Mid-Year Election Changes

The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning.

Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line.   Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it.

When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly.

Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder.

COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk.

According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case.