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Small Business Resources
Your one-stop source for news, tools, and expert guidance to help you support your small business and your team.


IRS Announces Excepted Benefit HRA Limit for 2026
On May 1, 2025, the IRS released the inflation-adjusted limit for excepted benefit health reimbursement arrangements (EBHRAs) for plan...
Jul 7, 20252 min read


State Disability Insurance Laws
01/01/25 State Disability Insurance Laws Disability insurance provides wage replacement benefits for employees who are unable to perform...
Jul 7, 20251 min read


Health Plan Deductibles and OOPMs - Key Concepts for Employers
Deductibles and out-of-pocket maximums (OOPMs) are important cost-sharing parameters for health plans. A deductible is the amount an...
Jun 25, 20259 min read


Wellness In the News
Catch up on the latest wellness-related developments from the past month. Spring Allergy Season Expected to Be Longer and More Severe As...
Jun 25, 20254 min read


EMPLOYEE HANDBOOK QUIZ (Answers Included)
This employee handbook quiz is designed to test employees’ HR knowledge as it pertains to ’s company policy using De La Torre &...
Jun 21, 202512 min read




HSA/HDHP Limits Will Increase for 2026
On May 1, 2025, the IRS released Revenue Procedure 2025-19 to provide the inflation-adjusted limits for health savings accounts (HSAs)...
Jun 17, 20252 min read


6 Cost-Cutting Tips for Small Businesses
In today’s economic climate, employers are seeking strategic ways to reduce costs and protect financial stability—without resorting to budget cuts or layoffs. Leading organizations focus on streamlining operations, managing expenses, and supporting long-term growth.
May 10, 20252 min read


HSA/HDHP Limits Will Increase for 2025
On May 9, 2024, the IRS released Revenue Procedure 2024-25 to provide the inflation-adjusted limits for health savings accounts (HSAs)...
May 14, 20242 min read


Employee Leave – Legal Rules
Employees may need to take time off from work for various reasons, including for their own medical situations or family emergencies....
May 14, 202415 min read


New HIPPA Rule Will Require Updates to Privacy Notices
On April 26, 2024, the U.S. Department of Health and Human Services (HHS) issued a final rule that strengthens the HIPAA Privacy Rule by...
May 14, 20242 min read


DOL Rescinds 2018 Final Rule on Association Health Plans
On April 29, 2024, the U.S. Department of Labor (DOL) released a final rule that rescinds in its entirety a prior 2018 final rule on...
May 14, 20243 min read


ACA Compliance Overview
Summary of Benefits and Coverage The Affordable Care Act (ACA) added a disclosure requirement for group health plans and health insurance...
May 14, 202410 min read


Answers to Frequently Asked Questions About the DOL’s Final
On April 23, 2024, the U.S. Department of Labor (DOL) announced a final rule to amend current requirements employees in white-collar...
Apr 30, 202415 min read


Is Level Funding Right For You?
If you desire the freedom of a self-funded insurance plan but need a little more certainty for your budgeting concerns, level funding...
Apr 30, 20241 min read


Health Related Productivity Costs
While offering health coverage and benefits for employees and dependents is a major business expense, lost productivity due to physical...
Apr 30, 20242 min read


Medicare Part D Changes May Impact Creditable Coverage Status of Employer Plans
The Inflation Reduction Act of 2022 (IRA) includes several cost-reduction provisions affecting Medicare Part D plans, which may impact...
Apr 30, 20243 min read


CMS Status Update on Advanced Explanation of Benefits Implementation
On April 23, 2024, the Centers for Medicare and Medicaid Services (CMS) provided a status update on the progress it is making toward...
Apr 30, 20242 min read


2024 HR Calendar Monthly Reminders
Between navigating the changing economic environment, addressing new attraction and retention trends, and balancing day-to-day...
Feb 23, 20242 min read


Legal Update: California Updates Paid Sick Leave FAQs and Employee Notices
In advance of changes to the state paid sick leave requirement taking effect Jan. 1, 2024, the California Division of Labor Standards...
Feb 23, 20242 min read
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