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As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end.

Benefits Administration Update: MLR Rebates, Texas SB 1332, and Year-End Priorities

As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end. Medical Loss Ratio (MLR) Rebates Released Health insurance carriers […]
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As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.

Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts

As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide. Gag Clause Prohibition Attestations Due by December 31 Under the Consolidated Appropriations Act (CAA), employer-sponsored group health plans must submit an […]
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The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors.

Trump Administration Reshapes Health Plan Oversight

The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors. In tandem with these policy moves, leadership changes at key agencies are already influencing the regulatory […]
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What to Know Before Insuring Your Snowmobile This Winter

What to Know Before Insuring Your Snowmobile This Winter

When the first snow hits, most people reach for a shovel, but snowmobile owners reach for their keys. Whether you ride casually on the cottage trail or spend weekends carving fresh powder, gearing up your sled for winter takes more than a tune-up and a tank of fuel. The right prep also includes making sure […]
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Understanding Educators Legal Liability (ELL)

Understanding Educators Legal Liability (ELL)

Educators face unique professional exposures that go beyond standard general liability. That’s where Educators Legal Liability (ELL) coverage comes in. Understanding Educators Legal Liability is critical for school administrators, as it protects against claims related to employment practices, student rights, professional duties, and more. From wrongful termination to student disciplinary disputes, ELL can provide defense […]
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How to Prevent and Protect Against Wildlife Collisions

Prevent Wildlife Collisions – Duliban Insurance

Driving through Ontario’s scenic roads can be a breathtaking experience, but it also comes with the risk of encountering wildlife. Whether it’s a deer crossing the highway at dusk or a smaller animal darting across a rural road, wildlife collisions are a serious concern for drivers. At Duliban Insurance, we want to help you stay […]
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Wheelchair Safety for Passenger Vans

Wheelchair Safety for Passenger Vans

Passenger vans—which typically have an occupancy of between nine and 15 people—are used by many organizations to transport a wide range of passengers. Some of those passengers require the use of a wheelchair. Wheelchairs can either be stored as cargo when not in use or used as a seat during transport. There are many safety […]
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2025 Open Enrollment Checklist | INSURICA

2026 Open Enrollment Checklist | INSURICA

To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each year, such as the Affordable Care Act’s (ACA) affordability percentage and cost-sharing limits […]
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The Top 10 Most Insurable EVs of 2024

The Top 10 Most Insurable EVs of 2024

Hello, EV enthusiasts! As we head into the final months of 2024, the electric vehicle market is buzzing with exciting new models, and here at Duliban Insurance, we’re keeping a close eye on the best of the best. Whether you’re a seasoned EV owner or considering making the switch, we’ve put together a list of the […]
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Is It Time to Update Your Business Policy? Let's Find Out

Update Your Business Policy? – Duliban Insurance

Running a business is an ever-evolving journey, and with each step forward, your insurance needs may change. As your company grows, adapts to new markets, or shifts its operations, ensuring that your business insurance policy keeps pace is crucial. Failing to update your coverage could leave you vulnerable to risks that weren’t there when you […]
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