Corkill Blog

Corkill stays on top of insurance trends and your industry

While our insurance products may not change weekly, coverage options and legislation that impacts your policies can. That’s why we’re committed to bringing you relevant information on what’s going on in our world so you can make your world the best it can be.  You can also check out our News and Events for upcoming webinars, Corkill related news and more. 

DOJ Supports Federal Court Ruling Invalidating the ACA

April 24, 2019

On Dec. 14, 2018, a federal judge ruled in Texas v. Azar that the entire Affordable Care Act (ACA) is invalid due to the elimination of the individual mandate penalty in 2019.

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New Resources for the CDL Drug and Alcohol Clearinghouse Available

April 16, 2019

This News Brief provides some background information on the Clearinghouse and highlights the new resources available to CDL holders, employers, state driver licensing agencies, medical review officers and substance abuse professionals.

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Insurance Policies for Active Shooter Incidents May Limit Your Ability to Respond Effectively

Mitch Backes | Insurance Advisor | Corkill Insurance Agency
April 16, 2019

The agreed-upon definition of an “active shooter” by US government agencies (including the White House, US Department of Justice, FBI, US Department of Education, US Department of Homeland Security, and Federal Emergency Management Agency) is “an individual actively engaged in the killing or attempting to kill people in a confined and populated area”. Unfortunately, the frequency of these incidents seems to be on the rise over the past few decades.

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Illinois Communities Respond to Teen Vaping Culture

Kristi Meling-Ramel | Account Manager | Group Benefits
April 12, 2019

The Illinois House of Representatives recently passed a new bill to increase the tobacco sale age from 18 to 21 years of age. This measure proceeds to the Senate for further review.

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The Importance of Loss Assessment Coverage

April 9, 2019

In the event that damages from an incident exceed the limits of the HOA's master policy, all condo residents may have to pay out of pocket for any losses, even if they were not at fault.

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Compliance Bulletin - DOJ Supports Ruling That the ACA is Unconstitutional

April 4, 2019

Despite the court ruling, the ACA still remains in effect and employers should continue to adhere to its requirements.

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Exposures for Restaurants And Taverns

March 28, 2019

Those who run restaurants are often some of the most passionate business owners, investing time and money to deliver a high-quality experience to their customers. However, the hospitality industry can be unforgiving, and it’s a constant challenge for owners to deliver exceptional food and service while maintaining profitability.

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Government Announces Changes to the National Flood Insurance Program

March 22, 2019

The Federal Emergency Management Agency (FEMA) is expected to unveil significant changes to the National Flood Insurance Program (NFIP) on March 25, 2019. The changes, which alter the way homeowners are charged for flood risks, could go into effect as early as April 1, 2020.

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What Travelers Should Know About the Boeing 737 Max 8 Crashes

March 20, 2019

In response to two recent fatal airplane crashes involving the same model of airplane, airlines around the world—including carriers in the United States, Canada and the U.K.—are taking the Boeing 737 Max 8 out of service. This News Brief provides an overview of the crashes and highlights some general information flyers should be aware of, particularly when it comes to travel insurance.

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Cyber Risks And Liabilities

March 13, 2019

As cyber attacks become more and more common, protecting your data is increasingly difficult. In fact, a study from Juniper Research found that by 2023, cyber criminals are expected to steal an estimated 33 billion records.

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DOL Issues New Proposal on Overtime Exemptions

March 8, 2019

On March 7, 2019, the U.S. Department of Labor (DOL) issued a proposed rule that would change the salary thresholds for certain exempt employees.

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25 Most Commonly Stolen Passwords

February 27, 2019

How clever is your password? If it’s on the list below, your password is just as easily stolen as it is remembered. Protect yourself by making sure you’re not using one of the top 25 most commonly stolen passwords of 2018, as determined by IT security firm SplashData.

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Home Matters - Fireplace Safety Tips

February 26, 2019

Did You Know? The U.S. Fire Administration states that 75 percent of confined home heating fires occur in the chimney and flue of your fireplace. Performing simple safety measures and maintenance on your fireplace will ensure your family and home

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What is Blockchain Technology and How Will it Impact Businesses?

February 20, 2019

The internet, smartphones and other online technologies have helped businesses streamline their supply chains and inventories. However, human error, software incompatibilities between vendors and a lack of transparency can cause even the most efficient operations to experience time-consuming and costly errors. Online cryptocurrencies like bitcoin depend on a technology called blockchain that can instantly share, secure, verify and store records simultaneously. As a result, many businesses are using blockchain systems to implement efficient and secure recordkeeping systems.

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Workplace Wellness is About More Than Just Physical Health

February 18, 2019

Cultivating a culture of wellness at organizations is a common trend for employers across the country. In fact, according to the Employer Health Benefits 2018 Annual Survey, 82 percent of large firms and 53 percent of small firms offer some sort of wellness program.

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OSHA Electronic Reports are Due by March 2

February 14, 2019

This is the first year that electronic reports are due on March 2nd.

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ACA Compliance Bulletin - Proposed Notice of Benefit and Payment Parameters for 2020

February 11, 2019

On Jan. 24, 2019, the Department of Health and Human Services (HHS) published its proposed Notice of Benefit and Payment Parameters for 2020. This proposed rule describes benefit and payment parameters under the Affordable Care Act (ACA) that would be applicable for the 2020 benefit year. Proposed standards included in the rule relate to: Annual limitations on cost-sharing; The individual mandate’s affordability exemption; Direct enrollment in the Exchanges; and Special enrollment periods in the Exchanges. The proposed rule is also seeking comments on issues to address in the future, such as the practice of “silver loading,” where insurers increase premiums in silver-level Exchange plans to compensate for the loss of federal cost-sharing reduction reimbursements. Comments are also requested on the automatic re-enrollment process through the Exchanges and any additional measures that would reduce eligibility errors and potential government misspending. Comments must be submitted by Feb. 19, 2019.

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6 HR TRENDS TO MONITOR IN 2019

January 17, 2019

A new year brings new issues for HR professionals to contend with. Some challenges are similar to previous years (overtime uncertainty), while others are more unique and complicated (legal marijuana and employment). Despite inherent difficulties, staying tuned in to these six trends can keep you ahead of the game in 2019. Ignoring them will only put you behind.

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Cybersecurity for Fire Protection Districts

Mitch Backes
July 13, 2018

Data breaches can affect more than big businesses like Target, Chase and Equifax. Learn how to protect your Fire Protection District from a data breach.

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COMPLIANCE ALERT: IRS Revises Benefit Limits for 2018

Kalli Ortega
March 6, 2018

On Monday March 5, 2018, the IRS released a bulletin that announces changes to benefit limits, including contributions to Health Savings Accounts (HSAs).

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5 Questions to Ask About Your Pension Fiduciary Insurance Policy

Mitch Backes
February 22, 2018

Did you know that pension trustees can be held personally accountable to restore losses to the pension fund if there is a breach or error? For this reason, it is essential that pension trustees have a strong understanding of the insurance coverage options available to them. In this blog post, Mitch Backes, Commercial Insurance Advisor walks you through five important questions you should ask about your Pension Fiduciary Insurance Policy to make sure you have the right coverage.

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"Be the Change" in 2018

Kalli Ortega
January 15, 2018

"Be the Change" in 2018 Published in the Northern Illinois Alliance of Fire Protection Districts (NIAFPD) Winter 2018 Edition of FireGuard

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Is Your District’s Life Insurance Benefit Considered Taxable Income?

Kalli Ortega, SPHR
November 1, 2017

I have had several conversations recently with Fire Districts about the life insurance benefit offered to their members. Whether it’s Districts that have called me in as a fresh set of eyes to review their benefits package or have called me in to help with union negotiations, the amount of life insurance has been a hot topic.

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Open Enrollment Strategies: Know Your Options

Kalli Ortega, SPHR
July 31, 2017

It’s the start of renewal season for many Fire Districts and I often hear “We can’t make any changes to our benefit plans because of our CBA, but we also can’t continue to take on renewal increases. What should we do?” Sound familiar?

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HR Insights

July 10, 2017

Did You Know? Snapchat is one of the top five social media platforms among young people, with approximately 150 million daily active users. While Snapchat is designed to be a fun photo, video, and text messaging app, a number of features—particularly the Snap Map function—pose serious safety concerns.

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HR Brief

June 20, 2017

This month’s HR Brief discusses the importance of employee engagement, provides suggestions for improving an organization’s ability to handle a public relations crisis and explains how a team leader can impact company culture.

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7 Ways to Reduce Workplace Stress

June 13, 2017

According to the American Institute of Stress, 80% of US workers feel stressed on the job and workplace stress costs about $300 billion in lost productivity annually. Everyone experiences periods of job stress, but extreme periods of prolonged stress can be detrimental to your long-term health. If you’re feeling stressed at work, try these seven.

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Men’s Health Week! June 12 – 18, 2017

June 7, 2017

In recognition of Men’s Health Week, here are some preventative health care tips.

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National Fireworks Safety Month: June 1 to July 4

June 7, 2017

Fireworks are a staple at festivities for many Americans during the summer months. Unfortunately, many people do not realize just how dangerous fireworks and sparklers can be—which is a primary reason that injuries occur.

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Only One-Third of Employees are Engaged at Work

June 7, 2017

Employee engagement—or the commitment and energy that employees bring to work—impacts productivity and performance. According to a recent Gallup poll, only 33 percent of employees are engaged at work.

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Employee Leaves of Absence – General Compliance Rules

June 7, 2017

Employees may need to take time off from work for various reasons, including for their own medical situations or family emergencies.

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5 Tips to Improve Your Mental Health

May 8, 2017

Staying healthy is about more than paying attention to your physical body—your mental health directly influences how you think, feel, react and maintain relationships.

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Specialty Drug Benefits Overview

May 8, 2017

Specialty drugs (or specialty pharmaceuticals) are the most expensive prescriptions you can buy—around $1,000 or more per month. Unfortunately, they are also the only option for many people who have complex, and otherwise untreatable, conditions.

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Cost-saving Strategy: Generic Drugs

May 3, 2017

Generic drugs can sometimes be misunderstood as sub-par or not up to the same quality standards as name-brand prescription drugs. This is unfortunate because generic drugs are not only of the same high quality as name-brand prescriptions, but they usually cost much less (80-85 percent less).

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Live Well, Work Well

April 5, 2017

Health & Wellness tips for your work and life! Workplace Stress Levels Dropping Stress in the workplace is on the decline, according to a recent study from health portal provider MediKeeper, Inc.

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Reference-Based Pricing

April 5, 2017

Health care costs continue to rise, which means employers need to take every opportunity to lower expenses. One strategy is to employ referenced-based pricing (RBP). RBP enables employers to set limits on certain medical services, shifting the cost-analysis burden onto employees.

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Telemedicine—Impact on HSA Eligibility

March 30, 2017

Telemedicine is becoming a popular method of providing a variety of medical services. Some employers offer a telemedicine benefit that allows employees to interact with healthcare professionals via phone, video chat, email or text for diagnosis, consultation and treatment.

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