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Business Income Worksheet: A Refresher
By Andrew Royce, October 8, 2018

Over 70% of businesses involved in a major fire either do not reopen, or subsequently fail within 3 years of a fire. The ones that do survive have a disaster response plan in place before a claim happens. Every business is vulnerable …

The Pharmacy Rebate System: Traditional vs. Fee-Based Model
By Andrew Royce, September 24, 2018

In 2018, Carl Ichan (a large investor in Cigna) stated that Cigna's merger with Express Scripts, a national Pharmacy Benefit Manager (PBM), rivaled 'the worst in corporate history'. Ichan went on to say, “When Cigna entered into …

Why an Employee Benefits Captive?
By Andrew Royce, June 5, 2018

Why are middle-market companies looking into Employee Benefit Captives?

Reason #1

Employers are frustrated with paying higher premiums while the insurance companies continue to get richer.  The …

ACA Compliance Causing Employers Headaches
By Rowanne Roman, January 22, 2016

The Affordable Care Act (ACA), Healthcare Reform, Obamacare…it’s known by many things, but easy isn’t one of them. The ACA brought with it many changes not only to the healthcare system, but it also ushered in many …

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