Teal Trujillo

Teal Trujillo focuses her practice on employee benefits and executive compensation matters for public and private companies. She regularly leads due diligence and advises on liability related to retirement plans, health and welfare plans and executive compensation in stock purchase and asset purchase transactions. Read Teal Trujillo's full bio.
How PPM Health Plans Can Solve the MEWA Problem
By Sarah Raaii, Alden Bianchi, Erin Turley, Teal Trujillo and Allison Wilkerson on Mar 6, 2025
Posted In Employee Benefits, Health and Welfare Plans
A physician practice management (PPM) structure can help ensure compliance with corporate practice of medicine laws and simplify administrative tasks. However, it can also unintentionally lead to health plan issues that need to be carefully managed to prevent compliance problems or complications when selling PPM entities. Read more here.
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Examining Group Health Coverage Alternatives for Small Employers
By Alden Bianchi, Sarah Raaii, Teal Trujillo and Erin Turley on Feb 27, 2025
Posted In Employee Benefits, Health and Welfare Plans
Small employers have long struggled to offer comprehensive major medical coverage to their workers and families, mainly due to underwriting hurdles. Groups with fewer than 50 employees are often confined to state small group market plans, which can be costly. Even slightly larger groups, underwritten based on their own claims history, still face a significant...
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California SB 923: New Trans-Inclusive Healthcare Requirements for Health Plans
By Gregory Fosheim, Dane Chapman, Sarah Raaii and Teal Trujillo on Jan 24, 2025
Posted In Employee Benefits, Health and Welfare Plans
Beginning in the first quarter of 2025, California healthcare service plans, health insurers, and certain other organizations must ensure that staff who have direct enrollee contact receive evidence-based cultural competency training focused on transgender-inclusive healthcare. This requirement arises from Senate Bill No. 923, a law passed by the California legislature in 2022. Provider directories must...
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Employee Benefit Plans: Important Considerations for Year-End and 2025
By Lisa Loesel, Jacob Mattinson and Teal Trujillo on Dec 12, 2024
Posted In Employee Benefits, Health and Welfare Plans, Retirement Plans
With the 2025 plan year right around the corner, this is the ideal time for plan sponsors to ensure that plan operations comply with evolving legislative and regulatory requirements. This client alert highlights important regulatory changes that will impact retirement plans and health and welfare plans in the coming year. Read more here.
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Back-to-School Special: IRS Offers Insight on Implementing Qualified Student Loan Payments
By Jeffrey Holdvogt, Lisa Loesel and Teal Trujillo on Oct 15, 2024
Posted In Employee Benefits, Retirement Plans, SECURE 2.0 Act
On August 19, 2024, the Internal Revenue Service issued Notice 2024-63 (the Notice), providing guidance regarding the implementation of Section 110 of the SECURE 2.0 Act of 2022, which permits employers with a 401(k) plan or 403(b) plan to provide matching contributions to employees based on employee student loan payments. Through various questions and answers,...
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A Q&A and More Delay: IRS Begins to Issue Clarifying Guidance on SECURE 2.0 Provisions
By Jeffrey Holdvogt, Lisa Loesel and Teal Trujillo on Apr 4, 2024
Posted In Employee Benefits, Retirement Plans
In late December 2023, the Internal Revenue Service (IRS) issued Notice 2024-2 (the Notice), providing guidance on key provisions of the SECURE 2.0 Act of 2022 (SECURE 2.0). SECURE 2.0, which was passed in December 2022, includes more than 90 provisions affecting US retirement plans, many of which are specifically aimed at enhancing savings opportunities...
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Funding Employer-Sponsored Group Health Coverage: The Group Captive Solution
By Alden Bianchi, Lisa Kaderabek and Teal Trujillo on Dec 13, 2023
Posted In Employee Benefits, Health and Welfare Plans
The enactment of the Affordable Care Act in 2010 led to a sharp increase in employers self-funding their group health insurance plans, with the market tripling in size in the decade that followed. While larger employers can self-fund their group medical coverage in a relatively efficient manner, it does not work well for smaller employers....
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Employer Student Loan Debt Benefits Following SECURE 2.0
By Jeffrey Holdvogt, Brian Tiemann and Teal Trujillo on Oct 11, 2023
Posted In Employee Benefits, Retirement Plans, SECURE 2.0 Act
In December 2022, Congress enacted groundbreaking legislation as part of the SECURE 2.0 Act codifying an opportunity for employers to provide matching contributions within a tax-qualified retirement plan based on their employees’ qualified student loan payments outside the plan. This On the Subject discusses the SECURE 2.0 student loan benefit and other employer options for...
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Webinar Replay: SECURE 2.0 and the Impacts of Employer Matching for Student Loan Payments
By Jeffrey Holdvogt and Teal Trujillo on Sep 20, 2023
Posted In Employee Benefits, Retirement Plans, SECURE 2.0 Act
Student loan debt is set once again to impact millions of American workers. Fortunately, starting next year, employers will have new ways to help employees navigate student loan debt. Provisions of the SECURE 2.0 Act will allow employers to provide employer-matching contributions based on their employees’ qualified student loan repayments outside the plan. In this...
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SECURE 2.0: The Impacts of Employer Matching for Student Loan Payments
By Jeffrey Holdvogt and Teal Trujillo on Sep 6, 2023
Posted In Employee Benefits, Retirement Plans, SECURE 2.0 Act
Following the US Supreme Court’s rejection of substantial portions of the Biden administration’s plans for student loan debt relief, and with the end of the student loan repayment moratorium in sight, student loan debt is set once again to impact millions of American workers. Fortunately, starting next year, employers will have new ways to help...
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