Blog listing
The Compliance Gray Areas That Keep Showing Up
The biggest compliance missteps often start with small assumptions—like calling a plan “voluntary” or tweaking classes without testing for discrimination. Gray zones around ERISA, 105(h), and plan documentation can quietly turn into audits or penalties. Staying aligned means reviewing, documenting, and asking the right questions before every change
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Back in Session: What the Government Reopening Means for Healthcare Compliance
The government may have reopened, but compliance deadlines never stopped. With filings, ACA reporting, and MHPAEA audits back in motion, employers should clean up documentation, verify submissions, and reset calendars through 2026. Amid political noise over ACA subsidies, steady communication and proactive organization remain the keys to staying audit-ready.
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Making Sense of Taxability in Long-Term Disability Plans
Long-term disability coverage can quietly fall short when taxes take a bite out of benefits. A simple gross-up adjustment (taxing premiums upfront) turns taxable payouts into tax-free income when it matters most. It’s a smarter structure that keeps the promised 60% intact and offers stronger protection without added cost.
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Level-Funded Plans in 2026: Compliance Responsibilities Employers Must Manage
Level-funded plans are gaining ground as costs climb, but they come with hidden compliance work. From ACA filings to COBRA rates and HIPAA safeguards, Misty Baker highlights what employers must manage and how brokers can help them avoid last-minute penalties
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Stop Losing Clients to PEO: Why Brokers Must Act Now
Employers are frustrated with renewals that never change the story. PEO partnerships can reset the conversation by simplifying HR, payroll, and benefits while keeping brokers at the center. Explore how to spot the right clients, address hesitation, and strengthen relationships before competitors step in
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GLP-1s in 2026: What Brokers Need to Know
GLP-1 drugs like Wegovy and Ozempic are now linked to heart health, not just weight loss, and that shift is changing benefit strategy. Learn how 2026 renewals will test plan design, compliance, and cost control—and what conversations to start with clients before coverage questions hit
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Preparing for Open Enrollment: Guiding Clients Through New Rules
Six weeks, high stakes. This year’s open enrollment comes with new OBBBA provisions, updated ACA affordability thresholds, and tighter compliance enforcement. From COBRA notices to transparency requirements, employers need clear guidance to avoid costly missteps. This checklist-style article helps you keep clients on track.
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Premium Shock Ahead? Preparing for 2026 Market Shifts
With enhanced premium subsidies set to expire in 2025, Marketplace rates for 2026 could spike by 25 to 30 percent in some states. Employers may see renewed demand for group coverage, tighter budgets, and shifting eligibility questions. Discover five strategies to help clients prepare before renewal season begins
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Disability Income and Wage Inflation: Closing the Coverage Gap
Rising wages are outpacing outdated LTD caps, leaving high earners significantly underinsured. For brokers, this gap represents both a client risk and a consultative opportunity. Learn how supplemental coverage, employer education, and modernized plan designs can strengthen protection and reinforce your value as a trusted advisor.
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Tech in Benefits: Work Smarter, Not Harder
Smart technology helps brokers save time, reduce errors, and simplify enrollment and quoting. CRC Benefits combines digital tools with expert support so brokers gain efficiency while keeping personal service at the center. With mobile-friendly platforms and faster systems like CRQS, brokers are equipped to deliver better results for every client.
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One Big, Beautiful Bill — What Agents Need to Know About the OBBBA
The OBBBA is officially law, and it’s bringing big changes to telehealth, HSAs, FSAs, and more. Signed on July 4, this wide-reaching bill gives brokers fresh talking points and planning opportunities as clients head into Q4. Whether it’s helping large groups prepare or introducing new strategies to small employers, there’s a lot to gain from getting ahead of the details now.
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Why ICHRA Is Catching On
ICHRA is taking off with businesses of every size, and brokers who introduce it early are building stronger client relationships. Employers are saving money, employees are choosing better plans, and brokers are opening doors to markets that were once hard to reach. If you haven’t talked about ICHRA yet, now is the time to get in the driver’s seat
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