Capstone Insights
Recovery for damages in auto accidents can be complicated when you know someone else was at fault, but you can’t find the wrongdoer.
Auto accidents may be caused by a driver who forces following drivers to brake suddenly, then drives away, unaware of the accident left behind. Continue reading →
Allegiant Air shares continue to fall in the aftermath of a news report that is raising serious safety questions about the low-cost carrier.
Allegiant is defending its safety and says the report by CBS News’ “60 Minutes” tells a “false narrative” about the airline. Investors, however, fear that the negative publicity will cause travelers to avoid Allegiant, which has a fleet including many older planes that typically require more maintenance. Continue reading →
When companies first set up a health reimbursement arrangement (HRA), they often wonder if there is a specific (or required) time frame for reimbursing employees’ health expenses. Likewise, employees want to know how long they have to get their health expenses paid.
As a rule of thumb, health insurance reimbursement deadlines are defined by the HRA plan documents. Continue reading →
In today’s world Human Resource & Benefit Technology makes an employee benefit package more accessible to this new generation of workers. We all know the system between payroll and employees electing benefits is broken. In the past, stacks of books and colorful brochures were handed out at open Enrollment meetings and most of the literature went right in the trash when the employee got home. Only large corporations would even consider setting up self-service portals for their employees for integration which also had an expensive monthly premium. Now companies with only a handful of workers can take full advantage of employee portal technology. Continue reading →
Rather than offer a traditional group health insurance policy, an increasing number of small businesses want to know whether they can reimburse their employees’ individual health insurance. They also want to know whether such an arrangement is taxable.
Under IRS rules, small businesses can reimburse employees for their health insurance in a tax-advantaged way. The most prominent vehicle for doing so is the health reimbursement arrangement (HRA). Continue reading →
LONDON–(BUSINESS WIRE)–A new study of the UK cyber risk insurance and broker community reveals startling findings. First and foremost, the insurance industry needs to address non-affirmative cyber in a meaningful way. Second, measurement of cyber risk in financial terms is highly deficient among insurance customers and the insurance industry itself. Finally, a series of catastrophic cyber events or a systemic cyber event will drastically alter the way in which insurers measure the risk profile of each applicant. Continue reading →
Most American families have a family pet. They are considered a part of the family and in some situations can be more like children to their owners. What happens when your beloved family pet BITES? Interestingly one third of homeowner’s liability claims arise from dog bites and other dog related injuries.
Continue reading →
There’s no good reason to make an enemy of the claimant or, if in litigation, the opposing attorney. We reveal ourselves in our claims letters and their tone. Is the tone nasty? Negative? Arrogant? Your job is to make your point without, in any way, belittling your reader. Continue reading →
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