{"id":1958,"date":"2025-12-25T19:26:46","date_gmt":"2025-12-25T19:26:46","guid":{"rendered":"https:\/\/fincmo.com\/hbl_staging\/?page_id=1958"},"modified":"2026-01-07T02:53:39","modified_gmt":"2026-01-07T02:53:39","slug":"health-welfare-plans","status":"publish","type":"page","link":"https:\/\/fincmo.com\/hbl_staging\/health-welfare-plans\/","title":{"rendered":"Health &#038; Welfare Plans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1958\" class=\"elementor elementor-1958\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a22c4bf e-flex e-con-boxed e-con e-parent\" data-id=\"a22c4bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b4abd54 e-con-full e-flex e-con e-child\" data-id=\"b4abd54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-438bfca e-con-full e-flex e-con e-child\" data-id=\"438bfca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68ed113 elementor-widget elementor-widget-elementskit-heading\" data-id=\"68ed113\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-abcbff0 e-con-full e-flex e-con e-child\" data-id=\"abcbff0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f035cb0 elementor-widget elementor-widget-text-editor\" data-id=\"f035cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We help employers maintain ERISA compliance for health and welfare benefit plans through practical, risk-focused legal guidance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef8c24d e-con-full e-flex e-con e-child\" data-id=\"ef8c24d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a16615 elementor-widget elementor-widget-elementskit-heading\" data-id=\"6a16615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><a href=\"\/\"><div class=\"ekit-heading--title elementskit-section-title \">Home<\/div><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d54623 elementor-widget elementor-widget-elementskit-heading\" data-id=\"9d54623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><div class=\"ekit-heading--title elementskit-section-title \">\/<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ccd595 elementor-widget elementor-widget-elementskit-heading\" data-id=\"5ccd595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a41c4a e-flex e-con-boxed e-con e-parent\" data-id=\"4a41c4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f8337a8 e-con-full e-flex e-con e-child\" data-id=\"f8337a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-38d2537 e-con-full e-flex e-con e-child\" data-id=\"38d2537\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1253f7a elementor-widget elementor-widget-image\" data-id=\"1253f7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"720\" height=\"1080\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-young-cheerful-and-friendly-men-and-women-2023-11-27-05-24-48-utc-1.jpg\" class=\"attachment-full size-full wp-image-1278\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-young-cheerful-and-friendly-men-and-women-2023-11-27-05-24-48-utc-1.jpg 720w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-young-cheerful-and-friendly-men-and-women-2023-11-27-05-24-48-utc-1-200x300.jpg 200w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-young-cheerful-and-friendly-men-and-women-2023-11-27-05-24-48-utc-1-683x1024.jpg 683w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b43040 elementor-widget elementor-widget-image\" data-id=\"2b43040\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-1024x682.jpg\" class=\"attachment-large size-large wp-image-1263\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-1024x682.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-768x511.jpg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd0e0d0 e-con-full e-flex e-con e-child\" data-id=\"bd0e0d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d103548 elementor-widget elementor-widget-elementskit-heading\" data-id=\"d103548\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tHealth and Welfare Plans Services at Hall Benefits Law\n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \">Health &amp; Welfare Plans<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Navigating complex health and welfare plans challenges for employers in Atlanta and nationwide demands specialized knowledge of ERISA, HIPAA, COBRA, and evolving healthcare regulations. At Hall Benefits Law (HBL), our health and welfare plans attorneys offer comprehensive guidance on plan design, implementation, administration, and compliance to help organizations manage costs, reduce risks, and ensure effective employee benefits. With extensive experience, we've assisted clients in correcting administration errors and adapting to mandates like the Affordable Care Act (ACA), where non-compliance can lead to penalties exceeding $100 per day per affected individual. For example, recent IRS updates on health and welfare benefit limits highlight the importance of annual adjustments to avoid tax issues.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Whether you're dealing with health savings accounts (HSAs), health reimbursement arrangements (HRAs), wellness programs, or retiree health plans, our team provides practical solutions tailored to your business. Common searches like \"how to ensure HIPAA compliance for health plans\" or \"managing COBRA requirements in Atlanta\" are central to our practice, where we focus on proactive strategies to prevent audits and enhance plan efficiency. Contact our experienced health and welfare plans counsel today to discuss your needs.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebb3e8c e-flex e-con-boxed e-con e-parent\" data-id=\"ebb3e8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-31710c2 e-con-full e-flex e-con e-child\" data-id=\"31710c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7d89cf elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-elementskit-heading\" data-id=\"a7d89cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><div class=\"ekit-heading--title elementskit-section-title \">Our Leadership in Health &amp; Welfare Plans Legal Matters<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8498b62 e-con-full e-flex e-con e-child\" data-id=\"8498b62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83a8a9e elementor-widget elementor-widget-text-editor\" data-id=\"83a8a9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As trusted advisors in health and welfare plans, the team at Hall Benefits Law combines deep regulatory insight with hands-on experience to support employers in maintaining compliant, cost-effective benefits. We&#8217;ve helped clients navigate cybersecurity threats to plan data, as emphasized in recent DOL guidance, and mitigate risks in pharmacy benefit manager (PBM) contracts that can inflate costs by up to 20-30% if not properly negotiated. Our approach includes on-site training and custom redesigns to align plans with business goals while minimizing fiduciary liabilities.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-941787f e-con-full e-flex e-con e-child\" data-id=\"941787f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ca7ac71 e-con-full e-flex e-con e-child\" data-id=\"ca7ac71\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20a82cf elementor-widget elementor-widget-image\" data-id=\"20a82cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"719\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc.jpg\" class=\"attachment-full size-full wp-image-1263\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc.jpg 1080w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-1024x682.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/group-of-professional-business-people-are-working-2024-07-09-00-56-24-utc-768x511.jpg 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da2d0e6 elementor-widget elementor-widget-elementskit-heading\" data-id=\"da2d0e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Plan Design and Maintenance<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">We handle drafting, implementation, and ongoing administration of wrap plans, cafeteria plans, HSAs, HRAs, and fringe benefits, ensuring ERISA compliance and integration with ACA requirements.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18e7d7c e-con-full e-flex e-con e-child\" data-id=\"18e7d7c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-745feb6 elementor-widget elementor-widget-image\" data-id=\"745feb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"577\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-meeting-planning-and-people-manager-with-2023-11-27-05-17-56-utc-1024x738.jpg\" class=\"attachment-large size-large wp-image-1264\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-meeting-planning-and-people-manager-with-2023-11-27-05-17-56-utc-1024x738.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-meeting-planning-and-people-manager-with-2023-11-27-05-17-56-utc-300x216.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-meeting-planning-and-people-manager-with-2023-11-27-05-17-56-utc-768x553.jpg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-meeting-planning-and-people-manager-with-2023-11-27-05-17-56-utc.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7243963 elementor-widget elementor-widget-elementskit-heading\" data-id=\"7243963\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Cost-Reduction Strategies<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Advising on retiree welfare benefits to lower expenses, including leveraging exemptions and restructuring for tax efficiency, as seen in IRS annual limit updates.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60c3367 e-con-full e-flex e-con e-child\" data-id=\"60c3367\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01dc630 elementor-widget elementor-widget-image\" data-id=\"01dc630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/businessmen-are-getting-a-lot-of-dollars-from-thei-2023-11-27-05-01-22-utc-1024x683.jpg\" class=\"attachment-large size-large wp-image-1253\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/businessmen-are-getting-a-lot-of-dollars-from-thei-2023-11-27-05-01-22-utc-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/businessmen-are-getting-a-lot-of-dollars-from-thei-2023-11-27-05-01-22-utc-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/businessmen-are-getting-a-lot-of-dollars-from-thei-2023-11-27-05-01-22-utc-768x512.jpg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/businessmen-are-getting-a-lot-of-dollars-from-thei-2023-11-27-05-01-22-utc.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2485268 elementor-widget elementor-widget-elementskit-heading\" data-id=\"2485268\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Corrections and Redesign<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Fixing documentation errors and administration issues through IRS and DOL programs, often preventing penalties that could reach thousands per violation.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c980a1 e-con-full e-flex e-con e-child\" data-id=\"5c980a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-65d636d e-con-full e-flex e-con e-child\" data-id=\"65d636d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb40330 elementor-widget elementor-widget-image\" data-id=\"bb40330\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-team-and-lawyers-discussing-contract-pape-2023-11-27-05-03-22-utc-1-1-1024x682.jpg\" class=\"attachment-large size-large wp-image-1270\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-team-and-lawyers-discussing-contract-pape-2023-11-27-05-03-22-utc-1-1-1024x682.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-team-and-lawyers-discussing-contract-pape-2023-11-27-05-03-22-utc-1-1-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-team-and-lawyers-discussing-contract-pape-2023-11-27-05-03-22-utc-1-1-768x511.jpg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-team-and-lawyers-discussing-contract-pape-2023-11-27-05-03-22-utc-1-1.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e362147 elementor-widget elementor-widget-elementskit-heading\" data-id=\"e362147\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">HIPAA and COBRA Compliance<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Providing HIPAA training and compliance support, plus COBRA administration to manage continuation coverage seamlessly. As Jean Yu notes, \"Robust HIPAA protocols are crucial in today's data-driven environment to protect sensitive health information and avoid breaches.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aefc71e e-con-full e-flex e-con e-child\" data-id=\"aefc71e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e85158 elementor-widget elementor-widget-image\" data-id=\"8e85158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-1024x683.jpg\" class=\"attachment-large size-large wp-image-1252\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-768x512.jpg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7c2e7a elementor-widget elementor-widget-elementskit-heading\" data-id=\"f7c2e7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper    ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Audits and Mergers Support<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Guiding on evolving mandates, including cybersecurity for all benefit plans and PBM contract risks<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1f1be0 e-con-full e-flex e-con e-child\" data-id=\"e1f1be0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e82a926 elementor-widget elementor-widget-image\" data-id=\"e82a926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-1024x683.jpg\" class=\"attachment-large size-large wp-image-1252\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc-768x512.jpg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/business-people-meeting-in-a-business-park-2023-11-27-05-29-12-utc.jpg 1080w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-786a22e elementor-widget elementor-widget-elementskit-heading\" data-id=\"786a22e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper    ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Regulatory Adaptations<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Assisting with IRS\/DOL audits and health plan issues in M&amp;A, ensuring smooth transitions without compliance gaps.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d146cbb elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d146cbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We serve diverse clients, including small, mid-sized, and large companies, health insurance brokers, accountants, and HR consultants, with a strong presence for Atlanta-based employers and national scope. For related retirement aspects, see our Retirement Plans page.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa6b980 e-flex e-con-boxed e-con e-parent\" data-id=\"aa6b980\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d5d8637 e-con-full e-flex e-con e-child\" data-id=\"d5d8637\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4f2b57 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-heading\" data-id=\"c4f2b57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><div class=\"ekit-heading--title elementskit-section-title \">Common Challenges and Solutions<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3e34e7 e-con-full e-flex e-con e-child\" data-id=\"b3e34e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-806a1e2 e-con-full e-flex e-con e-child\" data-id=\"806a1e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c65729e e-con-full e-flex e-con e-child\" data-id=\"c65729e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7f1e1e7 e-con-full e-flex e-con e-child\" data-id=\"7f1e1e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc5c0a8 e-con-full e-flex e-con e-child\" data-id=\"fc5c0a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce94e69 elementor-widget elementor-widget-elementskit-heading\" data-id=\"ce94e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tChallenge: \n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \">Ensuring HIPAA Compliance in Health Plans<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Employers often face data breaches or inadequate privacy measures, risking fines up to $50,000 per violation.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-811e894 elementor-widget elementor-widget-heading\" data-id=\"811e894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solution:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a0dfcc elementor-widget elementor-widget-text-editor\" data-id=\"9a0dfcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We conduct on-site training and audits to implement secure protocols, reducing breach risks by aligning with DOL cybersecurity guidance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea4dc87 e-con-full e-flex e-con e-child\" data-id=\"ea4dc87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fa5ca01 e-con-full e-flex e-con e-child\" data-id=\"fa5ca01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9103a elementor-widget elementor-widget-elementskit-heading\" data-id=\"bb9103a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tChallenge: \n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \">Managing COBRA Requirements<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Complex notification and election processes can lead to non-compliance and lawsuits.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02f0af2 elementor-widget elementor-widget-heading\" data-id=\"02f0af2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solution:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b9d5d elementor-widget elementor-widget-text-editor\" data-id=\"65b9d5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Our team drafts compliant notices and procedures, streamlining administration to prevent penalties and ensure continuity.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85aa12f e-con-full e-flex e-con e-child\" data-id=\"85aa12f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-196a698 e-con-full e-flex e-con e-child\" data-id=\"196a698\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1e3c310 e-con-full e-flex e-con e-child\" data-id=\"1e3c310\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5193d8a e-con-full e-flex e-con e-child\" data-id=\"5193d8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35e6d19 elementor-widget elementor-widget-elementskit-heading\" data-id=\"35e6d19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tChallenge: \n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \"> Controlling Costs in PBM Contracts<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Hidden fees and opaque pricing in pharmacy benefits can drive up health plan expenses.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b58ed36 elementor-widget elementor-widget-heading\" data-id=\"b58ed36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solution:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a27e08e elementor-widget elementor-widget-text-editor\" data-id=\"a27e08e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We negotiate and review contracts to mitigate risks, incorporating fiduciary best practices for transparency and savings.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48ebdf3 e-con-full e-flex e-con e-child\" data-id=\"48ebdf3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4d84ecc e-con-full e-flex e-con e-child\" data-id=\"4d84ecc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4e893e elementor-widget elementor-widget-elementskit-heading\" data-id=\"f4e893e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tChallenge: \n\t\t\t\t\t<\/h3><h2 class=\"ekit-heading--title elementskit-section-title \">Adapting to ACA and Regulatory Changes<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Evolving healthcare laws under administrations can disrupt plan designs.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1187d6f elementor-widget elementor-widget-heading\" data-id=\"1187d6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solution:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a0e976 elementor-widget elementor-widget-text-editor\" data-id=\"6a0e976\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Providing forward-looking advice on potential shifts, such as those anticipated under new policies, to maintain compliance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5194f4c e-con-full e-flex e-con e-child\" data-id=\"5194f4c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76b7e80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76b7e80\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-90a65cb\" data-id=\"90a65cb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5cc0b57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cc0b57\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5d0f586\" data-id=\"5d0f586\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb711ff elementor-widget elementor-widget-heading\" data-id=\"eb711ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQs on  Health &amp; Welfare Plans\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c7e175 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"0c7e175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69fea84c763ed\">\n\n            \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-0c7e175\">\n                        <a href=\"#collapse-2082e8b69fea84c763ed\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2082e8b69fea84c763ed\" aria-expanded=\"false\" aria-controls=\"Collapse-2082e8b69fea84c763ed\">\n                            \n                            <span class=\"ekit-accordion-title\">What are health and welfare plans under ERISA?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2082e8b69fea84c763ed\" class=\" collapse\" aria-labelledby=\"primaryHeading-0-0c7e175\" data-parent=\"#accordion-69fea84c763ed\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">These include wrap plans, HSAs, HRAs, wellness programs, and retiree health benefits governed by ERISA for compliance, disclosure, and fiduciary standards.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-0c7e175\">\n                        <a href=\"#collapse-321851669fea84c763ed\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-321851669fea84c763ed\" aria-expanded=\"false\" aria-controls=\"Collapse-321851669fea84c763ed\">\n                            \n                            <span class=\"ekit-accordion-title\">How can employers ensure HIPAA compliance for Atlanta-based health plans?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-321851669fea84c763ed\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-0c7e175\" data-parent=\"#accordion-69fea84c763ed\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">By implementing privacy training, secure data handling, and regular audits\u2014our Georgia health and welfare attorneys help customize these to meet federal requirements.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-0c7e175\">\n                        <a href=\"#collapse-22c66e669fea84c763ed\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-22c66e669fea84c763ed\" aria-expanded=\"false\" aria-controls=\"Collapse-22c66e669fea84c763ed\">\n                            \n                            <span class=\"ekit-accordion-title\">What are common COBRA compliance pitfalls?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-22c66e669fea84c763ed\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-0c7e175\" data-parent=\"#accordion-69fea84c763ed\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Missing notification deadlines or improper election processes; we guide on drafting disclosures to avoid fines exceeding $110 per day.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-0c7e175\">\n                        <a href=\"#collapse-f66d3ed69fea84c763ed\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f66d3ed69fea84c763ed\" aria-expanded=\"false\" aria-controls=\"Collapse-f66d3ed69fea84c763ed\">\n                            \n                            <span class=\"ekit-accordion-title\">How do recent DOL cybersecurity updates affect health plans?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f66d3ed69fea84c763ed\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-0c7e175\" data-parent=\"#accordion-69fea84c763ed\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">They confirm applicability to all benefit plans, emphasizing protections against cybercriminals targeting personal data.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-0c7e175\">\n                        <a href=\"#collapse-c63156e69fea84c763ed\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c63156e69fea84c763ed\" aria-expanded=\"false\" aria-controls=\"Collapse-c63156e69fea84c763ed\">\n                            \n                            <span class=\"ekit-accordion-title\">What strategies mitigate risks in PBM contracts?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c63156e69fea84c763ed\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-0c7e175\" data-parent=\"#accordion-69fea84c763ed\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Fiduciary oversight, transparent negotiations, and regular reviews to control costs and ensure plan integrity.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-0c7e175\">\n                        <a href=\"#collapse-f11d27a69fea84c763ed\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f11d27a69fea84c763ed\" aria-expanded=\"false\" aria-controls=\"Collapse-f11d27a69fea84c763ed\">\n                            \n                            <span class=\"ekit-accordion-title\">How might employer health plans change under the Trump administration? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow1\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f11d27a69fea84c763ed\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-0c7e175\" data-parent=\"#accordion-69fea84c763ed\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Potential ACA adjustments could impact mandates and costs; staying proactive with thorough guidance is key.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ece5c4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ece5c4c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5cd8307\" data-id=\"5cd8307\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:600}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-063b376 elementor-widget elementor-widget-heading\" data-id=\"063b376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Awards &amp; Recognition\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-185cca8 elementor-widget elementor-widget-text-editor\" data-id=\"185cca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Hall Benefits Law&#8217;s Health &amp; Welfare Plans team has received recognition in employee benefits law, underscoring our experience in this area. The firm is a 2025 Best Law Firms\u00ae recipient. Managing Partner Anne Tyler Hall is recognized for Employee Benefits (ERISA) Law in The Best Lawyers in America\u00ae 2025 edition. Anne Tyler Hall is a past Super Lawyers Rising Star recipient, and the firm is an Inc. 5000 business, recognized as the fastest-growing firm of its kind in the U.S. for nearly a decade.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d654679\" data-id=\"d654679\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdc195c elementor-arrows-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"bdc195c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;3&quot;,&quot;navigation&quot;:&quot;arrows&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;slides_to_show_mobile&quot;:&quot;2&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"polite\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 3\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/012c1565-ffa6-407e-aa7d-51c76fea0841-removebg-preview-e1765588559537.png\" alt=\"012c1565-ffa6-407e-aa7d-51c76fea0841-removebg-preview\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 3\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/1910.i211.034.P.m004.c25.award_medal_realistic_set-03-removebg-preview-e1765588639479.png\" alt=\"1910.i211.034.P.m004.c25.award_medal_realistic_set-03-removebg-preview\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 3\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/6cc3d270-c8c3-48a0-a790-a284966d618e-removebg-preview-e1765588599616.png\" alt=\"6cc3d270-c8c3-48a0-a790-a284966d618e-removebg-preview\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-f89f294 e-flex e-con-boxed e-con e-parent\" data-id=\"f89f294\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1eca2f04 e-con-full e-flex e-con e-child\" data-id=\"1eca2f04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76a1fa79 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-elementskit-heading\" data-id=\"76a1fa79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tStay Informed\n\t\t\t\t\t<\/h3><div class=\"ekit-heading--title elementskit-section-title \">Insights and Resources<\/div>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Stay ahead with our latest thought leadership on Health &amp; Welfare Plans:<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71693ae4 e-con-full e-flex e-con e-child\" data-id=\"71693ae4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7487948d e-con-full e-flex e-con e-child\" data-id=\"7487948d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62a6e60 elementor-arrows-position-inside elementor-widget elementor-widget-loop-carousel\" data-id=\"62a6e60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1765&quot;,&quot;_skin&quot;:&quot;post&quot;,&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;.elementor-loop-container&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_sides&quot;:&quot;none&quot;,&quot;arrows&quot;:&quot;yes&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-carousel.post\">\n\t\t\t\t\t\t\t<div class=\"swiper elementor-loop-container elementor-grid\" role=\"list\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t<style id=\"loop-1765\">.elementor-1765 .elementor-element.elementor-element-4a53227{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--padding-top:20px;--padding-bottom:20px;--padding-left:20px;--padding-right:20px;}.elementor-1765 .elementor-element.elementor-element-4a53227:not(.elementor-motion-effects-element-type-background), .elementor-1765 .elementor-element.elementor-element-4a53227 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-6e46f34 );}.elementor-1765 .elementor-element.elementor-element-6dc0ee6 img{filter:brightness( 100% ) contrast( 100% ) saturate( 0% ) blur( 0px ) hue-rotate( 0deg );transition-duration:1s;}.elementor-1765 .elementor-element.elementor-element-6dc0ee6:hover img{filter:brightness( 100% ) contrast( 100% ) saturate( 100% ) blur( 0px ) hue-rotate( 0deg );}.elementor-1765 .elementor-element.elementor-element-2f5f171 .elementor-heading-title{font-family:var( --e-global-typography-b72d95a-font-family ), Sans-serif;font-size:var( --e-global-typography-b72d95a-font-size );font-weight:var( --e-global-typography-b72d95a-font-weight );line-height:var( --e-global-typography-b72d95a-line-height );letter-spacing:var( --e-global-typography-b72d95a-letter-spacing );word-spacing:var( --e-global-typography-b72d95a-word-spacing );color:var( --e-global-color-primary );}.elementor-1765 .elementor-element.elementor-element-2f5f171 .elementor-heading-title a:hover, .elementor-1765 .elementor-element.elementor-element-2f5f171 .elementor-heading-title a:focus{color:var( --e-global-color-secondary );}.elementor-1765 .elementor-element.elementor-element-5700a1b{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );}.elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button{font-family:var( --e-global-typography-b72d95a-font-family ), Sans-serif;font-size:var( --e-global-typography-b72d95a-font-size );font-weight:var( --e-global-typography-b72d95a-font-weight );line-height:var( --e-global-typography-b72d95a-line-height );letter-spacing:var( --e-global-typography-b72d95a-letter-spacing );word-spacing:var( --e-global-typography-b72d95a-word-spacing );fill:var( --e-global-color-41850fb );color:var( --e-global-color-41850fb );background-color:var( --e-global-color-primary );}.elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button:hover, .elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button:focus{color:var( --e-global-color-41850fb );background-color:var( --e-global-color-secondary );}.elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button:hover svg, .elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button:focus svg{fill:var( --e-global-color-41850fb );}@media(max-width:1024px){.elementor-1765 .elementor-element.elementor-element-2f5f171 .elementor-heading-title{font-size:var( --e-global-typography-b72d95a-font-size );line-height:var( --e-global-typography-b72d95a-line-height );letter-spacing:var( --e-global-typography-b72d95a-letter-spacing );word-spacing:var( --e-global-typography-b72d95a-word-spacing );}.elementor-1765 .elementor-element.elementor-element-5700a1b{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button{font-size:var( --e-global-typography-b72d95a-font-size );line-height:var( --e-global-typography-b72d95a-line-height );letter-spacing:var( --e-global-typography-b72d95a-letter-spacing );word-spacing:var( --e-global-typography-b72d95a-word-spacing );}}@media(max-width:767px){.elementor-1765 .elementor-element.elementor-element-2f5f171 .elementor-heading-title{font-size:var( --e-global-typography-b72d95a-font-size );line-height:var( --e-global-typography-b72d95a-line-height );letter-spacing:var( --e-global-typography-b72d95a-letter-spacing );word-spacing:var( --e-global-typography-b72d95a-word-spacing );}.elementor-1765 .elementor-element.elementor-element-5700a1b{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-1765 .elementor-element.elementor-element-3d6c1ea .elementor-button{font-size:var( --e-global-typography-b72d95a-font-size );line-height:var( --e-global-typography-b72d95a-line-height );letter-spacing:var( --e-global-typography-b72d95a-letter-spacing );word-spacing:var( --e-global-typography-b72d95a-word-spacing );}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1765\" class=\"elementor elementor-1765 swiper-slide e-loop-item e-loop-item-1667 post-1667 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-health-welfare\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-4a53227 e-flex e-con-boxed e-con e-parent\" data-id=\"4a53227\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc0ee6 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6dc0ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/hall-benefits-law-erisa-partners-ranked-by-best-lawyers-in-america-2025-edition\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"720\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/discussion-at-business-conference-2023-11-27-05-22-08-utc-1-1.jpg\" class=\"attachment-full size-full wp-image-1268\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/discussion-at-business-conference-2023-11-27-05-22-08-utc-1-1.jpg 1080w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/discussion-at-business-conference-2023-11-27-05-22-08-utc-1-1-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/discussion-at-business-conference-2023-11-27-05-22-08-utc-1-1-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/10\/discussion-at-business-conference-2023-11-27-05-22-08-utc-1-1-768x512.jpg 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f5f171 blog-title-hbl elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2f5f171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/hall-benefits-law-erisa-partners-ranked-by-best-lawyers-in-america-2025-edition\/\">Hall Benefits Law ERISA Partners Ranked by Best Lawyers in America\u00ae 2025 Edition<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5700a1b elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5700a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tATLANTA, Aug. 28, 2024 \/PRNewswire\/ \u2014 National boutique ERISA and executive compensation law firm Hall Benefits Law (HBL),\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6c1ea elementor-widget elementor-widget-button\" data-id=\"3d6c1ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fincmo.com\/hbl_staging\/hall-benefits-law-erisa-partners-ranked-by-best-lawyers-in-america-2025-edition\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1765\" class=\"elementor elementor-1765 swiper-slide e-loop-item e-loop-item-1664 post-1664 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-health-welfare\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-4a53227 e-flex e-con-boxed e-con e-parent\" data-id=\"4a53227\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc0ee6 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6dc0ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act.jpg\" class=\"attachment-full size-full wp-image-1665\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act.jpg 1200w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f5f171 blog-title-hbl elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2f5f171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act\/\">Fifth Circuit Bars Private Right of Action to Enforce IDR Awards Under No Surprises Act<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5700a1b elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5700a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tThe U.S. Court of Appeals for the Fifth Circuit has affirmed two decisions of a lower court barring air ambulance\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6c1ea elementor-widget elementor-widget-button\" data-id=\"3d6c1ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fincmo.com\/hbl_staging\/fifth-circuit-bars-private-right-of-action-to-enforce-idr-awards-under-no-surprises-act\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1765\" class=\"elementor elementor-1765 swiper-slide e-loop-item e-loop-item-1660 post-1660 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-health-welfare\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-4a53227 e-flex e-con-boxed e-con e-parent\" data-id=\"4a53227\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc0ee6 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6dc0ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute.jpg\" class=\"attachment-full size-full wp-image-1662\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute.jpg 1200w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f5f171 blog-title-hbl elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2f5f171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute\/\">Colgate-Palmolive Reaches $332 Million Settlement in Pension Dispute<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5700a1b elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5700a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tColgate-Palmolive and its retirees are asking a federal court to approve a $332 million settlement in a class action lawsuit\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6c1ea elementor-widget elementor-widget-button\" data-id=\"3d6c1ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fincmo.com\/hbl_staging\/colgate-palmolive-reaches-332-million-settlement-in-pension-dispute\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1765\" class=\"elementor elementor-1765 swiper-slide e-loop-item e-loop-item-1657 post-1657 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-health-welfare\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-4a53227 e-flex e-con-boxed e-con e-parent\" data-id=\"4a53227\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc0ee6 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6dc0ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/4-appellate-arguments-for-benefits-attys-to-watch-in-sept\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"225\" height=\"225\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/images-1.png\" class=\"attachment-full size-full wp-image-2313\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/images-1.png 225w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/images-1-150x150.png 150w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f5f171 blog-title-hbl elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2f5f171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/4-appellate-arguments-for-benefits-attys-to-watch-in-sept\/\">4 Appellate Arguments For Benefits Attys To Watch In Sept.<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5700a1b elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5700a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tLaw360 (August 29, 2025, 4:54 PM EDT) \u2014 Yellow Corp. seeks to revive a $137 million breach dispute against the\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6c1ea elementor-widget elementor-widget-button\" data-id=\"3d6c1ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fincmo.com\/hbl_staging\/4-appellate-arguments-for-benefits-attys-to-watch-in-sept\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1765\" class=\"elementor elementor-1765 swiper-slide e-loop-item e-loop-item-1651 post-1651 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized tag-health-welfare\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-4a53227 e-flex e-con-boxed e-con e-parent\" data-id=\"4a53227\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc0ee6 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6dc0ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa.jpg\" class=\"attachment-full size-full wp-image-1652\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa.jpg 1200w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa-1024x683.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f5f171 blog-title-hbl elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"2f5f171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa\/\">DOL Finds Morgan Stanley\u2019s Deferred Compensation Program Exempt from ERISA<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5700a1b elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5700a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tThe U.S. Department of Labor (DOL) has issued Advisory Opinion 2025-03A, in which it resolves a dispute over Morgan Stanley\u2019s\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6c1ea elementor-widget elementor-widget-button\" data-id=\"3d6c1ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fincmo.com\/hbl_staging\/dol-finds-morgan-stanleys-deferred-compensation-program-exempt-from-erisa\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 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papers, and regulatory updates.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41b94a4 e-flex e-con-boxed e-con e-parent\" data-id=\"41b94a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-129d015 e-con-full e-flex e-con e-child\" data-id=\"129d015\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e345e96 elementor-widget elementor-widget-elementskit-heading\" data-id=\"e345e96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h3 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tMeet the Team\n\t\t\t\t\t<\/h3><div class=\"ekit-heading--title elementskit-section-title \">Our Professional Team<\/div>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Our professionals bring extensive experience in health and welfare matters. Contact our key team members:<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9f79c7 e-con-full e-flex e-con e-child\" data-id=\"c9f79c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17ca4a7 e-con-full e-flex e-con e-child\" data-id=\"17ca4a7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8c0192a e-con-full e-flex e-con e-child\" data-id=\"8c0192a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ef9c60e e-con-full e-flex e-con e-child\" data-id=\"ef9c60e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a95a3f9 elementor-widget elementor-widget-image\" data-id=\"a95a3f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/anne-tyler-hall\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Anna-Taylor-Hall-HBL.jpeg\" class=\"attachment-large size-large wp-image-1924\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Anna-Taylor-Hall-HBL.jpeg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Anna-Taylor-Hall-HBL-300x300.jpeg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Anna-Taylor-Hall-HBL-150x150.jpeg 150w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Anna-Taylor-Hall-HBL-768x768.jpeg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Anna-Taylor-Hall-HBL-700x700.jpeg 700w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f3ff0 elementor-widget elementor-widget-elementskit-heading\" data-id=\"c2f3ff0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/anne-tyler-hall\/\"><h2 class=\"ekit-heading--title elementskit-section-title \">Anne Tyler Hall<\/h2><\/a><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle  \">\n\t\t\t\t\t\tManaging Partner\n\t\t\t\t\t<\/h3>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><strong>Contact: (470) 344-6773<\/strong><br \/>\nSpecializing in ERISA compliance for health plans, with recognition in Best Lawyers 2025.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-836c4aa e-con-full e-flex e-con e-child\" data-id=\"836c4aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a2a48 elementor-widget elementor-widget-image\" data-id=\"e6a2a48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/tim-kennedy\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Web-Size_retouchedfinals_TimKennedy045.jpg\" class=\"attachment-large size-large wp-image-2248\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Web-Size_retouchedfinals_TimKennedy045.jpg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Web-Size_retouchedfinals_TimKennedy045-300x200.jpg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Web-Size_retouchedfinals_TimKennedy045-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafd78d elementor-widget elementor-widget-elementskit-heading\" data-id=\"bafd78d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/tim-kennedy\/\"><h2 class=\"ekit-heading--title elementskit-section-title \">Tim Kennedy<\/h2><\/a><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle  \">\n\t\t\t\t\t\tPartner\n\t\t\t\t\t<\/h3>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><strong>Contact: (470) 344-8272<\/strong><br \/>\nFocuses on audits and regulatory adaptations for welfare benefits.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b972be e-con-full e-flex e-con e-child\" data-id=\"9b972be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9580231 elementor-widget elementor-widget-image\" data-id=\"9580231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/samuel-krause\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/samuel-krause.jpeg\" class=\"attachment-large size-large wp-image-2250\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/samuel-krause.jpeg 1024w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/samuel-krause-300x300.jpeg 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/samuel-krause-150x150.jpeg 150w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/samuel-krause-768x768.jpeg 768w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/samuel-krause-700x700.jpeg 700w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-654fd41 elementor-widget elementor-widget-elementskit-heading\" data-id=\"654fd41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/samuel-krause\/\"><h2 class=\"ekit-heading--title elementskit-section-title \">Samuel Krause<\/h2><\/a><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle  \">\n\t\t\t\t\t\tPartner\n\t\t\t\t\t<\/h3>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><strong>Contact: (678) 439-6236<\/strong><br \/>\nHandles M&amp;A-related health plan issues.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-558acc1 e-con-full e-flex e-con e-child\" data-id=\"558acc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b45cb4b e-con-full e-flex e-con e-child\" data-id=\"b45cb4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0e8e5 elementor-widget elementor-widget-image\" data-id=\"1c0e8e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/susan-g-curtis\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"533\" height=\"532\" src=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Susan-G-Curtis-HBL.png\" class=\"attachment-large size-large wp-image-1935\" alt=\"\" srcset=\"https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Susan-G-Curtis-HBL.png 533w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Susan-G-Curtis-HBL-300x300.png 300w, https:\/\/fincmo.com\/hbl_staging\/wp-content\/uploads\/2025\/12\/Susan-G-Curtis-HBL-150x150.png 150w\" sizes=\"(max-width: 533px) 100vw, 533px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2add64 elementor-widget elementor-widget-elementskit-heading\" data-id=\"a2add64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><a href=\"https:\/\/fincmo.com\/hbl_staging\/team\/susan-g-curtis\/\"><h2 class=\"ekit-heading--title elementskit-section-title \">Susan G. Curtis<\/h2><\/a><h3 class=\"ekit-heading--subtitle elementskit-section-subtitle  \">\n\t\t\t\t\t\tPartner\n\t\t\t\t\t<\/h3>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Advises on cost-reduction and PBM strategies.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-912e6c4 e-con-full e-flex e-con e-child\" data-id=\"912e6c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b668d2 e-con-full e-flex e-con e-child\" data-id=\"1b668d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c58a84b e-flex e-con-boxed e-con e-parent\" data-id=\"5c58a84b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-200a5f88 e-con-full e-flex e-con e-child\" data-id=\"200a5f88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f35305 elementor-widget elementor-widget-elementskit-heading\" data-id=\"8f35305\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Ready to optimize your Health &amp; Welfare Plans strategy?<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p><span style=\"font-weight: 400\">Reach out to Hall Benefits Law's team in Atlanta for personalized guidance.<\/span><\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e3ae96 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"45e3ae96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/fincmo.com\/hbl_staging\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>We help employers maintain ERISA compliance for health and welfare benefit plans through practical, risk-focused legal guidance. Home \/ Health and Welfare Plans Services at Hall Benefits Law Health &amp; Welfare Plans Navigating complex health and welfare plans challenges for employers in Atlanta and nationwide demands specialized knowledge of ERISA, HIPAA, COBRA, and evolving healthcare [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1958","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/pages\/1958","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/comments?post=1958"}],"version-history":[{"count":9,"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/pages\/1958\/revisions"}],"predecessor-version":[{"id":2668,"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/pages\/1958\/revisions\/2668"}],"wp:attachment":[{"href":"https:\/\/fincmo.com\/hbl_staging\/wp-json\/wp\/v2\/media?parent=1958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}