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Employee Benefit News for School, City and County Employers

Rick Labian

Rick Labian lives by the Golden Rule – he is guided by what is best for his clients and treats others as he would like to be treated. Rick acts as an advisor and advocate for his clients, helping to identify goals for their benefit programs and building a strategic plan together. As manager of the FBC Client Management Team, Rick’s leadership and experience aids our internal staff and NIS’ FBC clients. Rick is a licensed insurance agent and is ACA certified through the National Association of Health Underwriters.

Recent Articles by Rick Labian

2025 Pay-or-Play Affordability Percentage Increased

1 minute read

On September 6, 2024, the IRS unveiled Revenue Procedure 2024-35, which updates the contribution percentage for 2025 to determine the affordability of an employer’s health plan under...

DOL and Life Insurance Carriers Reach Settlements Regarding EOI

3 minute read

The Department of Labor (DOL) has reached several settlements lately with life insurance carriers regarding their evidence of insurability (EOI) practices. Although these settlements...

Categories

How to Prep for the FTC’s Noncompete Ban

2 minute read

On April 23, 2024, the Federal Trade Commission (FTC) voted to issue a final rule to prohibit noncompete clauses for most employees, effective September 4, 2024. The FTC aims to promote...

Legal Assistance Programs Offer Affordable Access to All Employees

2 minute read

Employers are always looking for ways to enhance their employee benefit offerings. From accident coverage to reproductive assistance and financial support, they continuously add various...

What You Need to Know About Gag Clause Attestation

2.5 minute read

The Consolidated Appropriations Act of 2021 (CAA) imposes restrictions on Group Health Plans (GHPs) and insurers, preventing them from entering into agreements that limit or hinder...

Affordability Percentage Decreases for 2024

1.5 minute read

The IRS recently announced the affordability percentage that will apply under the Affordable Care Act’s (ACA) pay or play rules for plan years beginning in 2024. Employer sponsored...

Humana to Exit from Employer-Sponsored Medical Insurance Coverage

.5 minute read

Health insurance company, Humana Inc., has announced that they will stop providing employer-sponsored medical insurance coverage. This includes fully insured, self-funded, and Federal...

Study Shows Consolidated Health Systems Fail

1 minute read

Consolidated health systems deliver a large proportion of the medical care in the United States. A new study suggests that consolidated health systems provide slightly better care than...

New Telemedicine and HSA Legislation

1 minute read

The recently approved Consolidated Appropriations Act, 2023 (CAA 2023) includes a new 2-year extension of the telehealth waiver. Temporary relief had been provided to high deductible...

Upcoming Deadlines for ACA Reporting

2 minute read

Employers subject to Affordable Care Act (ACA) Reporting under the Internal Revenue Code Sections 6055 or 6056 should prepare to comply with reporting deadlines in early 2023.