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Tag: lower health care premiums

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ERISA & SPD Wrap or Summary Plan Description Wrap Documents

Recently we joined forces with a company to assist in additional forms of compliance.  These compliance issues fall directly in line with the rumors of the ERISA DOL Audits.  HR Service Inc and ERISA Solutions are those companies.  The professional atmosphere, experienced employees, and customer service-oriented environment is appealing; yet the powerful and user-friendly tools/documents…
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PROPOSED CHANGES TO CAFETERIA PREMIUM ONLY PLAN ELECTIONS & LOOK-BACK PERIOD

In September the IRS issued two notices regarding the Affordable Care Act.  Notice 2014-49 describes a proposed approach for applying the look-back measurement method used to determine full-time employee status for purposes of IRS Code § 4980H in situations when the measurement period applying to an employee changes. This change may occur because the employee…
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Pretax Benefits Through A Health Savings Account (HSA)

With the new regulations and additional coverage mandates embedded in the Affordable Care Act “ACA” many experts believe we’ll see an explosion of coverage and market entrants into high deductible health plans (HDHP) coupled with Health Savings Accounts (HSA).  These plans have been popular for years and the fastest growing trend in employee benefits for…
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Staying in Compliance with Health Care Reform: Non-Discrimination Explained

With the health care reform bill, comes many changes to both businesses as well as consumers, both of whom are now trying to navigate and understand the changes that are either coming or have already taken place. Some of these changes impact businesses, such as with the non-discrimination requirements that previously only applied to self-insured…
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Implications Of The Health Care And Pension Reform Bill In New Jersey

A historic health care and pension reform bill passed by the New Jersey legislature in late June of this year and signed into law on June 28th is expected to have far-reaching implications at the state level as well as for municipal governments.