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In this week’s episode, Nick sits down with Barbara Zabawa, founder of the Center for Health and Wellness Law, law professor, and host of the Wellness Law Podcast. A former insurance company attorney who carved out a specialty that barely existed, Barbara brings rare clarity to the legal risks hiding inside employer wellness programs. The conversation covers why tobacco surcharge lawsuits are the new compliance frontier, what AI-generated legal documents actually look like to a practicing attorney, and a new employee benefit concept she believes could address structural barriers to health.
Key Takeaways
- The wave of ADA and GINA lawsuits that hit employers like Honeywell and Yale University in the mid-2010s are no longer the lawsuits employee wellness programs are facing today
- Over 40 tobacco surcharge lawsuits are currently pending against Fortune 500 companies, alleging that employers are not properly applying the Affordable Care Act’s reasonable alternative standard, specifically by reducing surcharges only going forward when an employee qualifies rather than reimbursing retroactively
- Without an objective EEOC threshold for what makes an incentive coercive, the best thing employers can do is survey their own workforce: voluntariness is subjective to the employee, not the employer, and a modest reward for a high earner can feel compulsory to someone earning an hourly wage
- Lawyers are encountering AI slop firsthand when clients present them with AI-generated memos expecting a quick sign-off, but a lawyer still has to verify every line and correct every error, which typically takes longer and costs more than if the client had simply asked their question directly
- Barbara's academic research focuses on wellness legal partnerships: an employer-sponsored but employer-independent benefit staffed by lawyers, social workers, and health coaches who help employees address the social and structural barriers to health that traditional wellness programs cannot reach
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