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We pride ourselves in having a high level of insurance acumen and have a passion to share our experience with clients. Here you can find informative articles on insurance, safety, and risk for you, your family, or your business. Each article includes a link for you to share with anyone who may benefit.

Education Blog

Check out our Education Blog for articles on insurance, safety and risk for you, your family or your business.

Workers’ Compensation Audits – Don’t Get Hit in the Wallet

November 19, 2018

One unhappy trend we’ve been seeing lately is more and more employers being hit with audit noncompliance penalties from their workers’ compensation carriers. These penalties can be very significant, up to twice the annual premium, so let’s take a look at how to avoid them. Like any insurance policy, a workers’ compensation policy is a…

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Telemedicine Benefits & Compliance Issues

November 7, 2018

Telemedicine is becoming increasingly popular, and with good reason … a telemedicine program allows individuals to use technology such as videoconferencing in order to access medical care without actually visiting a provider. For many less-complex medical issues, a virtual visit to a medical professional can be a big saver of time and money. There are,…

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Aruba, Jamaica … or Stuck in Newark? The Case for Travel Insurance

October 17, 2018

There’s no doubt that the Age of the Internet has changed the way we travel, from the way we book airfare and hotels to options that didn’t exist a few short years ago like Airbnb and other home-sharing services. The one thing that hasn’t changed about vacationing, though, is that things can and do go…

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Is Your Prescription Drug Coverage Creditable?

October 3, 2018

Employers providing prescription drug coverage to individuals who are eligible for Medicare Part D must inform both the individuals and the Centers for Medicare and Medicaid Services (CMS) whether their prescription drug coverage is “creditable.” Let’s take a look at what that means: The prescription drug coverage in a group health plan is considered creditable…

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New I-9 Form In Effect September 18th

September 19, 2018

In July of 2017, U.S. Citizenship and Immigration Services (USCIS) issued an updated version of Form I-9: Employment Eligibility Verification (Form I-9). Under federal law, every employer that recruits, refers for a fee or hires an individual for employment in the United States must complete a Form I-9. While there has been a grace period…

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2018 ACA Reporting Draft Forms Now Available

September 5, 2018

The Internal Revenue Service has released draft versions of 2018 forms for Affordable Care Act (ACA) reporting under IRS Code Sections 6055 and 6056. Specifically, Forms 1094-C and 1095-C are now available in draft versions for reporting under Section 6055 and 6066, as are Forms 1094-B and 1095-B for reporting under Section 6066. Here’s what…

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New Maryland Law for Enhanced Uninsured Motorist Coverage

August 29, 2018

Maryland drivers should be aware of a law that took effect for personal auto policies purchased on or after July 1, 2018. In order to expand protection for drivers who are injured by uninsured or underinsured motorists, insurers issuing new policies are now required to offer enhanced underinsured motorist (EUIM) coverage to replace traditional underinsured…

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Controlling Workers’ Compensation Costs

August 15, 2018

Fourth in a series of installments on workers’ compensation coverage In previous posts on workers’ compensation, we’ve covered experience modification factors, what makes a claim compensable and signs of fraud. Now, let’s get to the bottom line – literally – and talk about controlling your workers’ compensation costs. The first thing to understand about cost…

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HSA/HDHP Limits to Increase for 2019

August 2, 2018

On May 10, 2018, the IRS announced inflation-adjusted limits for both health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2019. These recently-announced limits include the maximum HSA contribution limit, the minimum deductible amount for HDHPs and the maximum out-of-pocket expense for HDHPs. Note, however, that not all of these are changing in…

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Back to School for Consolidated too!

July 25, 2018

Nearly 80% of the insurance-licensed staff here at Consolidated hold at least one insurance designation, and many hold more than one. From well-known certifications like CIC (Certified Insurance Counselor), ACSR (Accredited Customer Service Representative), CLCS (Commercial Lines Coverage Specialist), CAWC (Certified Authority on Workers’ Compensation), CISR (Certified Insurance Service Representative), and AAI (Accredited Advisor in …

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Consolidated provides this information for general informational purposes. Nothing on this page is intended to constitute legal advice or to address specific risk management situations. Consolidated is not responsible for any errors or omissions in these entries, nor in the source materials used to create them.