Resources

Factors That Affect Your Home Insurance Premiums

Home insurance coverage can differ from policy to policy depending on a multitude of factors. Being aware of these factors that affect your premium can…

Weather Damage and Your Home Insurance Policy

Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first…

People of Horton: Brian Lydigsen

Solar Expert. Grinder. Coach. Brian joined Horton in 2013 as a Sales Executive in Horton’s Construction Practice.

People of Horton: Tina Harville

Mother. Trailblazer. Companion. Tina joined Horton in 2016 as a Client Manager in Horton’s Employee Benefit Solutions Division.

Becoming an “Employer of Choice” – How the Manufacturing Field Can Retain the Best Talent Today

In early 2020, manufacturers struggled to find good quality talent. But COVID-19 put good employees back into the market due to layoffs, industry changes, safety…

Avoid Winter Slip-ups

Winter months present additional hazards that are typically not factors for employees during warmer weather – specifically, slip and fall concerns. With snow and ice-covered…

Responding to Requests for Mental Health Records

We frequently receive calls from health care providers who have either been served with a subpoena for mental health records or have received authorization or…

Preventing Rear-End Crashes

Of the various causes of accidents, rear-end crashes are some of the most common and dangerous. According to the FMCSA, 400,000 trucks are involved in…

GAWDA Safety Committee – Work in Process & Latest Updates

The Gases and Welding Distributors Association’s (GAWDA) Safety Committee is always working on new things. Horton’s Welding & Gas Practice Leader, Tony Hopkins, sits on…

People of Horton: Ryan Schnase

Family Man. Team Leader. Loyalist. Ryan joined Horton in 2010 as a Client Service Assistant.

Potential imminent cyber threat to hospitals and healthcare providers

By: James J. Giszczak, Dominic A. Paluzzi, Christine N. Czuprynski, Emily A. Johnson, Colin M. Battersby, McDonald Hopkins The FBI and DHS-CISA have issued a warning about…

2021 Retirement Plan Limits Released by IRS

Important Dates October 26, 2020: The IRS released the 2021 retirement plan limits. January 1, 2021: The effective date of the 2021 retirement plan limits. The Internal…

HSA/HDHP Limits Increase for 2021

In May 2020, the IRS released Revenue Procedure 2020-32 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2021.…

People of Horton: Amy Vos

Team player. Go-getter. Dealmaker. Amy came to Horton fresh out of college.

Wine Collection Insurance: How It Works

So you’ve become a wine collector. What began as keeping a few bottles on hand developed into a passion for collecting. That hobby cellar has…

Stop Loss Captives – An Explanation

In today’s climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. As every business is unique and requires its own…

IRS Releases the Final Forms and Instructions for 2020 ACA Reporting

Highlights Final forms and instructions for 2020 reporting under Sections 6055 and 6056 are now available. The “Plan Start Month” box on the Form 1095-C…

New FAQs for Paycheck Protection Program Loan Forgiveness Issued by SBA

Recently, the Small Business Administration (SBA) published a new set of answers to frequently asked questions about the forgiveness of loans issued under the federal Paycheck Protection…

The 7 Biggest Threats Facing High Net Worth Families Today

Ironically, good fortune often exacerbates the challenges facing high net worth families, whose affluence makes them more vulnerable to investment fraud, kidnapping, cyberattacks and other menaces.…

The Top 5 Risks: How to Protect Your Wine Collection from Harm

Properly stored, many wines can age for decades. They increase in complexity and beauty—and, over time, some increase in value. But all wines are relatively…

Best Practices on How Employers Should Handle MLR Rebates

Highlights Overview: The ACA requires health insurers to spend a minimum percentage of their premium dollars, or MLR, on medical care and health care quality…

Looming Weather and Climate Disasters of 2020

Tornadoes, hail, floods, wildfires, hurricanes, and winter weather are happening with higher frequency across the U.S. Being in the Midwest, we sometimes feel an immunity…

ACA Pay or Play Penalties Will Increase for 2021

The Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer affordable, minimum value health coverage to their full-time employees or pay a penalty.…

Federal Court Strikes Down Part of the DOL Joint Employment Rule

On Sept. 8, 2020, a federal district court struck down parts of the U.S. Department of Labor (DOL) joint employer rule. This new rule became…