On Feb. 24, President Donald Trump delivered the first State of the Union (SOTU) address of his second term. The SOTU address is an annual speech the president delivers near the beginning of each year, outlining how the country is doing and identifying future initiatives...

In 2026, the employee benefits market is being shaped by a variety of trends, including regulatory volatility, shifting compliance priorities, accelerated cost pressures and ever-evolving workplace demands. Here are compliance trends to watch for:   On July 4, 2025, a sweeping tax and spending bill, commonly...

The Affordable Care Act (ACA) created reporting requirements under Internal Revenue Code (Code) Sections 6055 and 6056. Under these rules, certain employers must provide information to the IRS about the health plan coverage they offer (or do not offer) to their employees. Under the original rules,...

Real-time pay (often called on-demand pay or earned wage access) sounds like a slam dunk: employees get money as soon as they’ve earned it instead of waiting for payday. From an employer’s standpoint, though, it can be a surprisingly messy operational and compliance project. Here’s...

The Affordable Care Act (ACA) created a federally financed subsidy, called the premium tax credit (PTC), to help eligible individuals and families with low or moderate incomes afford health insurance purchased through an Exchange. During the COVID-19 pandemic, Congress temporarily enhanced the PTC by eliminating...

Employment Practices Liability Insurance (EPLI) protects businesses from claims like wrongful termination, discrimination, harassment, and other workplace-related issues. These claims are expensive, disruptive, and—thanks to ever-evolving labor regulations—surprisingly easy to trigger. This is where Professional Employer Organizations (PEOs) earn their keep. PEOs don’t just run payroll;...

By:  Steve Kolker, Insurance Consultant, Employee Benefits, Hilb Group/Barrow Group One of the most essential, but difficult to afford coverages is long-term care (LTC) insurance.  LTC insurance covers services like nursing home, assisted living, or in-home assistance that Medicare generally does not provide. The cost for...

This HR compliance calendar is a valuable tool to help your business stay on track with key employ­ment-related deadlines throughout the year. HR compliance can be complex and involves many moving parts. Keeping track of deadlines during 2026 can help your business stay organized and...