Requests: Part II](/content/blog/addressing-employee-health-plan-exception-requests/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,421 words) - [The ACA Preventive Health Services Mandate](/content/blog/the-aca-preventive-health-services-mandate/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,675 words) - [Key Decision Points in ACA Reporting Vendor Setup Questionnaires: Part I](/content/blog/key-decision-points-in-aca-reporting-vendor-setup-questionnaires-part-i.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,384 words) - [2022 Newfront EB Compliance Guides](/content/blog/2022-newfront-eb-compliance-guides/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (886 words) - [The ACA and CAA Patient Protections](/content/blog/the-aca-and-caa-patient-protections/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,953 words) - [Early Termination of COBRA Upon Enrollment in Other Group Health Plan or Medicare](/content/blog/early-termination-of-cobra-upon-enrollment-in-other-group-health-plan-or-medicare.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,322 words) - [The New CAA Surprise Billing Notice](/content/blog/the-new-caa-surprise-billing-notice/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,365 words) - [IRS to Require Electronic Filing for ACA Reporting in 2024](/content/blog/irs-to-require-electronic-filing-for-aca-reporting-in-2024.html): Newfront's Brian Gilmore covers the changes with the IRS electronic filing requirements for ACA reporting in 2024. (2,211 words) - [COBRA for Infertility HRAs and Other Specialty HRAs](/content/blog/cobra-for-infertility-hras-and-other-specialty-hras.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,685 words) - [Key Decision Points in ACA Reporting Vendor Setup Questionnaires: Part II](/content/blog/key-decision-points-in-aca-reporting-vendor-setup-questionnaires-part-ii.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,617 words) - [Health Plan Elections Upon Rehire or Return from Leave](/content/blog/health-plan-elections-upon-rehire-or-return-from-leave.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,668 words) - [Addressing Employee Health Plan Exception Requests: Part IV](/content/blog/addressing-employee-health-plan-exception-requests1.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,491 words) - [Addressing Employee Health Plan Exception Requests: Part V](/content/blog/addressing-employee-health-plan-exception-requests-partv.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,214 words) - [Registered Domestic Partners and Company-Defined Domestic Partners](/content/blog/registered-domestic-partners-and-company-defined-domestic-partners.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,377 words) - [Health FSA for Employees on Leave](/content/blog/health-fsa-for-employees-on-leave/index.html): Newfront's Brian Gilmore discusses what happens to employees’ health FSA coverage when they go on a leave of absence. (2,535 words) - [The ACA Exchange Notice](/content/blog/the-aca-exchange-notice/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,446 words) - [The ACA Integration Rules for Specialty HRAs](/content/blog/the-aca-integration-rules-for-specialty-hras/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,014 words) - [Newfront's 2024 Hackathon: Client-First, AI-Forward](/content/blog/newfront-2024-hackathon-client-first-ai-forward/index.html): Last week, Newfront's world-class tech team gathered in San Mateo, CA for the company's annual Hackathon. An outsider might ask - "A Hackathon - at an insurance company?" The annual event is just one way Newfront is different from its competitors. (421 words) - [The Summary Annual Report (SAR) for Health Plans](/content/blog/the-summary-annual-report-sar-for-health-plans/index.html): Newfront's Brian Gilmore explains what the SAR is for an employer-sponsored health and welfare plan. (2,411 words) - [COBRA for an Incapacitated or Deceased Qualified Beneficiary](/content/blog/cobra-for-an-incapacitated-or-deceased-qualified-beneficiary.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,527 words) - [Addressing Employee Health Plan Exception Requests: Part VI](/content/blog/addressing-employee-health-plan-exception-requests-part-vi.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,191 words) - [Effect of COVID-19-Related Reduction of Hours, Furloughs, Layoff Pay, and Premium Shortfalls on Health Benefits](/content/blog/effect-of-covid-19-on-benefits/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,137 words) - [ACA Reporting and COBRA](/content/blog/aca-reporting-and-cobra/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,361 words) - [IRS Relaxes Cafeteria Plan Rules for COVID-19 and Increases Health FSA Carryover to $550](/content/blog/irs-relaxes-cafeteria-plan-rules-for-covid-19-and-increases-health-fsa-carryover-to-550.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,953 words) - [ACA Essential Health Benefits](/content/blog/aca-essential-health-benefits/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,137 words) - [Benji Terms of Use - Newfront ](/content/terms/benji/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,740 words) - [Covid Vaccine Premium Incentives and Surcharges](/content/blog/covid-vaccine-premium-incentives-and-surcharges/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,488 words) - [Providing SBCs to Employees](/content/blog/providing-sbcs-to-employees/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,252 words) - [ACA Reporting for Employers with a Self-Insured Plan](/content/blog/aca-reporting-for-employers-with-a-self-insured-plan.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (758 words) - [How the ACA Affordability Increase to 9.83% Affects Employers](/content/blog/how-the-aca-affordability-increase-to-9-83-affects-employers.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,225 words) - [ACA Form W-2 Cost of Coverage Reporting](/content/blog/aca-form-w-2-cost-coverage-reporting-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (650 words) - [How the ACA Applies to Contingent Workers](/content/blog/how-the-aca-applies-to-contingent-workers-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (948 words) - [401(k)ology – “Late” Employee Deferrals and Loan Repayments](/content/blog/late-employee-deferrals-and-loan-repayments/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,188 words) - [2026 Newfront HIPAA Training for Employers Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_hipaa_training_for_employers_guide-pdf.html) (7,102 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2019_annual_notices-chip_notice-pdf.html) (12 words) - [BenefitsPro | Underutilized Benefits Costing You? Education is the Answer](/content/news/benefitspro-underutilized-benefits-costing-you/index.html): When it comes to benefits strategies, Newfront's Andrea Trudeau recommends People teams prioritize education, communication, and available resources to increase utilization and improve employee satisfaction. (104 words) - [New HIPAA Reproductive Health Rules ](/content/blog/new-hipaa-reproductive-health-rules/index.html): HHS has issued new HIPAA privacy rules designed to support reproductive health care privacy and particularly to minimize the risk of concerns for individuals crossing state lines to seek an abortion where it is lawfully available under the circumstances. (1,705 words) - [Pensions & Investments | Retirement Trends Show Higher Deferrals, AI Integration](/content/news/pensions-and-investments-retirement-trends/index.html): Newfront's Head of Retirement Services Greg Kaplan spoke to Pensions & Investments about the latest trends in retirement plans. (102 words) - [First CAA Gag Clause Attestation Due By End of 2023](/content/blog/first-caa-gag-clause-attestation-due-by-end-of-2023.html): This post reviews the CAA gag clause prohibition compliance attestation requirement, and when it is due. (1,180 words) - [2025 HSA Contribution Limits ](/content/blog/2025-hsa-contribution-limits/index.html): The IRS has issued its annual inflation adjustment to the HSA contribution limits for 2025. With inflation running at significantly lower levels than last year, the HSA contribution limit increases are not as unusually large as they were for 2024. (1,028 words) - [Military Reservist called to Active Duty (USERRA/Heart Act)](/content/blog/military-reservist-called-active-duty-userraheart-act-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (500 words) - [Understanding After-Tax Contributions: Key Insights, Strategies, and Considerations](/content/blog/understanding-after-tax-contributions/index.html): Understanding how to effectively use after-tax contributions and whether they suit your savings needs can boost your retirement savings goals. (1,529 words) - [401(k)ology – Plan Governance: Plan Sponsor vs. Fiduciary and Committee Roles and Responsibilities](/content/blog/401kology-plan-governance-plan-sponsor/index.html): Increasingly frequently, we are asked who has the responsibility for specific retirement plan oversight. In this blog, we will help you decipher just who is responsible for what so that an effective governance structure can be developed and maintained. (1,898 words) - [The Required Annual Notices to Employees](/content/blog/the-required-annual-notices-to-employees/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,753 words) - [SECURE 2.0 introduced several pivotal changes, including allowing employers to match student loan repayments as if they were 401(k) contributions. This innovative approach ensures that employees with student loan debt do not miss out on valuable savings.](/content/blog/bridging-the-gap-student-loans-and-retirement-savings-through-innovative-401-matching.html): Bridging the Gap: Student Loans and Retirement Savings through Innovative 401(k) Matching (769 words) - [Welcoming Newfront’s Private Equity Group Leader Ted Dobos](/content/blog/welcoming-newfront-private-equity-group-leader-ted-dobos.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (727 words) - [Elevate Your Financial Literacy by Balancing Dollar Priorities: 5 Simple Steps](/content/blog/elevate-your-financial-literacy-by-balancing-dollar-priorities.html): Newfront's Michael Forney discusses what being financially literate means and how dollar priorities can help. 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(1,163 words) - [FAST List – End of 2024](/content/blog/fast-list-end-of-2024/index.html): This post is a collection of all Compliance Friday Answers to the Service Team (FAST), which is published each week in response to a question from a client or member of our service team. (3,700 words) - [Changing the 30-Day New Hire Election Period](/content/blog/changing-the-30-day-new-hire-election-period-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (740 words) - [Four Essential Components for Manufacturing Risk-Management Programs ](/content/blog/four-essential-components-for-manufacturing-risk-management-programs.html): Phil shares share four components that every executive team should consider as they work to protect the long-term viability of their business. 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(824 words) - [2026 Newfront Go All the Way with HSA Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_go_all_the_way_with_hsa_guide-pdf.html) (16,966 words) - [Congratulations to the Newfront Brokers Chosen as 2023 Power Broker Finalists!](/content/blog/congratulations-to-the-newfront-brokers-chosen-as-2023-power-broker-finalists.html): Risk & Insurance named four Newfront brokers finalists for its 2023 commercial insurance broker awards. (786 words) - [Financial Impact of Third-Party Liability Claims](/content/blog/financial-impact-of-third-party-liability-claims/index.html): In Part 3 of our Emerging Trends: Cyber Insurance series, we explore emerging cyber threats. (476 words) - [Parametric Insurance and Captives as Modern Approaches to Strategic Real Estate Risk Management](/content/blog/parametric-insurance-and-captives-as-modern-approaches.html): Struggling to find insurance for properties in high-risk, disaster-prone areas? Discover how parametric insurance and captives can revolutionize your risk management strategy in our latest blog post, from Newfront Senior Vice President Chris James. (1,238 words) - [Crop Insurance, a Trade War, and Soybeans ](/content/blog/crop-insurance-and-tradewar/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,014 words) - [The 2025 Required Annual Benefit Notices to Employees ](/content/blog/the-2025-required-annual-benefit-notices-to-employees.html): Newfront's Brian Gilmore discusses the required annual employer notices for employees related to health and welfare plans in 2025. 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(1,575 words) - [The Double-Edged Scalpel: Artificial Intelligence in Healthcare](/content/blog/the-double-edged-scalpel-ai-in-healthcare/index.html): While artificial intelligence has been a boon for labor shortfalls in the healthcare industry, the technology still poses risk. (601 words) - [Earthquake: Lessons Learned from our Webinar](/content/blog/earthquake-lessons-learned-from-our-webinar/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (843 words) - [Significant HSA Contribution Limit Increase for 2023](/content/blog/significant-hsa-contribution-limit-increase-for-2023.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (836 words) - [Surviving Active Shooters: Lessons from our Webinar](/content/blog/surviving-active-shooters-lessons-from-our-webinar/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (731 words) - [2026 Newfront ERISA for Employers Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_erisa_for_employers_guide-pdf.html) (2,969 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2019_annual_notices-ada_wellness-pdf.html) (12 words) - [Smishing, Bot Attacks, and Bin Attacks Take Prominence](/content/blog/smishing-bot-attacks-and-bin-attacks-take-prominence.html): In Part 2 of our Emerging Trends: Cyber Insurance series, we explore different cyber threats. 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(806 words) - [D&O Renewal Questions for Private Equity Backed Companies in the Wake of COVID-19](/content/blog/do-renewal-questions-for-private-equity-backed-companies-in-the-wake-of-covid-19.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (885 words) - [Reps and Warranties Insurance Broker Selection: What Questions Should You Ask?](/content/blog/reps-and-warranties-broker-selection-questions/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (789 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_newfront_san_francisco_health_care_security_ordinance_hcso_guide-pdf.html) (12 words) - [Well Beyond Work: What Does Sustainability Mean to You?](/content/blog/well-beyond-work-what-does-sustainability-mean-to-you.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,190 words) - [Newfront Launches ERG to Amplify its Asian American Pacific Islander Community](/content/blog/newfront-launches-erg-to-amplify-its-asian-american-community.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,000 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/newfront_section_125_permitted_election_change_event_chart-pdf.html) (12 words) - [Error 404 | Page not found](/content/pages/wbn2022-07-19officehours-hsa_lp-postvideo-html.html) (12 words) - [Interview with a Former CFO: How to Implement a Portfolio Insurance Program](/content/blog/interview-with-a-former-cfo-how-to-implement-a-portfolio-insurance-program.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,102 words) - [COVID-19 Alert: Protecting your company](/content/blog/covid-19-alert-protecting-your-company/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (718 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/abd_2020_go_all_the_way_with_hsa-pdf.html) (12 words) - [COVID-19 Alert: Keeping Your Employees Safe and Aware](/content/blog/covid-19-alert-employee-safety-awareness/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (676 words) - [Major Employee Benefits Timeframe Extensions Announced for COVID-19 National Emergency](/content/blog/major-employee-benefits-timeframe-extensions-announced-for-covid-19-national-emergency.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,297 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022-20newfront-20ichra-20for-20employers-20guide-pdf.html) (12 words) - [Personal Protective Equipment Now Considered to be FSA/HRA/HSA Eligible Medical Expense](/content/blog/personal-protective-equipment-now-considered-to-be-fsa-hra-hsa-eligible-medical-expense.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (540 words) - [Insurance Brokerage Newfront Announces SOC 2, Type 2 Certification ](/content/news/insurance-brokerage-newfront-announces-soc-2-type-2-certification.html): The SOC 2, Type 2 report is a comprehensive evaluation of how an organization manages data issued by the American Institute of CPAs (AICPA) and is the highest security and data protection rating available. (386 words) - [IRS Expands Definition of Preventive Care for HDHPs](/content/blog/irs-expands-definition-of-preventive-care-for-hdhps.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (668 words) - [President Signs Bill with Free COVID-19 Testing Coverage Mandate for All Group Health Plans](/content/blog/president-signs-bill-free-covid-19-testing-coverage-mandate-all-group-health-plans.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,902 words) - [Error 404 | Page not found](/content/pages/wbn2022-03-15topdomarketclaimstrends_lp-postvideo-html.html) (12 words) - [Cal/OSHA Emergency Temporary Standard - December 2021 Update](/content/blog/cal-osha-emergency-temporary-standard-december-2021-update.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (628 words) - [New York State’s Paid Family Leave Law 2020 Updates](/content/blog/new-york-states-paid-family-leave-law-2020-updates/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (293 words) - [COVID-19 Report: Improve Employee Experience with the Right DE&I Programs](/content/blog/covid-19-report-improve-employee-experience-with-the-right-dei-programs.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (316 words) - [IPOs: The Sparkle of SPAC](/content/blog/ipos-the-sparkle-of-spac/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (954 words) - [401(k)ology - The Missed Deferral Opportunity](/content/blog/401k-ology-the-missed-deferral-opportunity/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (718 words) - [The 2022 Required Annual Notices to Employees](/content/blog/the-2022-required-annual-notices-to-employees/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,671 words) - [2020 Health FSA Limit Increased to $2,750](/content/blog/2020-health-fsa-limit-increased-to-2750/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (581 words) - [Error 404 | Page not found](/content/pages/wbn2022-05-17officehoursfringebenefitsforemployers_lp-postvideo-html.html) (12 words) - [ Founding Newfront ](/content/blog/founding-newfront-our-story/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,110 words) - [Just Getting Started](/content/blog/just-getting-started/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (908 words) - [Newfront Expands Esteemed Retirement Services Team with High Profile Hires](/content/news/newfront-expands-esteemed-retirement-services-team-with-high-profile-hires.html): Newfront is announcing the expansion of its award-winning Retirement Services group with two high profile hires. Miki Sakata joins Newfront as Retirement Plan Consultant and Zach Nelson joins as Account Executive. (453 words) - [404 | We can’t seem to find the page you were looking for. Sorry about that!](/content/blog/the-acamonthly-measurement-method/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (90 words) - [Courtney Leimkuhler Brings Expertise and DE&I Focus to Newfront’s Board](/content/blog/courtney-leimkuhler-brings-expertise-and-dei-focus-to-newfront-board.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (616 words) - [404 | We can’t seem to find the page you were looking for. Sorry about that!](/content/blog/acaemployer-mandate-and-outside-staffingfirms-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (90 words) - [404 | We can’t seem to find the page you were looking for. Sorry about that!](/content/events/www-pages-newfront-com/wbn-2023-10-17-office-hours-hipaa_lp-registration-html.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (84 words) - [404 | We can’t seem to find the page you were looking for. Sorry about that!](/content/blog/the-aca/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (84 words) - [404 | We can’t seem to find the page you were looking for. Sorry about that!](/content/blog/theaca-look-back-measurement-method/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (90 words) - [Newfront Welcomes Jennifer Wilson to Lead Expanding Cyber Practice](/content/news/newfront-welcomes-jennifer-wilson-to-lead-expanding-cyber-practice.html): The San Francisco-based brokerage builds out its strong cyber practice group. (510 words) - [Fast Recovery Act (AB257): Facing $22 Minimum Wage in California Food Service](/content/blog/fast-recovery-act-ab257-facing-22-minimum-wage/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (888 words) - [LP-Pave-Newfront-Demo](/content/go/pave-demo/index.html) (154 words) - [Case Study: Eliminating Retirement Frustrations for a Growing Healthcare Company](/content/blog/eliminating-retirement-frustrations-for-a-growing-healthcare-company.html): A healthcare company with an innovative twist on at-home testing and virtual care came to Newfront Retirement Services as a rapidly growing company in search of guidance on their 401(k) Plan. (512 words) - [Privacy Policy](/content/privacy/index.html): Newfront, a modern technology business insurance company, protects employees & your company as an employee benefits brokerage. Learn more here & request a consultation! (6,621 words) - [Boost Your Signal - Increase your Chances to Raise Fund 2](/content/blog/boost-your-signal-increase-your-chances-to-raise-fund-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,482 words) - [Case Study: Decrypting Insurance for a Crypto Fintech](/content/blog/decrypting-insurance-for-a-crypto-fintech/index.html): A global fintech company using blockchain for secure payments struggled to find adequate and affordable coverage. By partnering with Newfront, the client saved more than $236,000. (420 words) - [Case Study: Empowering HR with an AI Benefits Assistant](/content/blog/empowering-hr-with-an-ai-benefits-assistant/index.html): Newfront's AI-powered benefits assistant can save HR teams four weeks of work annually, estimates show. Read about how the solution enhances the employee experience for organizations in our latest case study. (450 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2019_annual_notices-whcra-hipaa_se-aca_ppn-pdf.html) (12 words) - [Covid Updates: COBRA Subsidies Pass House, Outbreak Period Capped at One Year](/content/blog/covid-updates-cobra-subsidies-pass-house-outbreak-period-capped-at-one-year.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,601 words) - [Countering Soaring Healthcare Costs through Reference Based Pricing](/content/blog/countering-soaring-healthcare-costs-through-reference-based-pricing.html): A construction company found itself grappling with an imposing 18% health insurance renewal. Newfront recommended a strategic move by transitioning the company from a conventional BUCA health insurance plan to a more innovative RBP model. (347 words) - [Meet Shantelle Cabir, a Newfront 2023 Construction Power Broker](/content/blog/meet-shantelle-cabir-a-newfront-2023-construction-power-broker.html): Risk & Insurance recently named Shantelle Cabir as a top commercial insurance broker - read more about her solution-driven approach. (658 words) - [Savings and Improved Coverage Amid a Challenging Real Estate Market](/content/blog/savings-and-improved-coverage-amid-a-challenging-real-estate-market.html): The owner of premier high rise luxury condominiums faced a challenging insurance market—but the Newfront team secured improved coverage at a better rate. (443 words) - [Eight Newfront Leaders Honored by Risk & Insurance as 2023 Power Brokers ](/content/news/eight-newfront-leaders-honored-by-risk-and-insurance.html): Newfront is proud to announce that eight team members have been named to the prestigious 2023 Power Broker list by Risk & Insurance. (495 words) - [2026 Newfront M&A for H&W Employee Benefits Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_m_a_for_h_w_employee_benefits_guide-pdf.html) (5,107 words) - [Health Plans Must Cover OTC Covid Tests Without Cost-Sharing](/content/blog/health-plans-must-cover-otc-covid-tests-without-cost-sharing.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,133 words) - [ACA Reporting Deadlines and Compliance Requirements in 2023](/content/blog/aca-reporting-deadlines-and-compliance-requirements-in-2023.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,292 words) - [2021 ABD EB Compliance Guides](/content/blog/2021-abd-eb-compliance-guides/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (816 words) - [2026 Newfront ICHRA Guide for Employers](/content/go/hubfs/pdfs-20-20migrated/newfront_ichra_for_employers_guide-pdf.html) (4,207 words) - [Co-Defendant Language on a Portfolio Company D&O Policy - It's Probably Just OK](/content/blog/co-defendant-language-portfolio-company-do-policy/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (906 words) - [Newfront and the San Francisco 49ers Team Up Again to Inspire the Next Generation Through Reading](/content/news/newfront-and-the-san-francisco-49ers-team-up/index.html): In October, Newfront proudly joined the 49ers for this year’s annual Read for Justice event, continuing a shared mission to empower young minds through stories of inclusion, empathy, and belonging. (645 words) - [How the 2019 ACA Affordability Increase to 9.86% Affects Employers](/content/blog/how-the-2019-aca-affordability-increase-to-9-86-affects-employers-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,985 words) - [Newfront Welcomes Industry Veteran Michael Ricksen as Executive Vice President](/content/news/newfront-welcomes-industry-veteran-michael-ricksen-as-executive-vice.html): Michael Ricksen is the latest in a series of strategic hires for the top-40 insurance broker, Newfront. (472 words) - [Ted Dobos joins Newfront as Private Equity Group Leader to Deliver Unmatched Value for Clients in M&A Transactions](/content/news/ted-dobos-joins-newfront-as-private-equity-group-leader-to-deliver-unmatched-value-for-clients-in-ma-transactions.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (313 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_newfront_erisa_for_employers_guide-pdf.html) (12 words) - [Dependent Care FSA Increase and Full COBRA Subsidies Pass Congress](/content/blog/dependent-care-fsa-increase-and-full-cobra-subsidies-pass-congress.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,685 words) - [Portfolio Insurance Programs](/content/blog/portfolio-insurance-programs/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,947 words) - [The 2023 Required Annual Notices to Employees](/content/blog/employers-must-provide-the-medicare-part-d-creditable.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,313 words) - [BenefitsPro | How Companies Are Tackling Rising Health Costs Without Losing Their Soul](/content/news/benefitspro-how-companies-are-tackling-rising-health-costs-without-losing.html): Rising costs aren’t going anywhere. Neither are growing demands. But there’s a massive opportunity here to build benefits that are smarter, more sustainable, and deeply human, writes Newfront's Emily Sugars for BenefitsPro. (112 words) - [Employer HSA Contributions during Protected Leave](/content/blog/employer-hsa-contributions-during-protected-leave-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,543 words) - [Health FSA Carryover and Grace Period Affect HSA Eligibility](/content/blog/health-fsa-carryover-grace-period-affect-hsa-eligibility-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,364 words) - [Newfront Featured at 5th Annual William Blair Insurance Technology Conference](/content/blog/newfront-featured-at-5th-annual-william-blair-insurance.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (333 words) - [Dependent Care FSA During Maternity Leave](/content/blog/dependent-care-fsa-during-maternity-leave-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,124 words) - [Change in Employment Status During the Initial Measurement Period](/content/blog/change-in-employment-status-during-the-initial-measurement-period-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,251 words) - [Open Enrollment Rights for FMLA Leaves and COBRA Participants](/content/blog/open-enrollment-rights-for-fmla-leaves-and-cobra-participants-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,950 words) - [Missing the Dependent Care FSA Run-Out period](/content/blog/missing-the-dependent-care-fsa-run-out-period-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,770 words) - [Departments Propose Regulations Permitting HRAs for Individual Policies](/content/blog/departments-propose-regulations-permitting-hras-for-individual-policies-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,564 words) - [New York to Offer Paid Family Leave in 2018; DC Law to Take Effect in 2019](/content/blog/new-york-offer-paid-family-leave-2018-dc-law-take-effect-2019-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,087 words) - [The Dependent Care FSA 55% Average Benefits Test](/content/blog/the-dependent-care-fsa-average-benefits-test/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,993 words) - [Late COBRA Election or Payment Exceptions](/content/blog/late-cobra-election-payment-exceptions-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,523 words) - [Virtual Event: Securing Your Legacy: Comprehensive Strategies with Life and LTC Insurance](/content/events/securing-your-legacy-comprehensive-strategies-with-life-and-ltc-insurance.html): Long-term care (LTC) and life insurance are two critical pieces of the legacy-building puzzle. Most of us—an estimated 70%—will experience a long-term care event at some point in our lifetime. (223 words) - [Minimizing Stress & Burnout: Simple Strategies to Recognize the Signs](/content/events/calm-minimizing-stress-and-burnout/index.html): Join Newfront and our partners at Calm for a complimentary workshop, designed for both you and your team, focused on simple strategies to ease the effects of stress. (144 words) - [Court Strikes Down Entire ACA (But Long Appeals Process to Come)](/content/blog/court-strikes-down-entire-aca-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (906 words) - [October 15 Deadline for Medicare Part D Notice of Creditable Coverage](/content/blog/october-15-deadline-for-medicare-part-d-notice-of-creditable-coverage-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,049 words) - [Insuring Life Sciences: Smart Strategies for Legal Leaders](/content/events/insuring-life-sciences-smart-strategies-for-legal-leaders.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (122 words) - [Office Hours: HIPAA Training for Employers](/content/events/office-hours-hipaa-training-for-employers/index.html): The HIPAA rules provide that HIPAA training is required for certain employees who have access to PHI of the group health plan. This one-hour session of Newfront Office Hours will satisfy your HIPAA training requirement. (317 words) - [Office Hours: The ACA Employer Mandate & ACA Reporting](/content/events/office-hours-aca-employer-mandate-aca-reporting/index.html): ACA employer mandate imposes significant potential liabilities for health plan. "A Penalty" for not offering minimum essential coverage to 95% of full-time employees (and dependents), and "B Penalty" for not providing affordable and minimum value coverage. (243 words) - [Active Shooter and Workplace Violence Preparedness](/content/events/active-shooter-and-workplace-violence-preparedness/index.html): Join Newfront's panel with representatives from DHS, San Diego Charter Schools, and McGowan. They'll discuss active shooter/workplace violence concerns and share steps to protect communities and organizations. (214 words) - [Compliance Office Hours: HIPAA Training for Employers](/content/events/hipaa-training-for-employers/index.html): The HIPAA rules provide that HIPAA training is required for certain employees who have access to PHI of the group health plan. (242 words) - [How CFOs and CPOs Collaborate: Setting and Managing Your Compensation Budget](/content/events/how-cfos-and-cpos-collaborate-setting-and-managing-your-compensation-budget.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (214 words) - [Office Hours: HIPAA Training for Employers ](/content/events/office-hours-hipaa-training-for-employers-sept-2023.html): The HIPAA rules provide that HIPAA training is required for certain employees who have access to PHI of the group health plan. This includes employees who have a plan-related need to access PHI for a self-insured health plan’s administrative functions. (238 words) - [The Missing Link: Connecting Financial Wellness to Your Employee Mental Health Strategy](/content/events/connecting-financial-wellness-to-your-employee-mental-health-strategy.html): May is Mental Health Month, and Newfront and Northstar are partnering on a virtual event focusing on the connection between finances and mental health. Join us to learn more about how best to support your employees. (233 words) - [Office Hours: Medicare for Employers](/content/events/office-hours-medicare-for-employers/index.html): Employers face several tricky issues in coordinating group health plan coverage with Medicare. (184 words) - [Office Hours: 2022 EB Year in Review - Plus What to Expect in 2023](/content/events/office-hours-2022-eb-year-in-review/index.html): This is our annual one-hour year in review covering everything you need to know about employee benefits compliance issues from 2022 and heading into 2023. (194 words) - [Summary of Benefits and Coverage (SBC): The Content and Distribution Rules for Employers](/content/events/summary-of-benefits-and-coverage-sbc-the-content-and-distribution-rules-for.html): This Newfront Office Hours session covered all the SBC compliance aspects for employers. (248 words) - [Compliance Office Hours: Employee Benefits Year in Review](/content/events/compliance-office-hours-employee-benefits-year-in-review.html): Compliance Office Hours: Employee Benefits Year in Review (127 words) - [Staying Ahead of the Curve: Cyber Coverage for Today’s Threats](/content/events/staying-ahead-of-the-curve-cyber-coverage-for-todays-threats.html): Cyber exposures are evolving faster than ever—and so is the insurance market. Is your organization ready? (161 words) - [Office Hours: Compliance Considerations for Self-Insured Plans](/content/events/41823-office-hours-self-insured-plans/index.html): This session of Newfront Office Hours covers the key additional compliance burdens under the ACA, CAA, HIPAA, and other laws that employers must address when offering a self-insured health plan. (157 words) - [Insuring Your Supply Chain & Inventory and the Benefits of Stock Throughput Coverage](/content/events/insuring-your-supply-chain-inventory-and-the-benefits.html): Consumer product companies with supply chain and inventory risks need to know that not all property insurance is created equal. (245 words) - [RxDC Reporting Considerations for Employers](/content/blog/rxdc-reporting-considerations-for-employers/index.html): This blog post covers why some medical plan insurance carriers and TPAs reach out to employers requesting a portion of the information used in the RxDC report. (2,152 words) - [Current New Jersey Leave Laws](/content/blog/current-new-jersey-leave-laws-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (791 words) - [How to Protect Yourself and Your Business During California Wildfire Season](/content/blog/how-to-protect-yourself-and-your-business-during-california-wildfire-season.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (722 words) - [Total Rewards 2: How to Evolve Your Compensation Programs as a Private Company](/content/events/total-rewards-how-to-evolve-your-compensation-programs.html): War for talent intensifies as companies face rising salaries, turnover, market volatility, inflation, and the great resignation. People Leaders adapt to retain/attract talent, as traditional compensation strategies no longer suffice. (225 words) - [Total Rewards 4: IPO Planning](/content/events/total-rewards-4-ipo-planning/index.html): In a challenging environment, companies face economic headwinds, market volatility, and a tight labor market. People Leaders are vital in retaining/attracting talent and managing rewards programs amid the great resignation. (239 words) - [Total Rewards 6: Prepping for 2023 Comp Planning](/content/events/total-rewards-6-prepping-for-2023-comp-planning/index.html): In a challenging environment, companies face economic headwinds, market volatility, and a tight labor market. People Leaders play a crucial role in retaining/attracting talent and managing rewards programs amid the great resignation. (235 words) - [2018 ACA Reporting Deadline Extended by 30 Days (Again)](/content/blog/2018-aca-reporting-deadline-extended-by-30-days-again-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (853 words) - [Meet the Experts: Market & Economy Update with Schwab](/content/events/51023-virtual-marketeconomy-update-schwab/index.html): Join Newfront and Schwab for an update and Q&A on the current economic and market landscape. Newfront's Investment Committee Lead, Ted Wilson, CFA, will be joined by Jeff Skubic, a Director in Schwab’s Institutional Investment Services. (215 words) - [401(k)ology: The Impact of Mergers and Acquisitions](/content/events/401kology-the-impact-of-mergers-and-acquisitions/index.html): 401(k) plans are directly impacted by M&A transactions of the entities that sponsor them. (149 words) - [Office Hours: COBRA for Employers](/content/events/office-hours-cobra-for-employers/index.html): COBRA requirements for group health plans are well known, but nuances can be complex. Avoiding and correcting mistakes in COBRA noncompliance is crucial due to large potential liabilities. (135 words) - [Total Rewards 3: Rethinking Total Rewards in the Midst of the Great Resignation](/content/events/total-rewards-3-rethinking-total-rewards-in-the-great-resignation.html): Companies face challenging talent and rewards strategies due to economic headwinds, market volatility, and a tight labor market. People Leaders play a crucial role in retaining/attracting talent and managing rewards programs during the great resignation. (244 words) - [Meet the Experts: Market & Economy Update with Fidelity](/content/events/meet-the-experts-market-economy-update-fidelity/index.html): Join Newfront and Fidelity for an update and Q&A on the current economic landscape. Newfront's Investment Committee Lead, Ted Wilson, CFA, will be joined by Brad Pineault, CFA, who is a Capital Markets Strategist in Fidelity's Institutional Division. (220 words) - [What Benefits Administration Means to Newfront](/content/blog/what-benefits-administration-means-to-the-abd-team/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (671 words) - [Building Resilience: Risk Management for Life Science Leaders](/content/events/building-resilience-risk-management-for-life-science-leaders.html): Top industry experts will unpack the most pressing risks facing life science leaders today—and more importantly, the strategies to stay ahead of them. (217 words) - [Total Rewards 5: Building a Modern-Day Job Architecture with a Remote Workforce](/content/events/total-rewards-5-building-a-modern-day-job-architecture.html): Challenging environment: economic headwinds, market volatility, tight labor market. People Leaders crucial for talent retention, attraction, and rewards program management amid the great resignation. (228 words) - [Compliance Office Hours: HIPAA Training for Employers](/content/events/compliance-office-hours-hipaa-training-for-employers.html): The HIPAA rules provide that HIPAA training is required for certain employees who have access to PHI of the group health plan. (240 words) - [Leveraging Podcasts for Career Growth](/content/blog/leveraging-podcasts-for-career-growth/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (568 words) - [401(k)ology: What you need to know about SECURE Act 2.0](/content/events/401kology-secure-act-2/index.html): The new retirement plan legislation known as “SECURE 2.0” is a significant improvement to the retirement savings programs currently available to millions of American workers. (206 words) - [Mind the Gap: Where AI Risk Meets Insurance Coverage](/content/events/mind-the-gap-where-ai-risk-meets-insurance-coverage.html): As AI tools move from pilot projects to core business operations, the gap between the risks companies are facing and what their insurance actually covers is growing wider every quarter. (276 words) - [Reflecting on the Abundance 360 Conference](/content/blog/reflecting-on-the-abundance-360-conference/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (843 words) - [HSA Bills Increasing Contributions and Expanding Access Pass House](/content/blog/hsa-bills-increasing-contributions-and-expanding-access-pass-house-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (871 words) - [Tricky Health Insurance Terms, Explained](/content/blog/tricky-health-insurance-terms-explained/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (639 words) - [How Portfolio Companies Can Use Trade Credit to Insure Accounts Receivable](/content/blog/insure-accounts-receivable-using-trade-credit/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (556 words) - [Women and Money: Understanding and Inspiring Financial Independence](/content/events/virtual-women-and-money-31423/index.html): Join us as we celebrate Women’s History Month and explore financial wellness for women as a component of one’s holistic wellbeing. (166 words) - [2019 Health FSA Limit Projection, New SF HCSO Amounts, and More Fall Updates](/content/blog/2019-health-fsa-limit-projection-new-sf-hcso-amounts-and-more-fall-updates.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (816 words) - [Compliance Office Hours: Employee Benefits Year in Review](/content/events/employee-benefits-year-in-review/index.html): Annual year in review covering what you need to know about employee benefits issues from 2024 and heading into 2025. (200 words) - [2019 Health FSA Limit Increased to $2,700](/content/blog/2019-health-fsa-limit-increased-to-2700/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (541 words) - [California PFL and SF PPLO Expand to Eight Weeks on July 1](/content/blog/california-pfl-and-sf-pplo-expand-eight-weeks-july-1.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (950 words) - [Compliance Office Hours: Medicare for Employers](/content/events/compliance-office-hours-medicare-for-employers/index.html): This session of Newfront Office Hours covered the Medicare issues related to group health plans that all employers should consider. (183 words) - [Compliance Office Hours: Fringe Benefits](/content/events/compliance-office-hours-fringe-benefits/index.html): This session of Newfront Office Hours covers how employers should address the various compliance issues associated with these trending fringe benefit offerings (191 words) - [Compliance Office Hours: Employee Benefits Year in Review](/content/events/coh-employee-benefits-year-in-review/index.html): Our annual one-hour year in review covering what you need to know about employee benefits issues from 2025 and heading into 2026. (203 words) - [Your Company's Next New Year's Resolution: Financial Wellness](/content/blog/your-companys-next-new-years-resolution-financial-wellness.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (700 words) - [Compliance Office Hours ERISA for Employers: An Overview of Employee Benefits' Overarching Legal Framework](/content/events/erisa-for-employers-an-overview-of-ebs-overarching-legal-framework.html): Address the key ERISA issues for employers to keep in mind in the day-to-day maintenance of employee benefit plans. (187 words) - [Innovative Compensation Plans to Retain Key Executives](/content/blog/innovative-compensation-plans-to-retain-key-executives.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (563 words) - [Veterans Day Special: HSA Considerations for Veterans During Open Enrollment](/content/blog/veterans-day-special-hsa-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (593 words) - [Compliance Office Hours: Section 125 Cafeteria Plans](/content/events/compliance-office-hours-section-125-cafeteria-plans.html): Section 125 cafeteria plans provide the gateway to employee pre-tax contributions for health and welfare plan benefits and FSAs. (221 words) - [Increased PCORI Fee Due July 31 via IRS Form 720](/content/blog/increased-pcori-fee-due-july-31/index.html): Newfront breaks down all you need to know about the recently-released IRS notice providing the adjusted PCORI fee per covered individual for health plan years ending on or after Oct. 1, 2022 and before Oct. 1, 2023. (2,112 words) - [ABD Accelerate: Certified Marine Insurance Professional Program](/content/blog/abd-accelerate-certified-marine-insurance-professional-program.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (407 words) - [IRS Releases 2019 Inflation Adjusted Amounts for HSAs](/content/blog/irs-releases-2019-inflation-adjusted-amounts-for-hsas-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (413 words) - [New Jersey is the First State to Require Pre-Tax Commuter Benefits](/content/blog/new-jersey-require-pre-tax-commuter-benefits-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (442 words) - [Newfrontiers Bay Area Summer Spotlight](/content/events/newfrontiers-bay-area-summer-spotlight/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (189 words) - [Becoming an ALE Subject to the ACA Employer Mandate](/content/blog/becoming-an-ale-subject-to-the-aca-employer-mandate-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (600 words) - [What The Life Science Industry Should Know About The Opioid Crisis](/content/blog/life-science-and-opioid-crisis/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (436 words) - [Employers Should Not Reimburse Medical Expenses Outside of the Plan](/content/blog/employers-should-not-reimburse-medical-expenses-outside-of-the-plan-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,052 words) - [Compliance Office Hours: Compliance Considerations for Self-Insured Plans](/content/events/compliance-office-hours-compliance-considerations-for-self-insured-plans.html): This session of Newfront Office Hours covers the key compliance items employers need to be aware of when offering a self-insured health plan. (174 words) - [Waiting Period Exceptions](/content/blog/waiting-period-exceptions-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,000 words) - [Reflecting on the 2008 Financial Crisis + Proactive Solutions for the Future](/content/blog/2008-financial-crisis-aftermath-future-solutions/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (469 words) - [Hurricane Florence Tips and Resources](/content/blog/hurricane-florence-tips-and-resources-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (591 words) - [It's Time for REITs to Consider Reps & Warranties Insurance](/content/blog/its-time-for-reits-to-consider-reps-warranties-insurance.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,034 words) - [Massachusetts PFML Improvements for 2023](/content/blog/massachusetts-pfml-improvements-for-2023/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (905 words) - [What's a BOP?](/content/blog/whats-a-bop/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (267 words) - [How a D&O Insurance Policy Advances Defense Costs in a Bankruptcy](/content/blog/how-a-do-insurance-policy-advances-defense-costs-in-a-bankruptcy.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,107 words) - [2019 Updates to Paid Family Leave](/content/blog/2019-updates-to-paid-family-leave-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (291 words) - [What is Business Interruption Coverage?](/content/blog/business-interruption-coverage/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (396 words) - [What's Commercial Property Insurance?](/content/blog/what-is-commercial-property-insurance/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (351 words) - [SFO to MEL: Insurance Around the World](/content/blog/insurance-around-the-world-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (443 words) - [2018 San Francisco HCSO Annual Reporting Form Released with an April 30 Filing Deadline](/content/blog/2018-san-francisco-hcso-annual-reporting-form-released-with-an-april-30-filing-deadline.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (660 words) - [Error 404 | Page not found](/content/pages/wbn2022-11-08officehourstheacaemployermandateacareporting_lp-postvideo-html.html) (12 words) - [San Francisco HCSO Annual Reporting Requirement Back in Effect](/content/blog/san-francisco-hcso-annual-reporting-requirement-back.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (730 words) - [How the CARES Act Affects Employee Benefits](/content/blog/how-the-cares-act-affects-employee-benefits/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,570 words) - [4 Tips When Selecting Your Broker](/content/blog/4-tips-when-selecting-your-broker-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (356 words) - [Error 404 | Page not found](/content/pages/wbn2022-08-16officehourssection125cafeteriaplans_lp-postvideo-html.html) (12 words) - [HCSO Employer Annual Reporting Form Due May 1](/content/blog/hcso-employer-annual-reporting-form-due-may-1/index.html): Newfront's Karen Hooper covers the Health Care Security Ordinance Employer Annual Reporting Form due date and related topics. (950 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_newfront_health_benefits_for_domestic_partners_guide-pdf.html) (12 words) - [Significant HSA Contribution Limit Increase for 2024](/content/blog/significant-hsa-contribution-limit-increase-for-2024.html): The IRS has issued its annual inflation adjustment to the HSA contribution limits for calendar year 2024, and Newfront covers what you need to know about the second consecutive year of unusually large increases. 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(292 words) - [Massachusetts Paid Family & Medical Leave Notice Requirements](/content/blog/massachusetts-paid-family-medical-leave-notice-requirements-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (359 words) - [Error 404 | Page not found](/content/pages/wbn2022-02-15officehourserisaforemployers_lp-postvideo-html.html) (12 words) - [New Jersey Adopts Individual Health Insurance Mandate](/content/blog/new-jersey-adopts-individual-health-insurance-mandate-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (421 words) - [404 | We can’t seem to find the page you were looking for. 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(687 words) - [April's San Francisco HCSO Reporting for 2019 Cancelled](/content/blog/aprils-san-francisco-hcso-reporting-for-2019-cancelled.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (599 words) - [California SDI Payroll Tax Cap Eliminated in 2024](/content/blog/california-sdi-payroll-tax-cap-eliminated-in-2024/index.html): Governor Newsom signed into law SB 951 in September 2022, resulting in significant changes to California’s State Disability Insurance (SDI) program, which includes Paid Family Leave (PFL) benefits. (1,020 words) - [Wrapping Up Pride Proud](/content/blog/wrapping-up-pride-proud/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. 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(2,756 words) - [Behavioral Biases and Finance: How our attitude toward finances can impact our overall financial wellbeing](/content/blog/behavioral-biases-and-finance-part-1/index.html): In honor of Financial Literacy Month, Newfront's Michael Forney covers a topic that is critical to managing our finances: attitude – particularly, self-control bias. (673 words) - [New York PFL Improvements for 2023](/content/blog/new-york-pfl-improvements-for-2023/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. 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(1,638 words) - [Passive Enrollments with Rolling Elections](/content/blog/passive-enrollments-with-rolling-elections/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,316 words) - [ICHRA Top Three Changes Needed for Prime Time](/content/blog/ichra-top-three-changes-needed-for-prime-time/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,048 words) - [RxDC Reporting Considerations for Employers in 2025](/content/blog/rxdc-reporting-considerations-for-employers-in-2025.html): Newfront's Brian Gilmore explores are the main data elements employers need to be aware of in the RxDC reporting, and how employers should coordinate with service providers to complete it. 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(1,224 words) - [Self-funding: The myths, the facts, and why your organization should consider it](/content/blog/self-funding-myths-facts-and-why-your-organization-should-consider.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (720 words) - [HSA Catch-Up Contributions](/content/blog/hsa-catch-up-contributions/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,017 words) - [The HSA Eligibility Requirements: Part II](/content/blog/the-hsa-eligibility-requirements-part-2/index.html): Newfront's Brian Gilmore explains the requirements for an individual to be HSA-eligible. Part 2. 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(1,451 words) - [HSA Establishment Date](/content/blog/hsa-establishment-date/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,069 words) - [2026 Newfront Medicare for Employers Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_medicare_for_employers_guide-pdf.html) (597 words) - [HDHP Preventive Care Expanded to More Contraceptives](/content/blog/hdhp-preventive-care-expanded-to-more-contraceptives.html): Newfront's Brian Gilmore explains the new preventive expenses that HDHPs can provide with first-dollar coverage without affecting participants’ HSA eligibility. (1,808 words) - [The HIPAA Authorization Requirements](/content/blog/the-hipaa-authorization-requirements/index.html): Newfront's Brian Gilmore explains when a HIPAA authorization is needed from an employee or dependent, and what the required content of the authorization is. 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(632 words) - [2026 Newfront San Francisco Heatlh Care Security Ordinance (HCSO) Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_san_francisco_health_care_security_ordiance_hcso_guide-pdf.html) (1,320 words) - [Potential Employee Benefits Changes in Second Trump Term](/content/blog/potential-eb-changes-in-second-trump-term/index.html): Newfront's Brian Gilmore explores the potential legislative and regulatory changes related to employee benefits that the incoming administration may pursue. (1,527 words) - [Congress Delivers HSA and ACA Stocking Stuffers](/content/blog/congress-delivers-hsa-and-aca-stocking-stuffers/index.html): Newfront's Brian Gilmore explains the employee benefits-related items in the year-end round of legislation. 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(954 words) - [The 2025 San Francisco HCSO Expenditure Rates](/content/blog/the-2025-san-francisco-hcso-expenditure-rates/index.html): The San Francisco Office of Labor Standards Enforcement (OLSE) has released the 2025 Health Care Security Ordinance (HCSO) required employer health care expenditure rates for employees working in San Francisco. (1,394 words) - [Newfront and Pave Announce Strategic Partnership to Simplify Employee Benefits and Compensation Management](/content/news/newfront-and-pave-announce-strategic-partnership/index.html): Newfront, the tech-driven insurance brokerage firm, and Pave, the leading end-to-end compensation benchmarking and management platform, today announced a strategic partnership to redefine how companies approach employee benefits and compensation. (390 words) - [HSA Distributions for Premium Expenses](/content/blog/hsa-distributions-for-premium-expenses/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (958 words) - [2025 Newfront EB Compliance Guides](/content/blog/2025-newfront-eb-compliance-guides/index.html): Enjoy these compliance guides covering common employee benefits issues and strategies for employers! (1,208 words) - [SF HCSO City Option Contributions](/content/blog/sf-hcso-city-option-contributions/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. 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(613 words) - [What Happens to an HSA upon Death](/content/blog/what-happens-to-an-hsa-upon-death/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,069 words) - [Retirement Services - Disclosures](/content/retirement-services/disclosures/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (340 words) - [401(k)ology – Flavors of Automatic Enrollment](/content/blog/401kology-flavors-of-automatic-enrollment/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,283 words) - [pages/rs/209-oqw-293/images/newfront_aca_employer_mandate_and_aca_reporting_guide-pdf.html](/content/pages/rs/209-oqw-293/images/newfront_aca_employer_mandate_and_aca_reporting_guide-pdf.html) (11,564 words) - [HSA Mistaken Contributions](/content/blog/hsa-mistaken-contributions/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (947 words) - [Disclosing PHI to Family Members Under HIPAA](/content/blog/disclosing-phi-to-family-members-under-hipaa/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (924 words) - [The ERISA Voluntary Plan Safe Harbor](/content/blog/the-erisa-voluntary-plan-safe-harbor/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,118 words) - [California Governor Signs New IVF Insurance Mandate](/content/blog/california-governor-signs-new-ivf-insurance-mandate.html): Newfront's Paul Martinez and Brian Gilmore break down what the new IVF insurance mandate means for employers in California. (1,449 words) - [Terms of Use - Newfront ](/content/terms/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,041 words) - [The HSA Distribution Rules: Part II ](/content/blog/the-hsa-distribution-rules-part-ii/index.html): Newfront's Brian Gilmore covers the HSA distribution rules - Part 2. (2,603 words) - [California SDI Benefits Increase in 2025](/content/blog/california-sdi-benefits-increase-in-2025/index.html): Newfront’s Karen Hooper discusses the new changes to California State Disability Insurance (SDI) and Paid Family Leave (PFL) for 2025. (1,177 words) - [ACA and HIPAA Excepted Benefits](/content/blog/aca-and-hipaa-excepted-benefits/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,202 words) - [Compliance Considerations for Employer Reimbursement of Abortion-Related Expenses](/content/blog/compliance-considerations-for-employer-reimbursement.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (937 words) - [2025 Health FSA Limit Increases to $3,300 ](/content/blog/2025-health-fsa-limit-increases-to-3300/index.html): The IRS has released Revenue Procedure 2024-40 confirming that for plan years beginning on or after January 1, 2025, the health FSA salary reduction contribution limit increases to $3,300. 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The Ultimate Guide to PEOs—and When it’s Time to Exit](/content/blog/the-ultimate-guide-to-peos-and-when-its-time-to-exit.html): More than 15% of all small employers use a professional employer organization (PEO) to outsource their HR and finance needs. Newfront provides guidance on PEOs, including what they are, when it makes sense to use one, and why (and how) you might exit one. (2,942 words) - [Trend on the Rise: Mitigating Healthcare Costs With Self-Funded Plans ](/content/blog/trend-on-the-rise-mitigating-healthcare-costs-with-self-funded-plans.html): Self-funded healthcare plans are on the rise. Newfront Vice President of Employee Benefits Jason Jurgill explains why. 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(1,261 words) - [WTW Completes Acquisition of Newfront](/content/news/wtw-completes-acquisition-of-newfront/index.html): WTW, a leading global advisory, broking and solutions company, today announced that it has completed the previously announced acquisition of Newfront, a San Francisco-based, top-40 U.S. broker combining deep specialty expertise and cutting-edge technology. (972 words) - [Error 404 | Page not found](/content/pages/le-2023-10-18-unicorn-bootcamp_lp-rsvp-html.html) (12 words) - [Case Study: Newfront Dialysis Solution Reduces Employer Spend and Improves Member Experience](/content/blog/newfront-solution-reduces-employer-spend/index.html): Newfront helped a mid-sized California company reduce dialysis costs by 8% through a targeted intervention, transitioning members to at-home dialysis for better care and cost savings. The solution prioritized patient experience and employer savings. 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Sorry about that!](/content/industries/maritime/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (84 words) - [Newfront Kicks Off Pride Month with New Emerge ERG](/content/blog/newfront-kicks-off-pride-month-with-new-emerge-erg/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (837 words) - [2025 Casualty Outlook: Exploring Market Dynamics and Emerging Risks](/content/blog/2025-casualty-outlook/index.html): The Casualty market in 2025 faces significant challenges due to escalating social inflation and an increasingly complex litigation environment driven by third-party funding. 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(469 words) - [Meet Cameron Lock, a Newfront 2023 Financial Services Power Broker](/content/blog/meet-cameron-lock-a-newfront-2023-power-broker/index.html): Risk & Insurance recently named Cameron Lock a top financial services insurance broker. Read more about his creative approach. (524 words) - [Newfront Ranks Among Highest-Scoring Businesses on Inc. Magazine’s Annual List of Best Workplaces for 2023](/content/news/newfront-ranks-on-inc-magazine-best-workplaces-2023.html): Newfront has been named to Inc. magazine’s annual Best Workplaces list, a comprehensive measurement of American companies that have excelled in creating exceptional workplaces and company culture, whether operating in a physical or a virtual facility. (567 words) - [Newfront Introduces AI-Powered Insurance Tools to Clients](/content/news/newfront-introduces-ai-powered-insurance-tools-to-clients.html): Newfront has rolled out artificial intelligence-powered solutions to select clients. 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(558 words) - [Newfront Celebrates Risk & Insurance® Power Broker® Award Winners](/content/news/newfront-celebrates-power-brokers-2025/index.html): Newfront is proud to announce that four team members have been named 2025 Power Brokers® by Risk & Insurance, a prestigious recognition honoring top professionals for their exceptional client service, expertise, and impact in their respective industries. (432 words) - [Several Newfront Leaders Honored by Risk & Insurance as 2024 Power Brokers](/content/news/six-newfront-leaders-honored-by-risk-and-insurance-as-2024-power-brokers.html): Newfront winners represented the education, employee benefits, health care, retail, and technology sectors (467 words) - [Should I Get Checked Out in My New Aircraft?](/content/blog/should-i-get-checked-out-in-my-new-aircraft/index.html): Ensure insurance coverage for your aircraft by undergoing thorough checkouts, demonstrating your competence as a pilot and guaranteeing safety in the air and on the ground. (360 words) - [Newfront Named 2023 Winner of San Francisco Business Times Corporate Pride Award](/content/news/newfront-named-2023-winner-corporate-pride-award/index.html): Newfront has been named the 2023 winner of the San Francisco Business Times’ Corporate Pride award. This honor recognizes one Bay Area-based company that consistently goes above and beyond in advancing LGBTQ+ equality in the workplace and community. (383 words) - [Why Does an Instrument Rating Make Me a Safer Pilot?](/content/blog/instrument-rating-safer-pilot/index.html): The Importance of an Instrument Rating for Pilots: Enhance Safety, Increase Insurability, and Navigate Challenging Conditions with Confidence. 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(3,731 words) - [HIPAA Special Enrollment Events](/content/blog/hipaa-special-enrollment-events-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,019 words) - [FAST List by Category (Updated Q3 2021)](/content/blog/fast-list-by-category-updated-q3-2021/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,590 words) - [Final Tax Cuts and Jobs Act Bill Passes Congress](/content/blog/final-tax-cuts-jobs-act-bill-passes-congress-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,424 words) - [ERISA Preemption of State Court Orders](/content/blog/erisa-preemption-state-court-orders-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,741 words) - [COBRA Merger and Acquisition Rules for Stock and Asset Deals](/content/blog/cobra-merger-acquisition-rules-stock-asset-deals-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,936 words) - [No FSA Contributions from Bonus Payments](/content/blog/no-fsa-contributions-bonus-payments-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. 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(1,166 words) - [IRS Issues 2021 Dependent Care FSA Increase Guidance and 2022 HSA Limits](/content/blog/irs-issues-2021-dependent-care-fsa-increase-guidance-and-2022-hsa-limits.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,234 words) - [Employee HSA Front Loading](/content/blog/employee-hsa-front-loading-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,777 words) - [July 31 PCORI Filing Deadline is Quickly Approaching](/content/blog/july-31-pcori-filing-deadline-quickly-approaching-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (978 words) - [Employer Responsibilities Upon Receipt of a NMSN](/content/blog/employer-responsibilities-upon-receipt-of-a-nmsn/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (3,199 words) - [Soon to be Ex-Spouse = Soon to be Ex-Benefits](/content/blog/soon-ex-spouse-soon-ex-benefits-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,848 words) - [New SF HCSO Waiver Form Updated November 1](/content/blog/new-sf-hcso-waiver-form-updated-november-1-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,298 words) - [2017 San Francisco HCSO Annual Reporting Form Released with an April 30 Filing Deadline](/content/blog/2017-san-francisco-hcso-annual-reporting-form-released-april-30-filing-deadline-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (611 words) - [Only HCEs Participating in the Dependent Care FSA](/content/blog/hces-participating-dependent-care-fsa-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,198 words) - [How to Approach Reductions in Force](/content/blog/how-to-approach-reductions-in-force/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,144 words) - [2018 Inflation Adjusted Amounts for Heath Savings Accounts](/content/blog/2018-inflation-adjusted-amounts-heath-savings-accounts-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (541 words) - [FSA for Special Education](/content/blog/fsa-for-special-education-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,006 words) - [COBRA Subsidies and Reimbursement](/content/blog/cobra-subsidies-reimbursement-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,439 words) - [Terminated Employees Not Terminated from Coverage](/content/blog/terminated-employees-not-terminated-coverage-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,879 words) - [Board Members and Employee Benefits](/content/blog/board-members-employee-benefits-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,666 words) - [Group-Term Life Insurance §79 Nondiscrimination Rules](/content/blog/group-term-life-insurance-c2a779-nondiscrimination-rules.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,508 words) - [ACA Pay or Play Penalty Letters Coming “Late 2017”](/content/blog/aca-pay-play-penalty-letters-coming-late-2017-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,279 words) - [Trends in Work Related Injuries and Illnesses](/content/blog/trends-in-work-related-injuries-and-illnesses-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (849 words) - [When to Appeal Covered California Employer Notices](/content/blog/when-to-appeal-covered-california-employer-notices-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (637 words) - [Distribution Timing Rules for SPDs and SMM](/content/blog/distribution-timing-rules-spds-smm-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,120 words) - [Compliance FAST - S Corporation Owners (more-than-2% Shareholders)](/content/blog/compliance-fast-s-corporation-owners-2-shareholders-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,706 words) - [2018 HSA Family Contribution Limit Reduced to $6,850](/content/blog/2018-hsa-family-contribution-limit-reduced-6850-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (337 words) - [ERISA Electronic Disclosure Rules](/content/blog/erisa-electronic-disclosure-rules-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,489 words) - [2018 Health FSA Limit Projection, New SF HCSO Amounts, and Revised Contraception Rules](/content/blog/2018-health-fsa-limit-projection-new-sf-hcso-amounts-revised-contraception-rules-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,132 words) - [Measuring Hours and Offers of Coverage](/content/blog/measuring-hours-offers-coverage-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,829 words) - [Medicare Considerations for Retiring Employees](/content/blog/medicare-considerations-retiring-employees-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (764 words) - [Using Technology to Make Compliance Easier](/content/blog/using-tech-for-easier-compliance-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (554 words) - [Health FSA and Dependent Care FSA for Parents](/content/blog/health-fsa-dependent-care-fsa-for-parents-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (915 words) - [Massachusetts Set to Implement Paid Family & Medical Leave](/content/blog/massachusetts-paid-family-medical-leave/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (540 words) - [Cadillac Tax Delayed to 2022 in Budget Deal](/content/blog/cadillac-tax-delayed-2022-budget-deal-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (790 words) - [Navigating Romance in the Workplace](/content/blog/navigating-romance-in-the-workplace/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (652 words) - [D&O Development: U.S. Supreme Court Confirms State Courts Jurisdiction Over 1933 Act Claims](/content/blog/do-development-u-s-supreme-court-confirms-state-courts-jurisdiction-over-1933-act-claims-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (582 words) - [Our Strategy for Effective Benefit Planning](/content/blog/our-strategy-for-effective-benefit-planning/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (541 words) - [Washington DC set to Implement Paid Family Leave](/content/blog/washington-dc-set-to-implement-paid-family-leave/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (422 words) - [Senate ACA Repeal and Replace Bill Fails](/content/blog/senate-aca-repeal-replace-bill-fails-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (942 words) - [Tax Cuts and Jobs Act Passes Senate](/content/blog/tax-cuts-and-jobs-act-passes-senate/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (636 words) - [Oregon Passes Generous Paid Family and Medical Leave Act to Provide 12 Weeks Paid Leave Effective January 1, 2023](/content/blog/oregon-passes-generous-paid-family-and-medical-leave-act-12-weeks-paid-leave-effective-january-1-2023.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,189 words) - [Podcast: What's Next for Association Health Plans?](/content/blog/whats-next-for-association-health-plans-podcast/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (280 words) - [Taking Stock of Trading Stock and Trends in Private Companies](/content/blog/taking-stock-trading-stock-trends-private-companies.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (558 words) - [Medicare and Group Health Plans](/content/blog/medicare-group-health-plans-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,038 words) - [In the Event of a Divorce, Terminate the Ex-Spouse](/content/blog/event-divorce-terminate-ex-spouse-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,018 words) - [Nondiscrimination Rules for Different Health Plan Contribution Structures](/content/blog/nondiscrimination-rules-for-different-health-plan-contribution-structures-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,542 words) - [Benefit Administration Issue Causes New Hire to Miss Enrollment Deadline](/content/blog/benefit-administration-issue-causes-new-hire-to-miss-enrollment-deadline-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,618 words) - [Final Paycheck Issues](/content/blog/final-paycheck-issues-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,927 words) - [Hawaii Health Plan Requirements for Employers](/content/blog/hawaii-health-plan-requirements-for-employers-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,454 words) - [Helping You Navigate the California Wildfires: Safety and Recovery](/content/blog/helping-navigate-california-wildfires-safety-recovery.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (465 words) - [Protecting Against Cybersecurity Threats in the Life Sciences Sector](/content/blog/protecting-cybersecurity-threats-life-sciences-sector-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (561 words) - [Disaster Preparedness: A friendly reminder from the Claims Guy's desk](/content/blog/disaster-preparedness-friendly-reminder-claims-guys-desk.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (984 words) - [Health FSA Eligibility Footprint Rule](/content/blog/health-fsa-eligibility-footprint-rule-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (805 words) - [P&C carriers forecast rate increases](/content/blog/pc-carriers-forecast-rate-increases-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (397 words) - [HSA Nondiscrimination Rules](/content/blog/hsa-nondiscrimination-rules-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,018 words) - [Health FSA Salary Reduction Contribution Limit](/content/blog/health-fsa-salary-reduction-contribution-limit-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (812 words) - [Combined Dependent Care FSA Contributions in Excess of $5000](/content/blog/combined-dependent-care-fsa-contributions-excess-5000-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (723 words) - [Setting Up a HRA to Cover Infertility Treatment](/content/blog/setting-hra-cover-infertility-treatment-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (963 words) - [Terminating Health Benefits for Employees on Disability Leave](/content/blog/terminating-benefits-disability-leave-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,214 words) - [Automatic Enrollment into Medical Plan](/content/blog/automatic-enrollment-medical-plan-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,427 words) - [FCA Changes at the SEC, and Impact to Ds&Os](/content/blog/fca-changes-sec-impact-dsos-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (592 words) - [Trump and Lieutenants, Their Impact to Directors and Officers](/content/blog/trump-and-lieutenants-their-impact-to-directors-and-officers-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (525 words) - [Health Benefits by Class](/content/blog/designing-health-plans-with-different-strategies/index.html): Designing health plans with different strategies for certain classes of employees, (3,308 words) - [Mid-Year Contribution Changes to the Employee Share of the Premium](/content/blog/mid-year-contribution-changes-employee-share-premium-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,106 words) - [The Section 125 Safe Harbor from Constructive Receipt](/content/blog/the-section-125-safe-harbor-from-constructive-receipt.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,684 words) - [Leave Rules Under the ACA Look-Back Measurement Method](/content/blog/leave-rules-under-the-aca-look-back-measurement-method-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,054 words) - [Bicycle Commuting Expense Reimbursement](/content/blog/bicycle-commuting-expense-reimbursement-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (672 words) - [HSA Contribution Timing Requirements](/content/blog/hsa-contribution-timing-requirements-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (591 words) - [Initial COBRA Notices](/content/blog/initial-cobra-notices-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (791 words) - [Health FSA Reimbursements after Termination of Employment](/content/blog/health-fsa-reimbursements-termination-employment-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,832 words) - [Bona Fide Orientation Periods](/content/blog/bona-fide-orientation-periods-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (953 words) - [Bay Area Commuter Benefits Program](/content/blog/bay-area-commuter-benefits-program-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (870 words) - [Enrollment in Group Health Plan after COBRA Subsidy Ends](/content/blog/enrollment-group-health-plan-cobra-subsidy-ends-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (473 words) - [Post Open Enrollment Election Changes](/content/blog/post-open-enrollment-election-changes-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (583 words) - [Legal Separation vs. Divorce](/content/blog/legal-separation-vs-divorce-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (966 words) - [Fire, Wind and Water - Now What and At What Premium Cost?](/content/blog/fire-wind-and-water-now-what-and-at-what-premium-cost-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (381 words) - [COBRA Disability Extension](/content/blog/cobra-disability-extension-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,141 words) - [New York City and New Jersey Paid Sick Leave Updates](/content/blog/new-york-city-and-new-jersey-paid-sick-leave-updates-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (985 words) - [Most EAPs Are Group Health Plans Subject to COBRA](/content/blog/most-eaps-are-group-health-plans-subject-to-cobra/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,949 words) - [2017 ACA Reporting Deadline Extended by 30 Days](/content/blog/2017-aca-reporting-deadline-extended-30-days-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (686 words) - [Dependent Care FSA for Part-time Work](/content/blog/dependent-care-fsa-part-time-work-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (550 words) - [Conditional Offer of Coverage for Spouses](/content/blog/conditional-offer-coverage-spouses-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (746 words) - [Dependent Care Spend Down Provision](/content/blog/dependent-care-spend-provision-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (840 words) - [Excess HSA Contributions](/content/blog/excess-hsa-contributions-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,019 words) - [Prior-Year Employer HSA Contribution by Tax Deadline](/content/blog/prior-year-employer-hsa-contribution-by-tax-deadline-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (764 words) - [Covid Emergency Periods to End May 11](/content/blog/covid-emergency-periods-to-end-may-11/index.html): The Covid pandemic emergency periods are finally coming to a close, and with their end comes the conclusion of these key group health plan provisions that have been a staple since the world changed so dramatically in March 2020. (2,516 words) - [The 2024 Required Annual Notices to Employees](/content/blog/the-2024-required-annual-notices-to-employees/index.html): Compliance notice: 2024 required annual notices to employees (2,255 words) - [HSA Eligibility and New State Male Contraception Mandates](/content/blog/1063-2-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (638 words) - [Failing the Dependent Care 55% Average Benefit Test](/content/blog/failing-dependent-care-55-average-benefit-test-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (581 words) - [Substantiation of Mid-Year Section Permitted Election Changes](/content/blog/substantiation-mid-year-section-permitted-election-changes-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (581 words) - [HSA Interaction with Health FSA](/content/blog/hsa-interaction-health-fsa-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,293 words) - [Mistaken Enrollment in the Dependent Care FSA](/content/blog/mistaken-enrollment-dependent-care-fsa-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,550 words) - [ERISA Record Retention](/content/blog/erisa-record-retention-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (434 words) - [Allowing Election Changes After Open Enrollment](/content/blog/allowing-election-changes-after-open-enrollment-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,209 words) - [Uber and Lyft Qualification for Commuter](/content/blog/uber-lyft-qualification-commuter-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (499 words) - [ACA Pay or Play Applicability to Independent Contractors](/content/blog/aca-pay-play-applicability-independent-contractors-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (358 words) - [Documenting Prior Coverage after HIPAA Certs](/content/blog/documenting-prior-coverage-after-hipaa-certs-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,107 words) - [The ACA Monthly Measurement Method](/content/blog/the-aca-monthly-measurement-method/index.html): Newfront's Brian Gilmore discusses the monthly measurement method for determining employees' full-time status under the ACA employer mandate. (3,008 words) - [Section 125 Cafeteria Plan Document Effective Date](/content/blog/section-125-cafeteria-plan-document-effective-date-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (813 words) - [Streamlined ACA Reporting Methods](/content/blog/streamlined-aca-reporting-methods-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,689 words) - [Limited Purpose Health FSA Preventive Expenses](/content/blog/limited-purpose-health-fsa-preventive-expenses-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (599 words) - [2018 HSA Family Contribution Limit Increased Back to $6,900](/content/blog/2018-hsa-family-contribution-limit-increased-back-to-6900-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (564 words) - [Tuition Reimbursement Programs](/content/blog/tuition-reimbursement-programs-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (485 words) - [Addressing Employee Health Plan Exception Requests: Part VII](/content/blog/addressing-employee-health-plan-exception-requests-part-vii.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,706 words) - [Independent Contractors and Employee Benefits](/content/blog/independent-contractors-and-employee-benefits-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,748 words) - [De-Identified HIPAA PHI](/content/blog/de-identified-hipaa-phi/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,504 words) - [Form 5500 Small Plan Exemption](/content/blog/form-5500-small-plan-exemption-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,020 words) - [HSAs for Veterans](/content/blog/hsas-for-veterans-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (928 words) - [Addressing Employee Health Plan Exception Requests: Part VIII](/content/blog/addressing-employee-health-plan-exception-requests-part-viii.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,110 words) - [MLR Rebates](/content/blog/mlr-rebates-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (769 words) - [Tax Consequences of Domestic Partner Health Coverage](/content/blog/tax-consequences-of-domestic-partner-health-coverage-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (467 words) - [Employee Fails to Establish HSA](/content/blog/employee-fails-to-establish-hsa-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (954 words) - [HSA Limit for Partial-Year Family Coverage](/content/blog/hsa-limit-for-partial-year-family-coverage-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (423 words) - [Health FSA Claim Substantiation](/content/blog/health-fsa-claim-substantiation/index.html): Newfront's Brian Gilmore addresses the health FSA claim substantiation requirements. (3,077 words) - [Failure to Timely Provide COBRA Election Notice](/content/blog/failure-to-timely-provide-cobra-election-notice-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,679 words) - [Making Mid-Year Exceptions](/content/blog/making-mid-year-exceptions-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,356 words) - [ACA Reporting Deadlines and Compliance Requirements in 2024](/content/blog/aca-reporting-deadlines-and-compliance-requirements-in-2024.html): Newfront's Brian Gilmore covers what the ACA reporting deadlines and requirements at the beginning of 2024 to report on the 2023 calendar year are. (3,235 words) - [How ACA Affects Flex Credits](/content/blog/how-aca-affects-flex-credits-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,845 words) - [Opt-Out Credits for Temps/Interns](/content/blog/opt-credits-temps-interns-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,488 words) - [National Medical Support Orders](/content/blog/national-medical-support-orders-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,027 words) - [Health FSA $500 Carryover Conditioned on New Plan Year Election](/content/blog/health-fsa-500-carryover-conditioned-on-new-plan-year-election-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (920 words) - [ACA Status for New Full-Time Hires in the Gap Period](/content/blog/aca-status-for-new-full-time-hires-in-the-gap-period-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,643 words) - [Addressing Employee Health Plan Exception Requests: Part X](/content/blog/addressing-employee-health-plan-exception-requests-part-x.html): Reviewing the main employer considerations when responding to requests to make a late COBRA election or payment exception. (2,007 words) - [HSA Last-Month Rule](/content/blog/hsa-last-month-rule-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (775 words) - [Spouse Relocates Outside of the U.S., or Moves to the U.S.](/content/blog/spouse-relocates-outside-u-s-moves-u-s-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,168 words) - [California and New Jersey HSA State Income Tax](/content/blog/california-and-new-jersey-hsa-state-income-tax-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,590 words) - [HIPAA Privacy and Private Workspaces](/content/blog/hipaa-privacy-and-private-workspaces-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,559 words) - [The Combination Health FSA](/content/blog/the-combination-health-fsa/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,842 words) - [The FSA/HRA/HSA Double Dipping Prohibition and OTC Covid-19 Tests](/content/blog/the-fsa-hra-hsa-double-dipping-prohibition-and-otc-covid-19-tests.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,284 words) - [Taxation of Disability Benefits](/content/blog/taxation-of-disability-benefits/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,179 words) - [When is a HIPAA BAA Required?](/content/blog/when-is-a-hipaa-baa-required-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,218 words) - [Medical Coverage for Summer Interns](/content/blog/medical-coverage-summer-interns-2-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,095 words) - [Cafeteria Plan Nondiscrimination Tests](/content/blog/cafeteria-plan-nondiscrimination-tests/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (573 words) - [The CAA Mental Health Parity Comparative Analysis Requirement](/content/blog/the-caa-mental-health-parity-comparative-analysis-requirement.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,953 words) - [Commuter Benefits upon Termination of Employment](/content/blog/commuter-benefits-upon-termination-employment-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (938 words) - [Monthly Commuter Benefit Election Changes](/content/blog/monthly-commuter-benefit-election-changes-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,304 words) - [Dependent Care FSA Limit Challenges](/content/blog/dependent-care-fsa-limit-challenges/index.html): Newfront's Brian Gilmore breaks down common issues for employers and employees caused by the $5,000 calendar year dependent care FSA limit. (3,107 words) - [Addressing Employee Health Plan Exception Requests: Part III](/content/blog/addressing-employee-health-plan-exception-requests-part-3.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,791 words) - [Which Plan Options Must be Offered Under COBRA](/content/blog/which-plan-options-must-be-offered-under-cobra-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,773 words) - [The ACA Look-Back Measurement Method](/content/blog/the-aca-look-back-measurement-method/index.html): Newfront's Brian Gilmore explains the look-back measurement method for determining employees’ full-time status under the ACA employer mandate. (3,207 words) - [Correcting Missed HSA Contributions](/content/blog/correcting-missed-hsa-contributions/index.html): Newfront's Brian Gilmore discusses how employers can correct missed HSA contributions. (3,166 words) - [Lifestyle Spending Account Compliance Considerations](/content/blog/lifestyle-spending-account-compliance-considerations.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,094 words) - [Written Requests for ERISA Documents](/content/blog/written-requests-for-erisa-documents/index.html): Newfront's Brian Gilmore explores the requirements for employers to provide ERISA documents upon receiving a written request. (3,177 words) - [American Health Care Act Fails](/content/blog/american-health-care-act-fails-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (831 words) - [Health Benefits During Protected Leave](/content/blog/health-benefits-protected-leave-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,213 words) - [CAA Surprise Billing Rules Preserve HSA Eligibility](/content/blog/caa-surprise-billing-rules-preserve-hsa-eligibility.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,571 words) - [2023 San Francisco HCSO Expenditure Rates Released](/content/blog/2023-san-francisco-hcso-expenditure-rates-released/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,240 words) - [State Paid Family Leave Law Updates](/content/blog/state-paid-family-leave-law-updates/index.html): Newfront's Karen Hooper covers updates in state family leave laws. (3,005 words) - [Eligibility of Parents for a Group Health Plan](/content/blog/eligibility-parents-group-health-plan-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (595 words) - [The Top 10 Employee Benefits Trends for 2023 (Some will surprise you!)](/content/blog/the-top-10-employee-benefits-trends-for-2023/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,948 words) - [ERISA Payroll Practice Exception for Disability Benefits](/content/blog/erisa-payroll-practice-exception-for-disability-benefits.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,642 words) - [Merger and Acquisition Rules for Health FSA](/content/blog/merger-acquisition-rules-health-fsa-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (926 words) - [Dependent Care FSA During Summer Break](/content/blog/dependent-care-fsa-during-summer-break-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,354 words) - [Massachusetts Delays Payroll Tax and Notification Requirement](/content/blog/massachusetts-delays-payroll-tax-notification-requirement-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (734 words) - [Unlimited PTO Policies and Salary Continuation](/content/blog/unlimited-pto-policies-salary-continuation-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (850 words) - [Addressing Employee Health Plan Exception Requests: Part IX](/content/blog/addressing-employee-health-plan-exception-requests-part-ix.html): Reviewing the main employer considerations when responding to employee requests to override a self-insured health plan third-party administrator's adverse benefit determination. (1,314 words) - [Overspent Health FSA Upon Termination of Employment and Life Event](/content/blog/overspent-health-fsa-upon-termination-of-employment-life-event-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,075 words) - [COBRA for Domestic Partners](/content/blog/cobra-domestic-partners-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (897 words) - [HSA Contribution Election Changes](/content/blog/hsa-contribution-election-changes-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (877 words) - [Error 404 | Page not found](/content/pages/rs/209-oqw-293/images/2022_newfront_aca_employer_mandate_and_aca_reporting_guide-pdf.html) (12 words) - [Medical and Non-Medical Lactation Expenses](/content/blog/medical-and-non-medical-lactation-expenses/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (960 words) - [Post-Age 26 Coverage for Disabled Children](/content/blog/post-age-26-coverage-for-disabled-children-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (899 words) - [Correcting Missed Cafeteria Plan Contributions](/content/blog/correcting-missed-cafeteria-plan-contributions/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,429 words) - [Taxation of Wellness Program Gift Cards](/content/blog/taxation-of-wellness-program-gift-cards/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (838 words) - [ACA Age 26 Mandate](/content/blog/aca-age-26-mandate-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (845 words) - [Severance Benefits May be Subject to ERISA](/content/blog/severance-benefits-may-be-subject-to-erisa/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,420 words) - [SF PPLO Existing Paid Parental Leave Policies](/content/blog/sf-pplo-existing-paid-parental-leave-policies/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,692 words) - [Financial Hardship Election Change Requests](/content/blog/financial-hardship-election-change-requests-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (787 words) - [ERISA Preemption of State Insurance Mandates](/content/blog/erisa-preemption-of-state-insurance-mandates-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (803 words) - [Exchange-Related Permitted Election Change Events](/content/blog/exchange-related-permitted-election-change-events/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,241 words) - [Seattle Commuter Ordinance 2020](/content/blog/seattle-commuter-ordinance-2020/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (609 words) - [Health Plan Eligibility for Legal Guardianship Children](/content/blog/health-plan-eligibility-for-legal-guardianship-children-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (698 words) - [October 15 Deadline for Medicare Part D Notice](/content/blog/october-15-deadline-for-medicare-part-d-notice/index.html): With the October 15 start of the Medicare Part D annual election period looming comes the reminder that the Part D Notice of Creditable Coverage and/or Non-Creditable Coverage is due to employees prior to that date. (1,027 words) - [COBRA 12-Month Determination Period](/content/blog/cobra-12-month-determination-period/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,377 words) - [Group-Term Life Insurance §79 Nondiscrimination Rules](/content/blog/group-term-life-insurance-79-nondiscrimination-rules.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,509 words) - [New Massachusetts Health Insurance Disclosure Form](/content/blog/new-massachusetts-health-insurance-disclosure-form-2.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (469 words) - [Newfront Hawaiian Lu’au Celebrates and Shares AANHPI Culture](/content/blog/newfront-hawaiian-luau-celebrates-and-shares-aanhpi-culture.html): Nearly 100 Newfront employees came together for a Hawaiian Lu'au to celebrate and empower the Asian American, Native Hawaiian and Pacific Islander (AANHPI) community. (1,184 words) - [Wellbeing Recommendations to Enhance Your Organizational Culture ](/content/blog/wellbeing-recommendations-to-enhance-organizational-culture.html): Organizations committed to employee wellbeing have a significant opportunity to make a difference by starting with their work environment. (837 words) - [Washington State Paid Family and Medical Leave](/content/blog/washington-state-paid-family-and-medical-leave-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (551 words) - [The Medicare Enrollment COBRA Extension](/content/blog/the-medicare-enrollment-cobra-extension/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,362 words) - [Jennifer Wilson Of Newfront On Cybersecurity Compliance in the Age of AI Threats](/content/blog/jennifer-wilson-of-newfront-on-cybersecurity-compliance-in-the-age-of-ai.html): Newfront's Jennifer Wilson was interviewed in Medium about cybersecurity and AI. (2,304 words) - [Bay Area Commuter Benefits Program Adds New Telework Option](/content/blog/bay-area-commuter-benefits-program-adds-new-telework-option.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,243 words) - [FSA Experience Gains from Forfeitures](/content/blog/fsa-experience-gains-from-forfeitures/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,270 words) - [Why the Dependent Care FSA Limit is Only $5,000](/content/blog/why-the-dependent-care-fsa-limit-is-only-5000/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (914 words) - [2024 SF HCSO Expenditure Rates Released](/content/blog/2024-sf-hcso-expenditure-rates-released/index.html): The San Francisco Office of Labor Standards Enforcement (OLSE) has released the 2024 Health Care Security Ordinance (HCSO) (1,146 words) - [401(k)ology – Highly Compensated Employees](/content/blog/401kology-highly-compensated-employees/index.html): The determination of who is considered a Highly Compensated Employee is one of the most important factors in maintaining 401(k) plan compliance. Newfront’s Joni Jennings covers how to make correct HCE determinations in this blog post. (1,988 words) - [J&J Case Practical Considerations: The ERISA Trust Rules for Health Plans (Part 2)](/content/blog/j-and-j-case-practical-considerations-the-erisa-trust-rules-for-health-plans-part-2.html): Newfront's Brian Gilmore explores why employer-sponsored health plans are not typically funded by a trust, and how the J&J class action lawsuit could turn on this issue. (Part 2) (2,695 words) - [Well Beyond Work: Building empathy into the workers' compensation claims system](/content/blog/well-beyond-work-building-empathy-into-the-workers-compensation-claims.html): Newfront's Robin Hendrickson discusses shifting the conversation around Workers’ Compensation claims to provide workers with a more positive experience. (1,113 words) - [The Medicare CMS GHP Demand Letter](/content/blog/the-medicare-cms-ghp-demand-letter/index.html): Newfront's Brian Gilmore explains how employers should address a CMS GHP Demand Letter. (2,550 words) - [401(k) Tips and Tricks: Savings Rate](/content/blog/401-k-tips-and-tricks-savings-rate/index.html): Newfront's Michael Forney addresses the common topic of how much to save into your 401(k). (819 words) - [ Electronic Distribution of ERISA Documents to Employees](/content/blog/electronic-distribution-of-erisa-documents-to-employees.html): Newfront’s Brian Gilmore covers the requirements for employers using a website, intranet, benefits portal, or other online/electronic method to provide ERISA health and welfare documents. (3,482 words) - [pages/rs/209-oqw-293/images/newfront_erisa_for_employers_guide-pdf.html](/content/pages/rs/209-oqw-293/images/newfront_erisa_for_employers_guide-pdf.html) (902 words) - [When to Distribute an Updated Wrap SPD](/content/blog/when-to-distribute-an-updated-wrap-spd/index.html): Newfront's Brian Gilmore discusses when employers need to distribute an updated wrap summary plan description (SPD) or updated carrier documents for their health and welfare plan. (2,933 words) - [The Ultra Low 2024 ACA Affordability Percentage](/content/blog/the-ultra-low-2024-aca-affordability-percentage/index.html): The IRS has announced that the ACA affordability percentage used to determine compliance with the employer mandate will significantly decrease in 2024. (728 words) - [FAST List - Spring 2023](/content/blog/fast-list-spring-2023/index.html): This post is a collection of all Compliance Friday Answers to the Service Team (FAST), which is published each week in response to a question that the from a client or member of our service team. These represent the most frequently asked or interesting qu… (297 words) - [Year-End EB Compliance Items to Address](/content/blog/year-end-eb-compliance-items-to-address/index.html): Newfront's Karen Hooper covers the year-end compliance action items you might be missing as we near the start of 2024. (1,939 words) - [Planadviser: AI meets retirement - how Newfront is mining 5500s, leveraging chatbots](/content/blog/planadviser-ai-meets-retirement-how-newfront-is-mining-5500s-leveraging.html): Planadviser's Alex Ortolani interviews Greg Kaplan, Newfront Retirement Services Practice Leader. (753 words) - [Guest Post: How to Prepare for the New California Pay Transparency Law](/content/blog/how-to-prepare-for-the-new-california-pay-transparency-law.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (672 words) - [Expanding the Circle of Inclusion: A Path to Better Retention](/content/blog/expanding-the-circle-of-inclusion-a-path-to-better-retention.html): Today, five generations co-exist in the workplace, with millennials and Gen Z making up two of the most racially and ethnically diverse generations in U.S. history. Here are key strategies for becoming a leader in today’s modern DE&I landscape. (1,331 words) - [COBRA Second Qualifying Event](/content/blog/cobra-second-qualifying-event/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,432 words) - [ACA Employer Mandate and Outside Staffing Firms](/content/blog/aca-employer-mandate-and-outside-staffing-firms-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,499 words) - [Giving back: Wholesale Benefits division is hiking for a cause in August](/content/blog/wholesale-benefits-division-is-hiking-for-a-cause-in-august.html): Advanced Professionals Insurance & Benefit Solutions, the wholesale benefits division of Newfront, is sponsoring and participating in the Hike-a-Thon fundraiser to support the Washington Trails Association.  (495 words) - [Dependent Care FSA Issues for Married Couples](/content/blog/dependent-care-fsa-issues-for-married-couples/index.html): Newfront Lead Benefits Counsel and Vice President Brian Gilmore addresses the main issues for married couples when considering dependent care FSA. (2,465 words) - [The Top 5 Highlights from Transform's Succession Planning Session with Paige Maisonet](/content/blog/the-top-5-highlights-from-transforms-succession-planning-session.html): Mining her own experience and observations across the industry, Maisonet offered compelling insights on how proactive succession planning can lead to better retention and engagement. (493 words) - [401(k)ology – Form 5330 Excise Taxes](/content/blog/401kology-form-5330-excise-taxes/index.html): Some plan sponsors may never need to file a Form 5330 or owe any excise taxes to the IRS as a result of a plan failure, but plan sponsors should be aware of the form and the filing requirements in case one of these issues arises. (1,217 words) - [IRA Changes Affect Notice of Creditable Coverage Considerations](/content/blog/ira-changes-affect-notice-of-creditable-coverage-considerations.html): Newfront's Brian Gilmore covers the changes to Medicare Part D imposed by the Inflation Reduction Act that employers should consider with respect to the Notice of Creditable Coverage. (2,919 words) - [COBRA High Five Part IV: Coverage During the Election and Premium Period](/content/blog/cobra-high-five-part-4-coverage-during-the-election-and-premium-period.html): What are the COBRA rules that apply to coverage before the qualified beneficiary elects COBRA and pays the required premium? (2,823 words) - [Common Summer Intern Approaches Under the ACA](/content/blog/common-summer-intern-approaches-under-the-aca-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (873 words) - [J&J Case Practical Considerations: The ERISA Trust Rules for Health Plans (Part 1)](/content/blog/j-and-j-case-practical-considerations-the-erisa-trust-rules-for-health-plans-part-1.html): Newfront's Brian Gilmore explores why employer-sponsored health plans are not typically funded by a trust, and how the J&J class action lawsuit could turn on this issue. (2,485 words) - [RxDC Reporting Considerations for Employers in 2024](/content/blog/rxdc-reporting-considerations-for-employers-in-2024.html): Newfront's Brian Gilmore covers the main data elements that employers need to be aware of in the RxDC reporting, and what is new for this reporting season. (2,578 words) - [When is HIPAA Training Required?](/content/blog/when-is-hipaa-training-required/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,529 words) - [401(k)ology – Gaps in Coverage Testing Can Sink the Ship](/content/blog/401kology-gaps-in-coverage-testing-can-sink-the-ship.html): Coverage testing ensures retirement plans include both highly and non-highly compensated employees. Sponsors must prove broad inclusion, with special rules for related employers and mergers. Is your 401(k) plan at risk? (3,484 words) - [Pharma's Almanac: In what areas of pharma/biopharma are you most excited to see increased adoption of artificial intelligence (AI) and machine learning?](/content/blog/pharmas-almanac-ai-in-pharma-biopharma/index.html): Pharma's Almanac interviewed Cristina Varner, Newfront Senior Vice President and National Life Science and Digital Health & Telemedicine Practice Leader, about AI. (272 words) - [2024 Health FSA Limit Increased to $3,200](/content/blog/2024-health-fsa-limit-increased-to-3200/index.html): The IRS has released Revenue Procedure 2023-34 confirming that for plan years beginning on or after January 1, 2024, the health FSA salary reduction contribution limit will increase to $3,200. (1,135 words) - [How the One Big Beautiful Bill Affects Employee Benefits](/content/blog/how-the-one-big-beautiful-bill-affects-employee-benefits.html): Congress passed the “One Big Beautiful Bill Act,” bringing major changes to employee benefits, including updates to HSAs, dependent care FSAs, student loan aid, and new “Trump Accounts.” (2,376 words) - [Controlled Insurance Programs: How can Completed Operations Triggers make or break a construction project’s profitability?](/content/blog/how-can-completed-operations-triggers-make-or-break-a-construction-project-profitability.html): Newfront's Adam Gabler breaks down the trigger, which plays a pivotal role in safeguarding construction projects, offering long-term protection against potential liabilities long after the project's completion. (770 words) - [The importance of billing errors and omissions insurance in healthcare: protecting against costly errors](/content/blog/the-importance-of-billing-errors-and-omissions-insurance-in-healthcare.html): In the complex landscape of healthcare billing, errors and omissions (E&O) can have significant financial and legal consequences for healthcare organizations and the individual’s providing services. (719 words) - [401(k)ology – A Primer on MEPs, PEPs and GoPs](/content/blog/401kology-a-primer-on-meps-peps-and-gops/index.html): The SECURE Act established new types of retirement plans known as Pooled Employer Plans and Defined Contribution Groups of Plans to expand retirement coverage for many Americans. Newfront's Joni Jennings provides a primer on the differences. (1,629 words) - [Correcting Mistaken HSA Distributions](/content/blog/correcting-mistaken-hsa-distributions/index.html): Newfront's Brian Gilmore discusses how employees can correct a mistaken non-medical HSA distribution to avoid income taxes and the 20% additional tax. (1,642 words) - [Newfront Survey Shows Consumers Are Open to AI Solutions for Insurance Needs](/content/blog/newfront-survey-shows-consumers-are-open-to-ai-solutions-for-insurance-needs.html): Newfront connected with 1,000 US consumers to explore their understanding, sentiment, and willingness to adopt AI into their daily lives and specifically, into their insurance decisions. (903 words) - [Furnishing Forms 1095-C to Employees Electronically](/content/blog/furnishing-forms-1095-c-to-employees-electronically.html): Newfront's Brian Gilmore addresses if employers can use electronic forms of distribution to satisfy the ACA reporting requirement for ALEs to furnish Forms 1095-C to full-time employees. (1,210 words) - [401(k)ology – Payroll Calculation Conundrums](/content/blog/401-k-ology-payroll-calculation-conundrums/index.html): This post from Joni Jennings explains how misunderstanding the 401(k) plan provisions and statutory limits leads to match calculation errors, potential plan corrections, and what payroll and HR teams need to know to prevent compliance errors. (2,836 words) - [ACA Employer Mandate and Reporting Rules When Acquiring a Non-ALE](/content/blog/aca-employer-mandate-and-reporting-rules-when-acquiring-a-non-ale.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,783 words) - [The ACA Affordability Determination in 2026](/content/blog/the-aca-affordability-determination-in-2026/index.html): Newfront's Brian Gilmore covers what steps employers need to take to ensure their coverage meets the ACA affordability standard in 2026. (3,317 words) - [HIPAA Notice of Privacy Practices](/content/blog/hipaa-notice-of-privacy-practices-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,350 words) - [How to Increase Revenue from Your Small Accounts](/content/blog/how-to-increase-revenue-from-your-small-accounts/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (628 words) - [2025 Trends in Employee Benefits—Strategies for Cost Containment, Improved Health Outcomes, and Employee Engagement](/content/blog/2025-trends-in-employee-benefits/index.html): Moving into 2025, organizations are navigating rising medical costs, changing workforce demographics, and employee demand for both meaningful and inclusive benefits. (2,131 words) - [Advanced Professionals Continues Support of American Cancer Society with Making Strides Sponsorship](/content/blog/advanced-professionals-continues-support-of-american-cancer-society-with-making-strides-sponsorship.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (539 words) - [Late Health Plan Payments on FMLA Leave](/content/blog/late-health-plan-payments-on-fmla-leave-2/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (1,103 words) - [401(k)ology – Rehired Employees: Eligibility, Vesting and Automatic Enrollment, Oh My!](/content/blog/401kology-rehired-employees-eligibility-vesting-automatic-enrollment.html): Rehired employees pose challenges for retirement plans, as treatment depends on factors like hours of service, eligibility, and vesting rules. There’s no one-size-fits-all solution, but employers should review plan provisions to ensure compliance. (2,679 words) - [A Galvanizing Force for a Growing Company's Coverage](/content/blog/a-galvanizing-force-for-a-growing-company/index.html): For a galvanizing company, Newfront created a three-step plan to significantly lower risk, leading to a 60% savings on premiums. (100 words) - [How CFOs and CPOs Collaborate: Setting and Managing Your Compensation Budget](/content/blog/event-recap-how-cfos-and-cpos-can-collaborate-on-compensation-budgets.html): A deep dive into the why, how, and when of compensation for employees and how CFOs and CPOs can collaborate. (319 words) - [2024 Newfront EB Compliance Guides](/content/blog/2024-newfront-eb-compliance-guides/index.html): Enjoy these compliance guides covering common employee benefits issues and strategies for employers. (1,108 words) - [Case Study: Driving Alignment in a Challenging de-SPAC Space](/content/blog/driving-alignment-in-a-challenging-de-spac-space/index.html): Read about the Newfront's team approach on a multi-billion-dollar valuation de-SPAC in our latest case study. (131 words) - [Imputed Income for Domestic Partner Health Coverage](/content/blog/imputed-income-for-domestic-partner-health-coverage.html): Newfront's Brian Gilmore covers why domestic partner health coverage is subject to imputed income. (2,190 words) - [How to Boost Your Insurance Agency’s Customer Experience](/content/blog/how-to-boost-your-insurance-agencys-customer-experience.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (636 words) - [International Benefit Plans Now Available in Newfront Navigator](/content/blog/international-benefit-plans-now-available-in-newfront-navigator.html): Newfront’s total rewards dashboard now consolidates international plans. (529 words) - [COBRA Subsidies and Reimbursement Part I: Avoiding Nondiscrimination Issues](/content/blog/cobra-subsidies-and-reimbursement-part-i-avoiding-nondiscrimination-issues.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,913 words) - [Newfront’s Wholesale Benefits Division is Taking Strides Against Breast Cancer ](/content/blog/newfronts-wholesale-benefits-division-is-taking-strides-against-breast-cancer.html): Newfront’s wholesale benefits division – AP Insurance & Benefit Solutions – is once again sponsoring Seattle Making Strides Against Breast Cancer.  (565 words) - [2026 Newfront Health Benefits for Domestic Partners Guide](/content/go/hubfs/pdfs-20-20migrated/newfront_health_benefits_for_domestic_partners_guide-pdf.html) (853 words) - [401(k)ology – Hardship Distributions – Tapping into Retirement Savings, a Last Resort](/content/blog/401kology-hardship-distributions/index.html): When emergencies hit, tapping into your 401(k) may seem easy, but taxes and long-term impacts can hurt! Understand the rules of hardship distributions—Newfront’s Joni Jennings explains. 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Workshop Offers Paths to Navigate Overwhelming Times](/content/blog/kids-co-workshop-offers-paths-to-navigate-overwhelming-times.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (480 words) - [Inflection Point: The Transformative Promise of AI in Insurance and Beyond](/content/blog/inflection-point-the-transformative-promise-of-ai-in-insurance-and-beyond.html): Artificial intelligence is revolutionizing the business landscape, including the insurance industry, where Newfront is taking the lead in implementing transformative AI applications to clients and prospects. 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(2,049 words) - [Commuter Benefits Overview: Part II](/content/blog/commuter-benefits-overview-part-ii/index.html): Newfront's Brian Gilmore explores the key legal restrictions for tax-advantaged commuter benefits. (1,974 words) - [Introducing Newfrontiers: An Industry-Changing Total Rewards Program](/content/blog/introducing-newfrontiers-an-industry-changing-total-rewards-program.html): The complexities of Total Rewards shouldn’t hold your company back—leverage Newfront's expertise and Newfrontiers, a revolutionary new employee benefits product giving you access to the best vendors, pricing, and solutions to navigate the path to success. (731 words) - [Increased $3.47 PCORI Fee Due July 31 ](/content/blog/increased-usd3-47-pcori-fee-due-july-31/index.html): The annual PCORI fee must be reported and paid to the IRS by July 31, 2025, via the second quarter Form 720 (rev. June 2025). (2,369 words) - [Advanced Professionals Extends Managed Services to California Market](/content/blog/advanced-professionals-extends-managed-services-to-california-market.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (374 words) - [Advanced Professionals Helps Put Spotlight on Wellness as Sponsor of American Cancer Society 5K](/content/blog/advanced-professionals-sponsor-american-cancer-society-5k.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (543 words) - [Newfront Cyber Update: New Cyber Rules Coming into Force in 2024](/content/blog/newfront-cyber-update-new-cyber-rules-coming-into-force-in-2024.html): New cyber rules are coming into effect in 2024 as federal and state governments exhibit heightened interest in corporate cybersecurity. (926 words) - [ACA Reporting Requirements in 2026](/content/blog/aca-reporting-requirements-in-2026/index.html): Newfront's Brian Gilmore covers the ACA reporting deadlines and compliance requirements in 2026 to report on the 2025 calendar year. (2,798 words) - [COBRA High Five Part II: The Notices of Unavailability and Termination of Coverage](/content/blog/cobra-high-five-part-2-the-notices-of-unavailability-and-termination-of-coverage.html): Employers are generally familiar with the COBRA initial and election notices, but what about the COBRA notices of unavailability and termination of coverage? This blog post from Newfront's Brian Gilmore explores these topics. (2,325 words) - [401(k)ology – Mid-Year Changes to Safe Harbor Plans](/content/blog/401kology-mid-year-changes-to-safe-harbor-plans/index.html): Mid-year 401(k) changes? If it’s a safe harbor plan, special rules apply—some changes are restricted. Newfront's Joni Jennings dives into the timing and notice rules. (2,582 words) - [Health Coverage for Continuing Employees After an M&A Transaction](/content/blog/health-coverage-for-continuing-employees-after-m-and-a.html): Newfront's Brian Gilmore explains what health benefit options are available for those continuing employment with the new or acquiring entity after an M&A transaction closes. (3,533 words) - [J&J Case Practical Considerations: The Core Four ERISA Fiduciary Duties (Part 1)](/content/blog/j-and-j-case-practical-considerations-the-core-four-erisa-fiduciary-duties-part-1.html): Newfront's Brian Gilmore discusses the main categories of ERISA fiduciary duties for employers sponsoring health and welfare employee benefit plans, and how the J&J class action lawsuit turns on this issue. (1,696 words) - [Coordination of Benefits for Health Plans](/content/blog/coordination-of-benefits-for-health-plans/index.html): Newfront's Brian Gilmore explains how employer-sponsored group health plans typically determine which plan pays primary and which plan pays secondary when an employee or dependent is covered under more than one plan. (3,620 words) - [401(k)ology – The Hidden Risks of Uncapped Voluntary After-Tax Contributions](/content/blog/401kology-the-hidden-risks-of-uncapped-voluntary-after-tax-contributions.html): Voluntary After-Tax 401(k) contributions can boost savings, but system errors may lead to excess contributions. This post reveals compliance risks, costly outcomes, and strategies to safeguard plans and employees. (2,531 words) - [What Benefits to Include in the Wrap SPD](/content/blog/what-benefits-to-include-in-the-wrap-spd/index.html): What health and welfare plan benefits should be included in the wrap plan document and wrap SPD? (3,130 words) - [Newfront Volunteers Repack 6.5 Tons of Watermelon to Help End Hunger](/content/blog/newfront-volunteers-help-end-hunger/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (381 words) - [The Health FSA Nondiscrimination Tests](/content/blog/the-health-fsa-nondiscrimination-tests/index.html): What are the health FSA nondiscrimination rules, and why do employers almost always pass the test? Newfront's Brian Gilmore explains. (3,177 words) - [Sarah Schwartz wins Brent Rineck Culture Award](/content/blog/sarah-schwartz-wins-2023-brent-rineck-culture-award.html): Newfront's Sarah Schwartz is the winner of the company's Brent Rineck Culture Award. (733 words) - [ The 2026 HSA Contribution Limits](/content/blog/the-2026-hsa-contribution-limits/index.html): Newfront's Brian Gilmore covers the 2026 HSA contribution limits. (1,297 words) - [401(k)ology – Audit Smart: Things to Know Before Hiring an IQPA for Your Form 5500](/content/blog/401kology-audit-smart-things-to-know-before-hiring-an-iqpa.html): Newfront's Joni Jennings highlights the fiduciary responsibility of choosing the right Independent Qualified Public Accountant (IQPA) for your Form 5500 audit. It offers best practices to help select an auditor who specializes in employee benefit plans. (2,606 words) - [Newfront Clinical Trial Portal Unveils Enhanced Brand Interface and Feature Set](/content/blog/newfront-clinical-trial-portal-unveils-enhanced-brand-interface-and-feature-set.html): After a significant upgrade earlier in 2023, the Newfront Clinical Trial Portal has added an upgraded brand interface and a range of enhanced features. (587 words) - [Retirement Services - Total Rewards - Newfront](/content/industries/retirement-services/index.html): Newfront’s Retirement Services team specializes in 401(k) and defined contributions, guiding clients through retirement planning with clarity and confidence. 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(971 words) - [Trump Accounts as Employee Benefits | New $2,500 Tax-Free Contributions Starting 2026](/content/blog/trump-accounts-as-an-employee-benefit/index.html): Learn how employers can offer tax-free Trump Account contributions up to $2,500 annually for employees' children starting July 4, 2026 under the OBBB. (2,443 words) - [A Blueprint for Elite Performance](/content/blog/a-blueprint-for-elite-performance/index.html): One of the leading experts in high-performance psychology, Eric Potterat, Ph.D., describes traits that set elite performers apart. (733 words) - [401(k)ology – Final SECURE 2.0 Catch-up Regulations: Highlights to Know ](/content/blog/401-k-ology-final-secure-2-0-catch-up-regulations-highlights-to-know.html): The Final Catch-up Regulations largely confirmed what we were expecting, by clarifying Highly Paid Individual (HPI) determinations, employer aggregation, and correction mechanics. (2,034 words) - [Dependent Care FSA Election Changes](/content/blog/dependent-care-fsa-election-changes/index.html): Navigating dependent care FSA elections mid-year. (1,273 words) - [Goldman Sachs: Why We Invested in Newfront](/content/blog/goldman-sachs-why-we-invested-in-newfront/index.html): We invested in Newfront because of their unique marriage of technology and insurance & benefits domain expertise. (148 words) - [The HSA Eligibility Trap for Married Couples](/content/blog/the-hsa-eligibility-trap-for-married-couples/index.html): What is the most common trap that causes married employees to inadvertently lose HSA eligibility? (2,740 words) - [Medicare Options for Employees and Retirees](/content/blog/medicare-options-for-employees-and-retirees/index.html): What are the primary Medicare decision points for employees and retirees after reaching age 65? (2,430 words) - [J&J Case Practical Considerations: The Core Four ERISA Fiduciary Duties (Part 2)](/content/blog/j-and-j-case-practical-considerations-the-core-four-erisa-fiduciary-duties-part-2.html): Newfront's Brian Gilmore covers the main categories of ERISA fiduciary duties for employers sponsoring health and welfare employee benefit plans, and how the J&J class action lawsuit turns on this issue. (1,114 words) - [Correcting Improper Health FSA Payments](/content/blog/correcting-improper-health-fsa-payments/index.html): Newfront's Brian Gilmore covers how employees and their third-party administrators correct improper payments (reimbursements/distributions) from the health FSA. (696 words) - [ The 2026 Required Annual Benefit Notices to Employees](/content/blog/the-2026-required-annual-benefit-notices-to-employees.html): Newfront's Brian Gilmore explains the required annual employer notices to employees related to health and welfare plans in 2026. (1,983 words) - [2025 Year-End EB Compliance Round-Up ](/content/blog/2025-year-end-eb-compliance-round-up/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (2,293 words) - [Taking the Measure of Risk: Enhancing Risk Management in Real Estate and Construction](/content/blog/the-measure-of-risk-enhancing-risk-management-in-real-estate-and-construction.html): A new risk management tool is proving its value with Newfront construction clients. (573 words) - [The Cafeteria Plan “Uniform” Rules](/content/blog/the-cafeteria-plan-uniform-rules/index.html): What are the Section 125 cafeteria plan rules that require contributions and benefits to be provided on a “uniform” basis? (2,231 words) - [HSA Eligibility for Veterans and American Indians](/content/blog/hsa-eligibility-for-veterans-and-american-indians/index.html): What are the special HSA eligibility rules that apply for Veterans with access to VA health services and American Indians with access to IHS? (3,013 words) - [Downstream Impact Following Change Healthcare Ransomware Attack](/content/blog/downstream-impact-following-change-healthcare-ransomware-attack.html): Less than three weeks after the Change Healthcare ransomware attack, we are beginning to see the first wave of related claims. (515 words) - [HSA and ICHRA Changes Proposed in Tax Bill](/content/blog/hsa-and-ichra-changes-proposed-in-tax-bill/index.html): The House Ways & Means Committee has released its much-anticipated initial draft of the tax provisions in the reconciliation bill. The bill includes several significant proposed changes to HSAs and ICHRAs. 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(21 words) - [Author: David Knopping](/content/blog/author/david-knopping/index.html): Founder & Managing Director, Alpine Rewards (27 words) - [Author: Brad Pineault, CFA](/content/blog/author/brad-pineault/index.html): Capital Markets Strategist, Fidelity Investments (29 words) - [Author: Karen Hooper](/content/blog/author/karen-hooper/index.html): VP, Senior Compliance Manager (66 words) - [Author: Sheri Jamme](/content/blog/author/sheri-jamme/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (23 words) - [Author: Mai Ling Slaughter](/content/blog/author/mai-ling-slaughter/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (69 words) - [Author: Megan Coen](/content/blog/author/megan-coen/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (21 words) - [Author: Joni L. Jennings, CPC, CPFA®, NQPC™](/content/blog/author/joni-l-jennings/index.html): Chief Compliance Officer, Newfront Retirement Services, Inc. (88 words) - [Author: Angie Lopez-Frazier](/content/blog/author/angie-lopez-frazier/index.html): Vice President & Director of Client Services at Newfront (147 words) - [Author: Robert Hall](/content/blog/author/robert-hall/index.html): Consultant, Alpine Rewards (24 words) - [Author: Octavio Cardenas](/content/blog/author/octavio-cardenas/index.html): Managing Director, Alpine Rewards (27 words) - [Author: Fiona Doyle](/content/blog/author/fiona-doyle/index.html): Vice President (89 words) - [Author: Jennifer Wilson](/content/blog/author/jennifer-wilson/index.html): Head of Cyber (104 words) - [Author: Nestor Perez Rodriguez](/content/blog/author/nestor-perez-rodriguez/index.html): Risk Control Program Manager (162 words) - [Author: Andrea Trudeau](/content/blog/author/andrea-trudeau/index.html): EVP, Founding Principal (58 words) - [Author: Newfront](/content/blog/author/newfront/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (77 words) - [Author: Chris Mikschl](/content/blog/author/chris-mikschl/index.html): Head of Benefits Partnerships, Ladder (28 words) - [Author: Chris James](/content/blog/author/chris-james/index.html): Senior Vice President (174 words) - [Author: Ryan Velazquez](/content/blog/author/ryan-velazquez/index.html): Data Scientist (100 words) - [Author: Scott Rhymes](/content/blog/author/scott-rhymes/index.html): Director of Risk Control Services, Newfront (138 words) - [Author: Steve Cain](/content/blog/author/steve-cain/index.html): National Sales & Business Development Leader, LTCI Partners (31 words) - [Author: Janette Angelini](/content/blog/author/janette-angelini/index.html): Outreach Lead, Ladder (24 words) - [Author: Sarah Schwartz, CIMA®, AIF®](/content/blog/author/sarah-schwartz/index.html): VP, Retirement Services, Newfront (119 words) - [Author: Carolyn Locke](/content/blog/author/carolyn-locke/index.html): Senior Vice President (106 words) - [Author: Shantelle Cabir](/content/blog/author/shantelle-cabir/index.html): Senior Vice President (162 words) - [Author: Michele Lepper](/content/blog/author/michele-lepper/index.html): Senior Cyber Claims Consultant (94 words) - [Author: Amanda Peppers](/content/blog/author/amanda-peppers/index.html): Director of Consultant Relations, Northstar (26 words) - [Author: Mathew Wang](/content/blog/author/mathew-wang/index.html): Data Scientist (91 words) - [Author: Kevin Thomas](/content/blog/author/kevin-thomas/index.html): Associate Vice President (66 words) - [Author: Paul Martinez](/content/blog/author/paul-martinez/index.html): Executive Vice President (103 words) - [Author: Jaclyn Johnson](/content/blog/author/jaclyn-johnson/index.html): Construction Specialties Leader (58 words) - [Author: Matthew Summers](/content/blog/author/matt-summers/index.html): Construction Practice Leader (87 words) - [Author: Marc Recht](/content/blog/author/marc-recht/index.html): Global Life Science Co-Chair, Cooley (26 words) - [Author: Robyn Cross (Host)](/content/blog/author/robyn-cross/index.html): Senior Manager, Operations, Newfront (64 words) - [Author: Shelley Chapman (Facilitator)](/content/blog/author/shelley-chapman/index.html): Health and Wellness Advisor, Calm (29 words) - [Author: Katie Pitts](/content/blog/author/katie-pitts/index.html): Executive Vice President (90 words) - [Author: Louisa Bolick](/content/blog/author/louisa-bolick/index.html): Executive Vice President, Founding Partner - Boston (140 words) - [Author: James Ciarleglio](/content/blog/author/james-ciarleglio/index.html): SVP, Northeast Executive Risk Solutions Practice Leader (141 words) - [Author: Holly Long](/content/blog/author/holly-long/index.html): Executive Vice President, Private Client Services Practice Leader (93 words) - [Author: Andrew Hersh](/content/blog/author/andrew-hersh/index.html): National Security Practice Leader (137 words) - [Author: Frannie Epps](/content/blog/author/frannie-epps/index.html): Head of Service - Business Insurance (107 words) - [Author: Kevin Gillis](/content/blog/author/kevin-gillis/index.html): Partner and COO, Third Rock Ventures (27 words) - [Author: Paige Maisonet](/content/blog/author/paige-maisonet/index.html): Chief People Officer (122 words) - [Author: B.J. Spence](/content/blog/author/b-j-spence/index.html): Partner, Deloitte (25 words) ## About Pages - [Who We Are | Advanced Professionals - Newfront](/content/advanced-professionals/about/index.html): Newfront is transforming the risk management, business insurance, total rewards, and retirement services space through the combination of elite expertise and cutting-edge technology. (458 words) - [About Our Global Insurance Company - Newfront](/content/about/index.html): Newfront's cutting-edge global insurance company brokerage blends exceptional service with modern technology. Read more about us here. (333 words) - [Contact Us - Newfront](/content/contact/index.html): Ready to start a conversation on business insurance and explore solutions tailored to your company's needs? Contact Newfront here. 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