Environmental liability is a legal obligation caused by the past or by the ongoing manufacture, use, release, or threatened release of a particular substance – or by activities that adversely affect the environment or human health. Every organization, especially aviation operators and service providers, may have some degree of exposure to it.
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A steel service center's loss experience had deteriorated to the point that its experience modification factor was in excess of 1.75. Accidents were occurring with unacceptable frequency, and cases were becoming difficult to manage because of employees' attitudes. The Gallagher Workers Compensation team met with the client to find some answers.
Risk management in the operational fire service involves evaluating hazards and planning to mitigate and respond. It also involves the appropriate implementation of various control measures to address these hazards. The goal of this Public Entity Risk Institute (PERI) Symposium paper is to relate a real-life example of risk management to the planning function within a volunteer fire department.
Directions newsletter is a monthly publication of the Benefits & HR Consulting Division of Arthur J. Gallagher & Co. The November 2013 issue includes healthcare reform updates, benefit trends and surveys, upcoming webinar information and a variety of benefits and HR news including: IRS Issues Guidance on FSA Use‐it‐or‐Lose‐it Rules; States Continue to Update Benefits Laws to Align With ACA; and California Enacts Several New Insurance and Benefit Related Laws.
This toolkit begins with Gallagher’s article on the uptick of audits and how they now address PPACA. It also has a piece on twelve DOL hot spots to beware of, links to two self-compliance tools provided by the DOL, and sample DOL audit letters and responses.
Gallagher offers the resources provided below to help you better understand the Medical Loss Ratio (MLR) requirements now that the rule is effective. This comprehensive toolkit includes an MLR article and FAQs, as well as FAQs and model notices developed by the government.
Here are some helpful external websites on healthcare reform from HHS, DOL, IRS and NAIC.
Your company depends on computer technology infrastructure to efficiently conduct its day-to-day business, but this growing dependence on information technology also puts your company at risk for exposure known as “cyber risk.”
Colleges and universities rely heavily on technology to collaborate on projects, address financial and medical information, transmit grades, provide class schedules and conduct general awareness. A cyber breach for these organizations represents significant risk as well as damage to their reputations.
This Article Includes: Government Shutdown and Debt Limit Battle Yields Minimal Impact on PPACA; Sets Up Another Round Early Next Year, Program Integrity Rules Offer Partial Reinsurance Fee Exemption for Certain Self-Insured Health Plans, HHS Clarifies Last Date by Which Individuals Can Purchase Insurance to Avoid Individual Mandate Penalty, ERRP Website to be Taken Offline as Part of Program Sunset, CMS Releases Operational Manual on Enrollment Processes for Federally-Facilitated Marketplaces, CMS Releases Additional FAQs on Federally-Facilitated SHOP Marketplaces, Questions and Answers for Employers