News & Events

Monday, April 17th

April 2017 Newsletter

This month’s newsletter has some great articles about the state of heath care in the US, how best to hire to fit your culture, and information HR seminars that you don’t want to miss!

Thursday, March 30th

Santa Maria Ribbon Cutting Ceremony!

Early this month, we hosted a ribbon cutting ceremony and reception for our new Santa Maria office.  It was a wonderful opportunity to connect with the Santa Maria Chamber of Commerce as well as other business and community members. The Chamber wrote a lovely article that captures our excitement for this new opportunity. The article also features a video interview with our CEO, Brendan Morris, discussing how this has been a long time in the making and we are looking forward to meeting the needs and exceeding the expectations of new and existing clients in Santa Barbara County.

Ribbon Cutting: Morris & Garritano Insurance

Friday, March 24th

Healthcare Reform Dies in Congress

On Friday March 24, 2017, Speaker of the House, Paul Ryan, announced that the American Health Care Act has been pulled from consideration on the House floor. Republicans were not able to garner a sufficient number of votes amongst conservative and some moderate members in order to secure passage in the House. The bill, had it passed, would have begun the process of reforming major provisions of the Affordable Care Act (a.k.a. Obamacare) including the employer and individual mandates. With this legislative defeat, Speaker Ryan acknowledged that, “we will be living with Obamacare for the foreseeable future.”

Speaker Ryan further announced that the Republicans will be moving on to other items in their legislative agenda including tax reform and infrastructure spending. This in effect kills heath care reform for at least 2017. In fact, there may not be another attempt to repeal the Affordable Care Act until after the mid-term elections in 2018.

Please contact Morris & Garritano Director of Compliance Keith Dunlop at or 805.597.6378 for questions regarding this or any other ACA-related issue.

Tuesday, March 21st

M&G Loves SLO

This past weekend, and for the second year in a row, Morris & Garritano employees and friends volunteered alongside hundreds of community members for an event called Love SLO. This annual day of service matches volunteers with non-profit projects throughout San Luis Obispo.

This year, M&G had 48 volunteers! It was too many for one project, so we had the opportunity to help out two great causes – The SLO Food Bank and The Women’ Shelter Program. We were able to assist with various projects at both organizations and had were able to learn more about the care they provide and the assistance that is needed in SLO County.

While we love giving back to our community, we also love that these events give us a chance to spend time with our co-workers outside of the office. We value the relationships that we build at M&G and appreciate any opportunity we get to strengthen them. I can guarantee we’ll be volunteering again next year – hopefully with even more team members!

Tuesday, March 14th

March 2017 Newsletter

With daylight saving time in full effect, we now have an extra hour of sunlight! Know what you can do while relaxing in the sunshine? Read our March issue of M&G | exposure Newsletter!

Friday, February 10th

February 2017 Newsletter

Valentine’s Day is approaching and what better way to surprise your loved ones than with the gift of the latest M&G | exposure newsletter? We know they’ll love it!

Tuesday, February 7th

Now Open! Morris & Garritano’s Santa Maria Office!

We are proud to announce the opening of our second office, located in Santa Maria!

As a means to better serve the needs of our clients and to support the communities in which we live, our Santa Maria office will provide an added convenience for the businesses and individuals of Northern Santa Barbara County and surrounding areas. With a strong commitment to our mission and values, you can be certain that our focus will remain on improving our clients’ overall experience by providing the same high-quality service that you have come to know.

Offering a full range of client services including employee benefits, commercial insurance, and personal insurance, our Santa Maria staff is eager to share their knowledge and expertise with a growing community.

We hope you will join us in celebrating this major milestone as it provides a tremendously exciting opportunity for our clients and our employees. We look forward to exceeding your expectations from San Luis Obispo, Santa Maria, and for generations to come.

If you have any questions or concerns, please do not hesitate to contact your Account Manager.

Tuesday, January 10th

January 2017 Newsletter

If you’re looking for a New Year’s resolution that is easy to keep, we recommend reading the M&G | exposure newsletter every month! There’s no better time to start than the present, so check out January’s edition!

Thursday, January 5th

2017 Benefit Advisors Webinar Series

The Morris & Garritano employee benefit webinar series is designed to provide our clients with the latest updates on employee health and welfare best practices, compliance strategies, and regulatory updates.

All webinars are eligible for HRCI, SHRM and CEBS credits unless noted otherwise.

An Overview of the ACA Reporting Requirements
(Forms 1094-B, 1095-B, 1094-C, and 1095-C)

Join Stacy Barrow, Esq. for an informative webinar answering common questions  and discussing best practices, including “limited non-assessment periods”.

Participants will come away with an understanding of how to address opt-out payments, non-union employees, and conditional offers of coverage to spouses.

This webinar is ideal for Applicable Large Employers with 50 or more full time employees.

To register for this webinar:

January 11, 2017

9:00 am – 10:00 am PST

Legal Disclaimer: Benefit Advisors Network is not a legal entity and nothing herein should be construed as legal advice. Always consult an attorney on all legal and compliance matters. Benefit Advisors Network is not responsible for the accuracy of the information contained herein. © Copyright 2017 Benefit Advisors Network. Smart Partners. All rights reserved.

Wednesday, December 21st

Important Changes to Workers’ Compensation Policies

FINAL REMINDER: AB 2883 Deadline December 31

Starting January 1, 2017, AB 2883 goes into effect, changing the parameters in which owners can be excluded from Workers’ Compensation coverage. Below is an overview of the changes to be enacted:

Corporations: In order to be eligible for exclusion from coverage, the individual must be an Officer or Director and must own 15% or more of the issued stock.
Partnerships and Limited Liability Companies: In order to be eligible for exclusion, the individual must be a general partner if the entity is a partnership; or the individual must be a managing member if the entity is a limited liability company.

Revocable Trusts: Grantors of revocable trusts are no longer eligible for exclusion.

By now you should have received an explanatory notice and waiver from your insurance carrier. These waivers must be signed and returned to your carrier by end-of-business on December 31. If a waiver is not received and accepted by December 31, 2016, any employee that had previously been exempt from coverage, must be included on the policy and will be charged premium up until the date an executed waiver is submitted to the insurer.

Please contact your Account Manager should you have any questions.


IMPORTANT! Changes to First Aid Claim Reporting

Effective January 1, 2017 insurers will now be required to report medical costs incurred on First Aid claims to the Workers Compensation Insurance Rating Bureau (WCIRB), regardless of who paid the medical fees.

You might be asking yourself, how does this change affect me?  If a claim fits the First Aid Criteria and you pay the medical bill directly to the provider, it will still be included on your Experience Modification worksheet. On the other hand, should you allow your carrier to pay the medical bill, they will only be charged the contracted rates, which could be substantially lower. In other words, you may find it in your best interest to think twice before paying a claim out of pocket.

If you have any questions regarding this or any other Work Comp claim reporting matter, please contact our Workers’ Compensation Claims Analyst, Mary Jean Collins,