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Qualified retirement plans, group term life and group disability insurance plans are normally structured to provide the same benefit formula across the board for all covered employees. This results in reverse discrimination against highly paid executives due to benefit and contribution caps. However, there is a way to pay executives…

Insurance requirements for administering employee plan benefits confuse many fiduciaries and retirement plan officials. While an ERISA or fidelity bond is required by law, fiduciary liability insurance can also be helpful. So, what’s the difference? Purpose: An ERISA bond policy protects an employer-sponsored retirement plan from dishonesty or fraud, such as…

Mental health has a significant impact on an employee’s ability to do their job to their full potential. Employers are realizing that employees can’t leave their problems at the door and, often, the workplace induces stress. Oswald convened a panel of experts to discuss why it’s important for employers to…

Active assailant events are becoming more frequent and they’re causing more injuries and casualties than ever before. They’re happening in schools, public spaces and workplaces of all types. This alarming trend prompted Oswald to host a three-part webinar series on prevention, response and recovery. The first webinar took place on…

Telemedicine – talking to a health care professional by phone or video – has been around for years, but it was slow to catch on as people preferred in-person appointments. Then the pandemic stepped in. During the pandemic, people were encouraged to use telemedicine to avoid coming in contact with…

Have you ever felt excluded from the conversation at work or that the playing field is so uneven that not everyone has equal access and opportunity to succeed? You’re not alone. Equity in the workplace was the topic of a constructive conversation for an event hosted by Oswald’s Women’s Leadership…

Prescription drugs are a crucial component of health care, with millions of Americans relying on their medications to manage chronic conditions, recover from illnesses and improve their quality of life. However, the cost of prescription drugs can be prohibitively expensive, especially for those without insurance or with limited financial resources.…

Owners are asking architects and engineers to have higher insurance limits just in case something goes wrong, as noted in Oswald’s Spring State of the Market report. Instead of the usual $1 million limit, owners are demanding $5 million and $10 million limits. The problem is those higher limits might…

Watch as Gene Pompili, vice president, risk leader, employee benefits at Oswald Companies, speaks with David Wright, CFO of University Schools, about the affect ISBC has had on University Schools’ employees who have joined the health plan.  

Sometimes business just can’t be completed without getting in the car. Chances are your employees use their own vehicles to meet clients, go to the bank, pick up lunch for the office, or make a quick trip to the store for supplies. All make for a smoother workday. But there’s…