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The U.S. Supreme Court’s ruling in King v. Burwell, issued June 25, 2015, allows federal premium tax credit (subsidies) to continue for enrollees in BOTH federal and state-based health insurance exchanges. This highly anticipated decision hinged on statutory language of the Affordable Care Act (ACA), which is written to provide…

When it comes to the Affordable Care Act (ACA), a lot of organizations have questions. Professionals may feel an uncertainty with how everything will work or cost when it comes to their health care needs. “The number one issue clients are worried about is cost,” says Klonk. “There is a…

From Fortune 500 companies, to small organizations that you wont hear about in the news, the risks surrounding cyber fraud continue to rise. View and share our Cyber Risk Infographic below, which features items such as statistics on the average cost of a cyber attack to an organization, to various…

Starting June 1st, 2015, OSHA has mandated that all organizations must be compliant with the next phase of the updated Globally Harmonized System (GHS)-based Hazard Communication Standard. The deadline requires compliance with all modified provisions of the final rule for manufacturers, importers, distributors, and employers. These changes affect hazard communication…

On April 16th, the Equal Employment Opportunity Commission (EEOC) released their long awaited wellness incentive regulations in draft form. This is welcome news to employers given the EEOC’s recent string of lawsuits challenging the voluntary nature of wellness incentive programs.   Who is impacted?     Companies where Title 1 of…

Left unchecked, the health of a population will almost always “flow” downstream, worsening as individuals first acquire health risks, then precursors to disease, followed by the onset of chronic conditions.  This worsening of health is accelerated by a lack of “upstream” prevention. Check out the infographic below from Oswald’s Employee Benefits…

Consider the following real-life exposures; which scenario do you believe is covered by a professional athlete’s personal liability or excess liability, also known as, umbrella liability? Your client… is signing autographs at a local bookstore and a child walks by and trips over his/her chair, suffering injuries to his face has…

The United States Environmental Protection Agency (EPA) is reminding employers to submit Tier II forms by March 1, 2015.  It is required under Section 312 of the Emergency Planning and Community Right-to-Know Act of 1986 (EPCRA). The form was designed to provide State and local officials (and the public) with information…

CLEVELAND – Feb. 3, 2015 – osWell Health Management, the specialty health and wellness consulting division of Oswald Companies, is kicking off 2015 with a sharp focus on employer-driven evaluation tools for proactive assessment and planning. “Determining which path to take in designing and implementing an effective wellness program is…

The Occupational Safety and Health Administration is reminding employers to post the 300A OSHA Form, which lists a summary of the total number of job-related injuries and illnesses that occurred during 2014. The form must be signed by the highest ranking person on site and posted between Feb. 1 and…